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E&L insurance?
Anyone know what this is or could be for? We thought it was pet insurance, we have a cat and dog, both on separate policies, but studying statements, we can see it's not! We can't recall what it could be so are going to investigate but wondered if anyone here could shed some light on it? Thanks in advance!
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Well its been 4 years and still debt free
Well its been 4 years since I finished my IVA and its been brilliant I still have no debt and managed to save all the monies I was paying towards my IVA, and retired a year earlier then I would have done. An IVA is not for everyone and it can be a hard road to stay on track with but it was great for me and it learnt me…
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Hate being in debt
Hey guys, long story short me and my partner bought our first home last year. This is my first time ever being in debt, mortgage and 2 credit cards. Whilst one is on short term 0% for any new expenditure and monthly minimum payments are made other is on longer term 0% and again monthly payments made. But it's only minimum,…
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Moving house and changing banks
I want to ask a hypothetical question. Lets say that we have Bob who lived in Brecon for 4 years and he banks with First Direct for around the same amount of time. He has to move back to Merseyside (his home town) due to family reasons. He decides that he also wants to change banks because of there charges. He contacts…
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How do i find out who bought my debt
good afternoon I have recently come in to some money and since in a few years time i would like to be able to be a property owner again , My credit rating is currently shot ! I have straightened up everything with the exception of an old credit card which im ashamed to admit , I lost track off having moved several times…
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CCJ Details
Hi All, Not sure if this is in the right place as was warned this forum is for telling about great offers? Anyway, please delete or move if in the wrong section. I have a few questions about a CCJ: The Creditor is not listed on my Credit Report (ClearScore) and i dont know who it is with, I think it may be Me III Ltd. but…
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Delaying my DMP
was due to start a DMP with Stepchange in January but due to unforeseen circumstances, I asked them if I could push it back til around March/April time. Since then, I bit the bullet at work and asked for a transfer outside of London. This means lower living costs, the potential to bring my DFD closer when I actually start…
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DMP Advice please
Hi I am looking for some advice from you knowledgeable on here! I am currently in a DMP for debts of £20k to 8 creditors, mainly loans and credit cards. I have been in the DMP for just over a year now, paying £450 a month. Most of the debts have been sold I think, as Stepchange is paying 3rd parties such as Zinc Group, Pra…
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Feel sick
Please please help me. I owe £27000. It’s built up over time. It’s affected my eating, my mental health and everything else in my life. I’m not enjoying life and it’s affecting my relationship with my family. I don’t know where to start. Thanks.
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Should we pay earley settlemt - or pay in full?
Hi Quick question on behalf of my fianc!. She has an old loan with Welcome Finance ( over 6 years ago ) which stands at about £900-950. It is currently getting paid of at £10 per month due to being on maternity leave. They asked us to get in touch regarding an early settlement figure, they quoted £700. We planned on…
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Debt management help.
Hi guys. I have been in a DMP with stepchange for 14 months paying £292 per month towards 2 loans. One with HSBC and one with Hitachi which has been taken over by Cabot. Last month I started a new job and I am on a lower wage which is actually £400 less a month. I am definitely going to have to rethink my budget with…
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Husband in debt - where to start?
Hi, I've just found out that my husband has accrued £15k in debt in the last year from a secret gambling addiction. We're working through the addiction side of things through GA meetings and counselling, but when it comes to the debt, I haven't got a clue where to start. He has three credit cards and a maxed out bank…
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LINK and paying an unenforcable debt...
hi there, We've been trying to get on top of the old CCA requests, with some successes. We've had a letter from LINK which says: ...apologise for the delay...further to your request...'the original creditor has confirmed they are unable to fulfil the Section 77/78 request. Although the account is currently unenforceable…
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How much did my debt sell for ?
We get a lot of posts on here asking how much debt purchasers actually pay, to buy your old credit accounts. Well those figures are normally kept a closely guarded secret, and are never divulged to the general public, however, one debt purchaser, Cabot, gives you a clue to the hugh profits these companies can make from…
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Soa
Hi, My SOA is below, started here over a year ago but not really got going, been treading water and gaining debt. In part it's because we have brought a cheap house which is a money pit but also that I can't say no! So we have now had a change in that my husband has lost his job and I am needing to return to full time work…
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:) What small DFW things will you do this week - w/c 2nd April?
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…
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Full & Final advise Required with Link Financial
Hi Guys; First post on this site, so here goes -- So I currently owe £4,000.00 to LINK Financial. I have been paying it off at £67 per month for several years now and got it down to £4,000.00 -- and am with the Step Change Charity, (altogether I owe 34K over 8 different DCA's)... Anyway, recently I luckily got £17.5…
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What to pay off first
I have the following debt- £1740 overdraft (2 seperate banks, 1 x £1000 and 1 x £740) £500 credit card £200 credit card £450 parents loan The overdrafts have a total of £20 charges a month The credit cards I think are £5 min payment Obviously no interest on parents loan and they’re not pushing to get it back but I don’t…
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Different types of debt, where do you stand on student loans
Hi all I read a lot but rarely post, but I'm in debt-busting mode at the moment so I'm intending to be here more often as it's really motivating. Debt-wise, my DH and I have: A fairly big mortgage on a house that needs a lot of work. We have 2 cars on car finance - one will be paid off by Nov under the regular payment…
