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My Options - Advice Please
Hi, I have 8 short-term loans - does not include multiple loans with the same company and 5 credit cards. All together it comes to around between £6500 to £7500. I run an online business and my profits each month are a fluctuation but still make around £1300-£1600 normally. This is about enough to cover my repayments and a…
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Query rossendales charges. Very sorry if i have posted in the wrong place!!!
Hi, I’m new on here so I’m very sorry if I’m posting on the wrong thread or should have started a new one etc. I have a quick question about Rossendales. I graduated from my BSc in July. I started my MSc in September. The council sent me a bill for £0.00 as I was a student. They sent me another stating I owed £1424 to…
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Equita Account Balance
Hi, I’ve had endless problems with Equita that I won’t bore you with but I have an outstanding council tax debt with them that I’m paying off monthly and I’ve lost the record of how much the original amount was. I’ve contacted them and asked for a balance on the account and they’ve just ignored me (typical of Equita). Is…
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Hitachi/Lowell debt question
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Expat with a problem
Posted this in another forum so please delete if it breaks forum rules Hi I have a situation that is probably not so uncommon but let me break this down I left the UK ten years ago, I am UK born but now am a Swedish citizen with a Swedish passport and only return to the UK to visit family. I have no intention at all about…
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Gambling Debts / Advice please
I am 21 years old living at home (luckily) with £13,000 worth of debts to gambling. Today is my light bulb moment after many failed attempts. I understand if I don't nip it in the bud now I will forever be in debt and could be 30 -40 with a family and still have this addiction. I don't want no body to preach as I…
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old debt and credit file
Hello All, Regular forum visitor but this is my first post, hopefully this is the right place for my question. A number of years ago, I got into a spot of trouble with an old credit card, a year or so after student life and some poor financial decisions that came with that. Ultimately I ended up with debt collection…
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Tempted to pay off a card!
Currently have 2 credit cards: Lloyds, £3,843 Virgin, £10,555 (moved 2 interest paying cards and loan onto this) Both cards are 0% We have £9,000 in savings and I'm tempted to use some and pay off Lloyds (and close it) I keep going round in circles about what to do, would be great to have less debt but am worried I'd never…
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Missed ccj payment
Hello Due to our current circumstances I missed 2 monthly ccj payments if £50 each. It is with lowell solicitors and I emailed them informing them of our situation and that I can get back to paying them from next week. They have replied saying “After reviewing the information you have provided below we have made the…
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Someone please help me - suicidal due to debt
I've messed up bad. Very bad. I'm 21 and I took a loan out with a company called Loans2Go. I'm an idiot so I defaulted on all the payments. I'm £230 in arrears with them. The original loan was for £500 and was taken out in August. I don't fully understand the company, it's just they were the only ones to offer me a loan.…
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What small DFW things will you do w/c 22nd October?
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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Student; need advice
Hi I am a student and have a 1k debt that I took out to pay for a deposit and first months rent upfront last term. I also have a Wonga loan debt that I paid 312 of so far with 624 left to pay I am definitely struggling. I have wanted to quit my part time job because I am in final year and finding it hard to balance the…
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Noddle question - and also finishing DMP - how to tie up the loose ends?
Just had the best shock of my life - logged onto Stepchange as I can’t sleep and my DMP is predicted to end next month!!!!! 😱😱😱 I am definitely a bury my head in the sand kind of person, so I’ve been plodding along paying it for SO many years without checking and it just felt this day would never come! So question, I…
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Average Household Expenses
Hopefully, this will be an easy question to answer. I've tried searching, but tbh I am autistic and can get overwhelmed by too much information. So, it's possible that I've come across the answer, but completely missed it! If so, I apologise. Basically, I am trying to fill in an income and expenditure form. It would really…
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Mystery shopper
Hi I’m not sure if this is the right place but I wondered if anyone had any idea or experience of being a mystery shopper and how I would go about this?
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Arrow Global - In debt
Hello, Looking for some advice here. I lived in Japan for the past 3.5 years recently returned to the UK to my parents house. When I got back I had letters from the bank dated: 25th January 2017, saying I owe £493.77 due to overdraft, and this is the final notice. Details state they also passed on my details to Experian,…
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How to send a SAR in 2018?
I understand after the GDPR 2018 changes there are diffrent regulations re; sending a subject access request? I want to send a SAR to a credit card company for historic statements but the trouble is the account is closed and old and i have no idea what the account details were. All i will be able to provide them is my…
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Is it time to complain to ICO?
Hi all Long story short......CC debt with Marbles, being paid off via DMP. Original debt was sold on in August 2016 to Hoist/Robinson Way. RW continued to add interest to our repayments so I asked for a CCA in May 2017...to date, this has still not been supplied. Account collection activity “suspended” during the dispute.…
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Bristow & Sutor - Council Tax Debt
I've recently moved in with my boyfriend, in place of a previous housemate, only to discover they are in a real mess with their Council Tax. Apologies that this is a long post. Timeline is as follows: - They moved in February 2018 - Various payments missed meaning a Summons for Non-Payment was issued on 14th June 2018 with…
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Dmp
I am currently in a DMP with Stepchange and have just gone through my annual review. At my current level of affordable payment, it will take in excess of 50 years to clear the debts. At 66 years of age, obviously this will not happen!! Stepchange have recommended i declare myself bankrupt, but this is not a route i want to…
