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Advice please
Can someone please help My hubby and I r in a lot of debt and we r just wondering do u feel better when u get the right help as we feel physically sick . Any advice would be helpful
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Voluntarily reducing credit limit
Hi there. I've never posted on the forums before so I hope this is the right one. I'm at the point where I really need to get a grip on the finances. I have 2 credit cards and I'm struggling with the repayments on both but luckily I have not missed any payments yet. Both credit card companies have increased my credit…
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Quick question about Ratesetter?
Just a quick query Does anybody have a link or know the payment bank details for Ratesetter? Thanks
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Any advice welcomed
Hi, after many years of uni, low incomes and moving for work, I've found myself in the position where I have a great job, but a monster of a debt. I have a £22000 loan, a car I'm paying for, an over draft and some credit card debt..( I'm desperately trying to keep a handle on) I earn OK but have nothing to save after the…
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Panic!! Or not??
Hi I could really do with some advice please. I have a dmp with Step change which has been running for a year. I had a credit card with Nationwide, balance about, £9k. I got a Step change letter asking me to ring Nationwide as they'd told them they no longer managed the debt. So I did. To be told that now's it's over a…
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I a
Hello everyone my hubby and I have finally decided to do something about our debt . We thought we could get through it but unfortunately we can’t. We haven’t missed any payments and our not behind in any payments We just find it hard to manage after paying everything . We r currently 52,000 in debt and totally embarrassed.…
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Confused over what is enforceable and what isnt
Ok so my wife has a few debts with the DCA Cabot. I asked them to stop contacting us unless they can provide a CCA agreement. So a few months passed and they said they don't have the CCA, or a copy of them. They have provided statements and the Notice of Assignment letters. I asked the national debt helpline who said if…
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CCJ Question
Hi hope this is the right place. Mother has CCJ and has been paying off since 2015. Clearing out her flat and she found the paperwork. It states the following; Sum decerned for £1800 Interes at 8% annually from May 2015 Expenses £324.76 against defender. She currently pays £50 per month and in her credit file the amount…
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Payments while setting up dmp
Hi all. I've been reading through all the post on here for a while now and there's some brilliant advice. And you're a really helpful bunch. Just wondered if someone could give me some advice. To cut a long story short. I've had to leave my job due to childcare and now self employed so I can juggle childcare easily. But my…
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Clearing Overdraft VS Money Management
Hi all, First post (hopefully of many). I need some advice with regard to my overdraft (£2500) which I have lived in since getting it in 2014. I have other debts which I am working hard to clear. My question is - should I work to reduce and clear this overdraft, or will having the overdraft available and not used (if I can…
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DFH Financial Solutions.
This company has been mentioned to me a few times, just thought I'd share there fee structure with you, for "managing" your DMP, they charge monthly, and also add a "per creditor" fee to : Fees
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MCS dept
Hi I have a problem with an old dept that I had with Black Horse Finance. I bought a car in 2005 for £7500 which in hind site I never would have touched. At the time I was working and paying the loan then after 3 months the car a Land Rover Freelander (k series engine) and I had to miss finance payments as the head gasket…
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Reducing Credit card limits
Evening all I have been reducing down my credit card debt and want to find out if i should reduce the limits available, is there a benefit? I'm not currently in a position to combine them onto 1 (just started a new job) Card 1 has a limit of 2k and 1400 owing Card 2 has a limit of 8k and 700 owing. Both have expired 0%…
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F&F offers, DEALING WITH REPLIES
Hi there, New to the forum, forgive me if I've posted into the wrong place. I found an abundance of useful information here on the MSE forums, really appreciate this community and a shout-out to sourcrates for his knowledge. Background info I and my wife have managed to rack up approx. £32k debt over 11 lenders, these date…
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Advice neeed - BoS/Moorcroft sensitive information (GDPR?)
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HELP- Natwest have taken Offset Payment
Natwest have taken two offset payments from my partners Solo account. We had a joint account with natwest and we both have personal solo accounts, Now the joint and my Solo account where over drawn, I have spoken to them last month and explained that I had been out of work due to my daughters mental health, and that once…
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Help and Advice please.
Hi, please be gentle. I have been in a DMP for over 10 years and I have took out 2 x loans and managed to get a car on finance. I have been ill with PTSD and did this to make me feel better(Please do not judge).However In the next 12 months my wages will drop by about £400 per month.I have had to regrade. My question is do…
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PCP or HP Agreement.
Afternoon, as per the title I have taken an agreement for car finance. I'm quite keen to understand everything I do, but yet again I have missed this really important point. The car I was buying on PCP - so I thought. Turns out I have a HP agreement on the car, I did not notice at the time! I signed it. Within the HP…
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CSL debt collectors
My daughter got into debt with Halifax bank. She was registered as living at my address. My daughter is now married and has been living in Australia for since 2014. In 2017 she was granted permanent residency. So she isn't coming back to UK. She received a letter from CSL debt collectors. This morning one of their agents…
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Sons childcare debt being passed to father
Hi everyone my sons mother sent my son to childcare whilst I was being denied access I never had any say or even stepped in the place where he was. I only got told he was there once. Now his mother is in a debt relief order and the debt is supposedly settled within that. Now the nursery are chasing me claiming I’m liable…
