-
What small DFW things will you do w/c 19th November?
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…
-
Received Notice of Enforcement from unaware CCJ dating back 3 years - Please Help - In Panic Mode!
Hi All, Sorry to post such a lengthy question, We have never experienced anything like this so we are in panic mode at the moment. [FONT="]Me and My wife moved into a rental property back in 2015, during our tenancy we made regular rental payments to the property manager apart from the last 2 months while we moved out…
-
30k Unsecured Debt + Homeowner
Hi, After a lengthy debate with myself, I have plucked up the courage to come online and ask for help! I currently have 30k worth of unsecured debt. The debt spans across several cards and 3 loans. All of my debt has been accumulated over the past few years, through bad spending habits. I am now trying to sort myself out,…
-
credit card help!!
I stupidly got into debt a few years ago and I’m paying it all off as much as I can. A 0% interest credit card is due to expire and the cost will got from £63 a month to £114. I dunno what to do! I simply cannot afford it. The sum due is £3082. I just don’t know what to do. I can’t get another 0% interest for that amount.…
-
Help with £15,000 Debt
In 2009 I graduated and instead of going into the real world, I was naive and started a business. The business was OK to begin with but I didn’t have enough cash, so I started to use credit cards and got a personal loan to pay employees to keep it going. In 2010 I had no choice but to close it down. I was left with around…
-
Help!
I don’t know where to start, circa £15k in debt, 5 x ccjs the biggest is £8k but due to expire in 13 months. I have £150 I can put to debt payments where do I start?!
-
Old CC debts, interest added.
Hey everyone, I had a pretty bleak period in my life between 2011-2013 where I tried to live in London and failed miserably and just ended up in a lot of debt. I had a barclays overdraft of £2000, I had credit cards from vanquis, aqua, barclaycard and I also had multiple payday loans from wonga and paydayuk. I moved away…
-
Drowning in aqua debt !
After managing without credit for twenty years as a single mum ( previously had credit cards debts in twenties ) I took the slippery slope a couple of years ago and now things have spiralled out of control ! I now have approx £10, 000 of credit card debt, the worst being Aqua with a ridiculous amount of interest to pay.…
-
Drowning in aqua debt !
After managing without credit for twenty years as a single mum ( previously had credit cards debts in twenties ) I took the slippery slope a couple of years ago and now things have spiralled out of control ! I now have approx £10, 000 of credit card debt, the worst being Aqua with a ridiculous amount of interest to pay.…
-
Ccmc ? Ccbc?
Can i ask what is the difference between the County Court Money claims And the County Court Business Centre ? I have a letter for the CCMC in Slaford ? PO Box 527 Salford M5 0BY Could this be lowell up to there dirty tricks again or can credit agreements or business claims fl ot go through this court ? If anyone knows the…
-
Nationwide Personal Loan - Cabot Financial Letter
Hi All, I hope someone can help me! I recently got a letter from Nationwide stating that they have transferred my debt to Cabot Financial as of 22/10/2018 and all communication should now be to them. This was for a unsecured personal Loan from a very long time ago with approx. £3000 outstanding. I have looked back and the…
-
Any advice welcome!
Hey guys, I am after some advice on if you think this is a good plan going forward? We have had some bad luck in the past, bad money management, lost of a job ect. I am BR and due to finish April. My husband was going to go for a DRO due to his debts but it has been taken months for it to go through and still no closer yet…
-
Debt advice please
Hi, I wanted advice from people who may have been in My situation. I have a young family. For various reasons I am in 38,000 debt - 3 loans +1 credit card. I have a mortgage too. I have about 35,000 equity in my house. At the moment I am paying too much back monthly on all loans so I'm thinking of remortgaging to bring my…
-
Dryden fairfax
Hi i just received a letter from drydensfairfax myself. Ive not heard a peep out of them for maybe 7 years now. When they were called just Fairfax. i have been paying by standing order an amount each month since 2011. I had actually forgotten mostly about it and i have to admit its been peace of mind not being chased. But…
-
CCA and SARs requests
Hi Confused Debtors. I have been managing a number of historic debts from 2004 onwards via a DMC and making regular payments. I know I should have taken out an IVA but that is another story!. I am now because of my age (72) and health (heart) currently looking into these debts which it appears have been sold on a number of…
-
CCj but DCA still want paying? confused
Hi, Ive finally come to an agreement with Mortimer Clarke on a Payment Plan for a 10 year old debt they have been chasing me for. Im confused though as a CCJ was issued (to my old address) last year. I sent the CC a letter asking for details of this CCJ as i have never seen it. They just responded with a letter on how to…
-
Lowell CCJ and DRO
Hi all, I have applied for a DRO, payplan are sending me the paperwork and should complete in the next 6 weeks all being well. Lowell bought a CCJ against me on the 1st Oct 2018 and i have just received a text from them saying i need to contact them today. What do i do? Ignore it and let patplan deal with it, advise them a…
-
What do I do for the best
Hi there Wondering if I can get some advice, this past year have sunk into more and more debt and now struggling to keep on top of everything. Have tried to get a debt consolidation loan but my debt to salary ratio doesn't work and I have a low credit rating again I believe this is due to my debt to salary ratio. I owe the…
-
After Default Clean
Hi Everyone I had credit card debt at 2009 , couldn't pay around 6 month afterwards i got default on my credit history. So when i get this default i never paid anything to them. After few years later i had around £1500 cash , offer them clean my balance , they didn't accepted. Before few months of 6 years ending they offer…
-
Discovered 5 yrs+ old CCJ during remortgage and Lowell
Hello all, I am really after some advices/recommendations of what I should do with a recently discovered CCJ. Basically I took out a mortgage 2 years ago, all went straight forward without any issues. Until recently I'm looking at remortgage options my broker told me that the lender found out I had a CCJ in 2013 for GBP…
