-
Time too clear this mess!
Hi, I'm Callum. Over the years, due to medical reasons causing me too be out of work and being young and reckless, I have accrued what I'd like to consider a large amount of debt! In total, my debt totals up too £5978.26 which is spread across 5 different credit accounts: HSBC - £2291.06 Tesco Bank - £2188.96 Halifax…
-
Help after debt with defaults
Have been a long time lurker here but this is first post. Am not sure this is in the right place because this is debt free wannabe and we are already debt free but hope you good people can offer help and advice. We were in a massive amount of debt but managed to clear this early 2016, aided by lots of information we read…
-
Questions About My Debt Situation
Hi guys I am a newbie to this forum. Just after some advice, in a bit of a pickle. I currently have an outstanding credit card debt of £2400 with MBNA and the interest free runs out in June of this year. Because I was way..way over spending to help with my mental health issues last year, I decided to close the account in…
-
Bristow & Sutor Notice of intention to re-enter home
I am having some problems with Bristow & Sutor and would like some advice to work out my next move please. We own some council tax which these guys are trying to collect from me and on just before Christmas we let them in as wanted to come up with a payment plan(yes i now know we should not had let them in) and we later…
-
Rate tart in rehab
I just want to share the absolute joy I feel at receiving my first zero-balance credit card statement. I was inspired to start my journey towards zero debt when I read some of the amazing stories on this forum a few weeks ago. I have been in some form of debt or other for my entire adult life. First it was a Freemans…
-
Urgent Help Needed - CCJ
I know it's really frowned upon to make two threads on the same topic. Very, very sorry, won't do it again, but I'm desperate for some advice. Just posted this: https://forums.moneysavingexpert.com/discussion/5591544 in (I think) the completely wrong place. Basically - the local County Council have apparently submitted a…
-
Help enforcing CCJ
-
Very/Next account transfer HELP!
Hello! I have to a very account (£1684.00) and a Next account (£1733) interest is high and I want to transfer both balances but those account don't allow you to do that, I think I'll have to clear both balances with a credit card then transfer the total over. Is this right and what cards? I'm clueless
-
MSE News: Mental health charity calls for banks to help vulnerable customers
Banks should introduce options like voice recognition and web chat facilities to help people with mental health problems...Read the full story: 'Mental health think tank calls for banks to provide support for vulnerable customers' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t…
-
Forcing defaults to make settlement offers
Hi Skintandfat (love the name btw...) Thank you for sharing you story - I've read all with interest. It has raised a couple more questions though if you would? I do plan on writing a full letter to the three creditors with a full and open SOA and will make a F&F there and then (my family would help with this). First…
-
I need help before the red letters start arriving
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1112 Partners monthly income after tax....... 0…
-
BW Legal Chasing for a debt that doesn't belong to me.
I received a letter today for a debt that doesn't belong to me. BW Legal have contacted me informing me I owe £349.40 for a payday loan. One I've never taken out a payday loan before and two I've not had a payday for the last 8yrs. I'm a business owner and I don't have paydays, if I need money I just access the business…
-
Debt Collection Agency trying to claim for resolved matter.
Hello, I'm just looking for some advice and appreciate any help. I have an ongoing issue with a collection agency called tesch-inkasso.de attempting to get £300 from me due to a "Breach of contact" with a domain name broker called SEDO. I sold several domain names with them at the beginning of last year. Several domains…
-
gym debt
Hi all Myself and my other half were members of a gym up until May last year. We did the silly thing of cancelling the DD only and not telling them we wanted to cancel out right. My otherhalf is now training to teach classes at gyms and some of her help is mainly based at said gym. They have said that until she clears her…
-
Unfair interest charge
Hi In 2015 I bought a laptop on a 'buy now pay next year' offer. I saved up and when it came to paying for the item I did so in good faith, four days before the due date as it requested. I went on the company's website to pay, entered all my details and a page came up saying 'your payment of £*** has been accepted'. A…
-
Rossendales - Council Tax Debt - Query
This morning we had a early morning call from a man who stating he was from 'Rossendales' and had a liability order for my daughter regarding unpaid council tax. Now my daughter has lived in the UAE for the last 3 years. We advised him of this and he left a letter asking for it to be forwarded to her. The letter basically…
-
Struggling to meet repayments
I am struggling to meet repayments on my Barclaycard. I currently owe £12157 and my limit is £12000. I stupidly let them keep increasing my limit and spending up to it, and now added charges are taking me over it. I am overdrawn at the bank by £800 (I have one of those accounts where you pay for privileges and an…
-
How to manage my debt & debt collections agencies
Hi all, I have accumulated just over £15K of debt over the last 3 years, due to a nightmare situation with the property I own having damp and my having to live elsewhere whilst paying the mortgage and being unable to let it out. I have got into debt using credit cards to get by on a day to day basis, and by not paying…
-
Anything more I can do?
I was made redudant 2.5 years ago. I started my own business after that but I wasnt making enough to get by. I managed to get in about £8k in debt in the process. I'm currently back at college (going back to uni to do a CS degree). And have paid off ~£3k of this debt. My current debts are as follows capital one - £1150…
-
What small DFW things will you do this week? w/c 23/01
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…
