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Advice Needed
Hi all, I am looking for some advice on reducing my credit card debt.. I have embarrassingly let things go slightly and ended up acquiring a lot of interest with out realising.. so my current credit card balance is £12,000. I would like to transfer this to a 0% balance transfer card, but cannot find one which would allow…
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Overpayment by employer
My employer has overpaid for 3 years a payment the told me I was entitled to...now they want thousands of pounds paid back to them...anyone know if I have a chance or arguing this
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Full and final offer opinion?
Hey guys, this is purely educational purpose for my self and partner to pass on to our relative. As title says, opinions on full and final offers? She's had a full and final offer which is over half off the full amount, it's a defaulted pay day loan. Is it a good idea for her to take up this offer? Thanks
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Credit card advice please
Hi New to this so I hope this is ok. I currently have 3 credit cards which add up to about £15000, they are all on 0% interest, I was wondering if I should put all the debt on one card or is it ok to have it on 3. I don't spend on these anymore just trying to get them paid off as quickly as I can. I pay about £350 a month…
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A reminder to all Sealed Pot Challenge members!
Hi all, The time of year for declaring all your saving is here again!! :j Count up day begins on 1st November, yes, less than a week away! So it's high time you counted your cash and then declared on SPC 11 HERE please!! Whether it's a little or a lot, it's money YOU SAVED that would all possibly have been spent...so be so…
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Help needed re old Lowell accounts
Hi everyone I need some advice please. I have some old debt from early 2016 (a long story of illness, losing my job and life going generally wrong). I have recently faced it all as a new CCJ was registered against me, I finally told my parents and they have agreed to help me out with this one within the month in full so it…
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help?
so these are my debts - Vodafone - £999.74 JD Williams - £90 JD Williams - £90 Would I be best to pay off one £90 account or pay the 2 JD ones but at £45 each? I have DD set up with them but just wanting to know the quickest/easiest way to pay them off. Hoping to be debt free by April 2019! :j
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CCJ hearing help
ay, 09:25:AM Hi, I am new on here and hoping someone might be able to give me some advice. I have a debt that has been passed to Silverback Law to deal with and I received a ccj court form from them earlier in spring which I defended on the basis that the charges being added were not fair. i should have dealt with this…
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Debt Collection Agency Calling Work
Hi guys, just looking for some advice please. I'm currently paying a few debtors at the moment with no problem at all, even when I miss a payment, I give them an email apologising and confirming when I will be recommencing my payments and they all seem happy enough. One of them, Cabot Financial keep calling my work. The…
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Just had a nice little bonus from EDF
Area had a power cut last night that screwed my prepayment meter. Electrics still on, but the display is blank. They said as my power is on I am not classed as an emergency, but the meter needs replacing. The earliest they can do it due to prepayment meter shortages is December 3rd. They said when the meter is in this…
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Payday loan unaffordability and defaults advice
Hello, I am completely new and this is my first post so I am not 100% I'm in the right section (apologies if not). My situation is rather complicated which is why I've been searching on the forums for help before taking action in order to do the best possible thing I've fallen into the trap of payday loans, borrowing from…
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Lowell Debt with Three Mobile - Pre-action
Hello everyone, I've got a couple of debts with Three for mobile phone contracts totalling around £1500 from 2014 and was looking for some help and advice. The debt I want help with right now is for £410. This was defaulted around August 2015. I've been contacted by Lowell who have sent a few letters, the most recent…
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How to best manage my debts? Advice please!
Hi All I've allowed my debts to spiral out of control over the last 5 years or so. I have stupidly turned a blind eye as the credit cards rack up and have kept shifting debts around to new loans/cards. For about 6 months, between my wife and I we were earning less than the sum of all our repayments. My wife has recently…
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Unfair default?
24th Oct 18, 4:51 PM FLOOZ30 View public profile Send private message Find more posts View all thanked posts Add to contacts Hi just new to this and need some help. Just checked credit files as looking for a mortgage and out of nowhere a default has been issued against me in April 2018 from Virgin Mobile for £160. I had an…
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Cant see a way out of this debt
Hi there, I'm new to this. Ive read a couple of posts and thought id post my own to see if anyone has any ideas as to what I do with the situation I'm in. My partner has a friend who (a good few years ago) when I got into financial difficulty offered help. We both cant get credit so she offered to help with getting us a…
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CCA Request and Agreement
We are being pursued by Moriarty Law for a Monument Credit Card. Sequence of events are Credit Account Recovery Solutions (CARS) sent a demand in July 2013 and we sent a CCA request that they never replied to. The same thing happened in March 2015 and nothing was received. Moriarty Law then did the same in July 2106 and a…
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Debt advice please?
This is...a complicated one folks. I hope this is in the right place and I really hope you can help me. I have been juggling debt for about 6 years now. I manage to keep a lid on it, pay it off piece by piece and then I get hit with a bill that sinks me back in. We've had 3 cars give up the ghost in the past 2 years and…
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Feeling sick with this amount of debt
Hi there, I have a debt of £3,500 on 0% interest until 2020. I would like to get this paid off, as it is making me sad. I would appreciate any input on how to resolve this.
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Need help - with a problem
Not sure where to post this – or if there is anything that can be done. My daughters boyfriend has got himself into a situation. He was talked into buying 4 mobile phone contracts by a so-called friend. To help him make a bit of money (we didn’t know about this) Unfortunately he did this - and so called friend has taken…
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CCA for an Unauthorised Overdraft - Help
Hi all. I’m currently at the final stages of a DMP that’s been ongoing for years, and having read the advice on here, I decided to CCA most of my creditors to see what was what. I have an account which Lowell purchased from Halifax early last year, and having CCA’d them, they’ve come back with the usual “this account isn’t…
