-
Snowball calculator for multiple introductory rates?
Hi everyone, I've 4 CCs, each of which have had balance transfers at different times. For example, my Virgin card has £2000 on 0% until March 17 and £1600 on 0% until June 17 and £6200 at 0% until September 17. Does anyone know of a snowball calculator where I can add a number of introductory offers for the same card? All…
-
Coming out of dmp and making an offer
Hi all need some help. Right I have a dmp and I'm thinking of coming out of it and making an offer to the creditor,, Is this a good idea,I owe £5100 and pay £294 a month dmp. Would I be able to offer a lower figure to settle the debt??? Also the original creditor was natwest,,it says natwest on my credit file for the debt…
-
Yay offer accepted by wescot!
Hiya! Some people might remember me posting around about a month ago asking if creditors have to reply to F&F offers. Well we didn't hear a peep from wescot, but they happened to phone my partner yesterday and they stated yes they did receive it and are willing to accept the offer which was made to them for a partial…
-
Enormous Credit Card interest
Hi, I'm self employed and about a year ago a lot of my customers paid me so late that I lost first one then all of my promotional rates on credit cards. Over the last year I've used the cards to survive, making things worse. I know owe around £20k in total to three credit card companies, all at excruciating rates (one of…
-
Very quick help needed please!
I'm currently on the phone to Tesco's insurance..I don't want to renew the policy (quote £100 more than last year!!). I have paid all monthly premiums, last dd paid yesterday, so the policy is paid in full. Car failed it's MOT so is no longer mine and now they are saying that, despite 20 days left and all payments recieved…
-
Family Debt Problem
Hi, I’m new and have a real problem: We recently found out that my sister and her husband had been made homeless, this was when they turned up at my elderly parents home asking if they could live there. The couple have basically isolated themselves from the family since around 2006 and have got into deep debt. On…
-
Reply to CCA from Cabot
So I sent out several CCA letters regarding my debts which I have been paying through Payplan but have paid £24k although the original debt was £19k. I have had this response from Cabot and I am not sure what they mean by it. Does it mean they will return the debt to the Co-op to chase? "Unfortunately, it appear that The…
-
Should I consider a DMP ?
I am a 66 year old retiree I live with my wife who is solvent and owns the house and car … she is aware of my debt but I am loathe to ask her for help. I’ve been pretty stupid and have mounted up debts trying to keep up my lifestyle, I used to earn fairly good money before redundancy 7 years ago and have continued to…
-
Is this a letter I should be worried about?
Debt is not statute barred but is no longer on credit report. Amount due is 632.59 for an overdraft from years ago (HSBC) Sorry it's wonky, scanner broke!
-
Looking forward to being debt free
I would like to delete this message
-
Debt collection chasing me for NI
Just had a letter saying our records show you have not paid class 2 ni contributions They are going to send a debt collection agency. Well I've not been working last few years, I did tell them. What should I do now? Is it compulsory to pay even if your not working?
-
MCO Euro? cant repay a debt
Hi All, Im finally growing up and paying off my old debts.. i have one with Orange for £100 from 2012.. i phoned EE, who contacted Orange apparently and advised the debt is with MCO Euro and gave me a telephone number. 0870 152 5649. Cant find MCO Euro on google any where, and the phone number just states "Horizon no…
-
Investment/financial advice sought
Hello all. Thank you for reading this thread. What I would ideally like is any input you may have on how best to invest savings, any mortgage advice, or any other useful information. I will give my details below: - I am single, no kids, male, 40 y/o, London-based; - I generally earn about £35K-£40K per annum; - £147K…
-
Deciding what to do with my debt
Hi I have 12k of debt or just over however I'm trying to also invest in a business so cash flow is king. I've been offered either a dro, pay it off or go bankrupt. I have no plans for buying a house or having anything large on finance like a car. Couple of questions If I pay all my debt off in a year how quick will my…
-
What small DFW things will you do this week - 26th Septemeber
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Xercise 4 Less gym membership
Hi, Have read through some previous posts but not really found anything the same as my situation. So I took out a gym membership with X4L a while ago and decided that it was a pretty big rip off. I got my 12 month membership frozen for free as I'm a student and was told by a member of staff to just cancel the DD and that…
-
1st CREDIT ADDING INTREST
I need some help :( My partner and me have aot of debt, and after deciding not to go with an IVA, I wrote to all of the companys and gave the a copy of our income and outgoings, and asked if they would accept a payment term, All have agreed and we have been paying them all every month. Today we had a letter from 1st credit…
-
0% credit cards
Im not a newbie to the DFW way of life but the end of a marriage and the costs that divorce and custody battle along with a low income have left me with approx £11k in debt. At the moment I am servicing the debts and looking for additional work to pay down the amounts. My main question is regarding 0% credit card deals. I…
-
Is an IVA the same as a DMP?
I might be asked at work soon to declare whether I am on an IVA. I am on a DMP - do I have to declare this?
-
New credit card for consolidating debts
Hi all, I have been a viewer of these forums for a little over 6 months but have never posted before so hey! In my last 3 years of working full-time and previous 3 years of studying I have accumulated a £2k overdraft and roughly £4.5k worth of credit card debt over 2 cards (Santander at 2k limit currently at £1700 and…
