-
1st post and 1st step to clearing £19k in 18 month
Hello everyone, New here, looking for support and advice I suppose. I haven’t spoken to anyone about the severity of my situation and I don’t think I want to, but this is the first step in opening up and pushing me to do what I need to do. I’m a repeat offender with debts and every time I promise myself I won’t do it…
-
How to turn money in Paypal account into cash
Hi, Not sure if this goes here so if it doesn't, my apologies and please advise me on where it would be better suited. So for the first time in 18 years, I'm debt free after declaring myself bankrupt to rid myself of all my debt that I'd accumulated over the years. My first debt was offered to me in the dinner canteen at…
-
Full and final offer
We have been in a dmp for about 9 years. Original debt around £60,000. Outstanding around £14,000. Debt-free date in about two years time. In a few months we will be in a position to make a full and final offer. All debts are now with debt collection companies. I understand there are calculators and template letter online…
-
Payday Express PDL/Nexus
Hi, Has anyone heard of this Nexus company? I've been referred from Payday Express, as they claim to have sold my account circa 2009 to this company? All I have from Express is a landline number, but cannot find any further details or connections online. Thanks
-
Offers to creditors
First post on here so please be gentle with me....if i've posted this in the wrong place, please move. We (myself and my estranged wife) currently have a DMP with Payplan which adds up to around £21,000 through 8 different creditors. Some of the debts are fairly low....couple of hundered pounds but I have one that's nearly…
-
My lightbulb went....
I have enjoyed reading some inspirational stories on here and so thought it only right to share mine. I am not going to lie, the way I have approached my debts is quite different and I am having a rather easy way out. At the highest, my debts were around 42k. Repayments started to consume my modest salary of around 30k and…
-
Dispute with BT
Please let mw know where this should be posted it its in the wrong place !. Briefly back in January I complained to BT about the bill and the extra charges such as BT TV, Anytime calls etc that were on the bill which I said should have been removed a long time ago. Also if the bill wasn't paid on time they billing…
-
Getting out of Debt bad credit
Hi all, I've read through the forum off and on but finally going to post for guidance from fellow debt free wanna bs. I have 3 credit cards- one with barclay(5000), aqua(3000) and a bank(2000). These have crept up over time as a student and living on my own(no family here to stay with) a span of 5 years while i studied(i…
-
Got a CCJ what now?
Ok so my CCJ paperwork came through it has gone through court. I am a single parent student and apparently they can't count loads of my income but I generously offered £1 a month. Ok so heres my questions the debt is for £2477.18 so it'll be paid off in 207 years can they take this back to court to get a larger amount at…
-
Vodafone debt
Hi all, I’m back again after some advice on where I stand. I had a 24 month mobile phone contract with Vodafone which ended in November 2017. I had stopped paying the bill in March 2017 so racked up a large bill and the line was cut off so I got a new sim only with EE and stopped using the Vodafone sim, on September 8th…
-
Car Finance
I know it's the blind leading the blind but.... My friend has recently accepted she can't afford all of her debt and lifestyle anymore and is going to try to go into a DMP (self managed). She has two car loans - how does it work with these, do you just default and they take the cars away? They are with "The Car People" She…
-
Full and final...
Hi, I owe 16k with £125 DMP set up with StepChange. I am thinking of going in with a 20percent settlement. has anyone had any luck with this low? I may play hardball and increase from there.
-
Should I Call the Creditor??
Hi So I have a 5k debt for a HSBC loan which defaulted in 2008 but I started making £15 a month payments on via standing order in 2013. I have moved several times since then and the default dropped off my report years ago. I have not spoken to Wescott since I setup the standing order but have always paid it. My credit…
-
Can they still chase me?
Can the below still chase me after 15/03/18? Details of Account Account MOTORMILE FINANCE UK LIMITED Info Type Pay Day Loans Account started 09/02/2012 Current Status Default / Ended Credit Limit - Balance £376.00 credit in use Entry code C22 Account Settled 15/03/2012
-
11 years paying a picture loan
My husband and I took out a Picture Loan to consolidate debts 11 years ago. We are still paying this ambit does not appear to be reducing what we owe. It has transferred to ODEM since picture went bust. Where do I stand if I stop paying it as we are struggling. I don't want to lose our home but feel this is a massive…
-
Spiraling into unmanagable det help
Ok i have some buy now pay later on my catalogue and a frew debts on a few diffent credit cards. £1200.17 buy now pay later £1900,16 over 4 cards . So far my payments are all up to date never missied a payment but things have now snowballed with the credit cards and now im struggling . Ive just been payed on 23feb and…
-
Caught between a rock (life) & a hard place (DMP)
Hi - first post here. I just typed out my entire post but for some reason it disappeared, so hopefully this won't post twice. I'm stuck in a really tricky situation and would welcome some help. In Autumn last year my employer went bust, but for a number of reasons they didn't go into administration: they just refused to…
