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Student loans and personal loans
Hi all, been a long time reader here and finally wanted to seek your advice! So this is my situation. I have a student loan with around £4.5k remaining to pay, currently repaying through PAYE around £200 a month, I earn £44k. I have a personal loan from years ago that still has 7k left to repay, I was stupid at the time…
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Help
Hi, A few years ago i managed to get into about 10k worth of debt in bank loans which my ex partner had taken out in my name through online applications and then transferred the money into his own account once it was paid into mine via online banking so it was months before i found out what he had done as i very rarely…
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Debt free (virtually), but now need a loan
So after clearing substantial debts down in 2016, leaving just a car lease and the mortgage and one zero balance credit card (the Halifax Clarity card for holidays spending as recommended by MSE) we get the 2 bits of bombshell news.... 1.) Eldest daughter is getting married in November. our agreed contribution is £3.5k. I…
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Advice on offer from Wonga
I have been trapped by payday loans for years and have finally seen the light and stopped the cycle. I will never take another payday loan again. I have payment arrangements with a few and put in an affordability complaint about Wonga and QuickQuid who I borrowed from month on month for years. I am yet to hear back from…
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Help on a F&F offer
In 2011 I took out an original loan of £200 from Pounds to pocket (along with others) and I got into a bit of mess. I'm in a DMP and am currently 64% of the way through. However, I've tried to negotiate a F&F (or rather a partial and final) offer with P2P. I've got the £175 balance down to £87 but I've asked the following:…
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Unfair default
Hi I had an overdraft in 2010 but was unable to pay off in full so went to Paypal. I recently looked through my credit report and was surprised to see a default on my account two years ago. I phoned the bank and they say that because there was no ‘arrangement to pay’ the account was defaulted. During this time I did not…
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Lump IVA advice please
I don't know if I've posted in the right place. Over the past few years me and my husband have managed to accumulate about 34k of debt, stupid I know but we ended up playing a juggling act due to amount of interest each month. We are considering an IVA and have worked out that we have about £98 a month left to put towards…
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How do I make offers to debt collection agencies?
DH and I have been in a debt management plan for 8 years, starting with debts of over £60000 (this included interest added to monies owing when they agreed to our setting up the dmp). We increased our payments each year and have at times really struggled to keep going (i regularly worked 40 hours a month overtime to ensure…
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Hi first post be kind! Balance transfer or credit card
Hi I have a very account and I'm paying minimum payment each month and not much debt being paid,, amount under 1000 but still quite a big debt as unemployed at moment. Should I apply for 0% interest free credit card or balance transfer card,, been trying to figure this out so any knowledge appreciated. Thanks Sharon :p
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money claim online judgement in abscence
Hi, Sorry new here and if posted in wrong part please feel free to move. A company I am a director of is in dispute with a supplier over their substandard services. This company decided to issue a small claims court claim against me personally on December 15th, we broke up for xmas on the 18th and recieved this notice when…
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First CCJ - response not received as wrong e-mail given! Already onto baliffs help!
Hi, please help, never had any problems before. In response to a County Court Business Centre claim, I rang first, then took down the e-mail ccbacaq@ hmcts.gsi.gov.uk Just before Christmas, I should have chased up sooner as I haven't heard a response, I've rang today, and the e-mail address is wrong (should be ccbcaq@) and…
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pension cash in
I have a poor credit rating which prevents me from aquiring a conventional bank account,however,I can cash in a small pension (approx £26000)) which will clear ALL my debts but all basic bank accounts have a load limit,usually around £5000. My pension company has to transfer the funds to an account in my name. Any…
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extra income ideas to get debt free please
iam 23 and in at least £10,000 worth of debts which most of im repaying as much as can .Iam looking of ways to make extra income to pay off more and actually be able to afford to live and maybe treat myself .Because at the moment every month is a battle and my nights are sleepless .Actually ive moves to working 12hr nights…
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How to repay huge credit card debt
Happy New Year all. Have just moved this post from the Credit Card forum, where it didn't seem to get answered. A question - my brother has maxed out on his credit card and now cannot pay it back. He has no other debts, but paying the monthly repayments is putting him in arrears. I only just found out and he is frantic. I…
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Consolidation Loans Can Work
July 2014 = 31k of debt - 7 credit cards - high interest on all 7 - would have only paid off a tiny amount and would still owe well into the 20's if we had stuck with credit cards. Took out a consolidation loan and this is now down to 3k left with monthly payments of 871 (the same as the min payments for 7 credit cards.…
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DMP, IVA or Bankrupcy
OK, so I've been on a debt management plan for 1 year paying £110 a month. I currently have debts of around £15,000. I've had a review today and it has been agreed that I will continue to pay £110 a month until my next annual review. I was offered the chance to take out an IVA which I am very skeptical about. I rent…
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Not in any real Debt but need opinions if ok :)
Hi all, I am planning on moving into a house later in the year and need some help with budgeting. I have read these forums in the past and found them helpful and I hope it's ok to post in here even though I'm not really in debt. I just want to make sure I don't get into debt by overspending. So I hope I'm posting in the…
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MSE News: Government agrees to review GP charges for mental health debt forms
The Government is to review the practice of NHS doctors charging people with mental health problems for debt help forms...Read the full story: 'Victory for mental health campaigners as Government agrees to review GP charge for debt forms' Click reply below to discuss. If you haven’t already, join the forum to reply. If you…
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What small things will you do this week? - w/c 9th January
Deleting as cross posted with Ziggy! Sorry all!
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What small DFW things will you do this week? w/c 09/01
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…
