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YNAB - good or bad
Hi Talk to me about YNAB. I keep hearing people say how it's really helped them to budget and get on track with everything. I've looked and it's american so everything is in dollars, even the monthly subscription. Is there another version i'm missing? Or is this what people use and ignore the dollar signs? Any problems…
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I can finally be debt free but in sad circumstances :(
New to the forums & hope I'm posting in the right place? I do have a question but bear with me as I outline my situation. I have always been terrible with money and over the last 20 years, things have got worse - I went through a messy divorce in 1998 and became very depressed so much so I lost my job & my house was…
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Next increasing interest rate
Not sure if this is the correct board, but I've just had an email from Next saying they are increasing their interest rate to 23.9% from 12th November Just letting others know :)
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Lowell
Hi all, New to the forum so please be gentle! I've received a few letters from the named company above about a couple of debts that I allegedly owe, they've been chasing me for approx 1 year for one & about 6 months for the other. Up to now i've just ignored them & filed them away, but a couple of days ago I received 2…
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Possible Credit Card Cap
http://www.talktalk.co.uk/news/money/articles/?id=1cf736ce-7379-4b0f-9ffb-eb1db8b3c1ca
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Cpa
I have recently been struggling with credit card payments and payday loans so I have entered a DMP with Stepchange and wrote to loan companies to cancel CPA. However today Lending Stream have today taken a payment from my card which means I won't have enough money to pay my DMP! Any advice appreciated
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Advice needed
Dear All, Over the last 18 months, my debts have increased beyond my financial means, and with the increase in costs to gas/electric/water/council tax I am now in do do. My query is about defaulting some/all of these debts. I have 9 creditors and have worked out I can afford to pay for 7 of them each month as my contract…
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Had my LBM... now to act.
I have started a diary on the diary page, but have a a question or two that will hopefully get an answer in here. After having my LBM I have spent all day digging out letter, checking balances, working out repayment options etc etc... I have a list of debt-busting jobs next week and as much as I am not looking forward to…
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are CCJ's like debts with Limitations Act
I have a question about the limits on collections of CCJ's I know that an old debt can go off statute after 6 years of not enforced and that the 6 years resets if you pay or acknowledge the debt. What about CCJ's themselves? Do they reset if a payment is made towards them? Does their life get extended if they are taken to…
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What small DFW things will you do w/c 27th August?
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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Can I ask for a F&F?
Hi. We have a debt with Lloyds Bank that has now been sold on to Robinson Way. The account was opened in 2009 and due to moving a number of times, health issues and babies, we have just never serviced this debt at all. So this letter arrives from RW and says it is going to court to seek a CCJ if they don't hear from us in…
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dmp but catalogue returns left
Hi just starting a debt management plan but i have £900 to return to my catalogue account, y understanding is the dmp company pays everything off, so in theory ill be left with a credit in an account i cant use as its been cleared off and got rid of. Help
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Can I get an Attachment to Earnings Order issued against someone paid their salary by BACs not PAYE?
Hello, not sure if this is the correct forum, but hopefully someone can help me. I currently have a CCJ awarded in my favour against someone who stole £1,500+ from me via embezzlement. All I know about the individual is the name which they operate under, what they told me is their real name (although that could be a lie),…
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Help with debt
Sorry if it’s the wrong sub. I’ve had Restons contact me in writing on behalf of Arrow global. They claim to own a defaulted credit card from Santander. Giving me until the end of July to get in touch. I phoned them and told them this is the first I’ve heard of it. They said they would send me relevant paperwork and…
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Debt free in 6 months
Hi, over the past 6 years I have got myself in £7339.00 debt through credit card, amazon card, personal loan and overdraft..... I regret every single spending, but there is no point regretting in life and I should focus on the present moment and what I can do to resolve this debt... I am more than determined to reduce this…
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Claims management companies to be regulated by FCA
Financial Conduct Authority – Claims management: how we propose to regulate claims management companies This Consultation Paper sets out the draft rules and guidance the FCA is proposing for when it becomes responsible for regulating the sector in April 2019. * Consultation details * closes 03/08/2018.
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lowells cc letter
my wife has just received a letter from lowells about a debt she has never had it looks like a county court letter but i am unsure. the debt it for money owed to Gratton and freeman catalogues which we havent used since the early nineties. one of the letters we have recieved states its from 2015 which is ridiculous as the…
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What are the reasons to NOT go on a DMP
I'm considering doing a DMP just because we're on the very edge of not being able to afford our debts, we manage but it's moving slowly with absolutely no breathing room. But I just don't want to do it. My head is telling me that this will mean I can never own a house or whatever. Even though I know, in reality I could…
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Natwest Overdraft Advice
Hi, I have a Natwest Graduate account with an agreed overdraft of £3500. At the moment, my balance is -£1631.16. On pay day at the end of the month, my balance will be about £0 for a day or so. I'm just wondering if I should pay off my overdraft with a credit card maybe? Would this be good for me with regards to my credit…
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DMP - Overdraft question
Hello everyone, I will be starting my DMP shortly and my first payment will be made in mid-September once the paperwork is finalised. I do have a question though. One of my debts is a £5,000 overdraft. As things stand that number is at £5,000. However, I contacted my work and told them I need my wages paid into a different…
