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Debt
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! £11,850 in debt with loans and credit card and overdraft I’m paying all on time and more if I can My wages don’t stretch £1,089 M&S £3,133.56. £335.54 per month Halifax £1,000.00 £100 per month Starling £1,000.00 £100 per month Halifax credit card £2,632 £500 per month Halifax loan £3,697 £241.52 per month Phone bill…
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Decreasing cci balance
Hi folks, long time lurker yada yada yada I have a small cci £250 being managed by "Lowell solicitors" & every month I make payment as the judge ordered. My question is 1; Shouldn't the decreasing figure be reported to the credit ref agency??,they only seem to be interested in the opening balance and whether it's…
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Help
£8,000 in debt with loans and credit card and overdraft I’m paying all in time and more if I can My wages don’t stretch Can’t get balance transfer card or anything as I’ve applied for a few in the last 6 months in a short space of time Don’t want debt help like citizens advice or debt support or step change I’m sorting it…
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What would you do?Pay issues
Since early in the year I have had problems with my pay. I work for a huge organisation with departments split across the country. Payroll, HR and my manager are all blaming each other. I have had countless meetings with promises of resolve but every month something new happens and it is just getting worse. My company is…
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Merry Christmas Moneysavers
:xmassign: Well another Christmas, and another new year are almost upon us. On behalf of myself, and the rest of the DFW board-guides, I would just like to wish you all a very Merry Christmas, and a more prosperous New Year to come. What ever stage you may be at, on your journey to debt freedom, i`d just like to remind you…
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National Debtline opening times this christmas
National Debtline 23 hrs · Wishing you a Merry Christmas! We're here by webchat at nationaldebtline.org until 8pm tonight and then from 9.30am-1pm on Saturday 22 December. We re-open at 9am on Wednesday 2 January. You can also get information online 24 hours a day on our website.
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DRS Debt
Hi, I have received a letter through the post from a company called Debt & Revenue Services, stating I owe over £1000 on a vodophone bill. I have had 2 contracts with them, one for my phone and one for my partners phone, my phone is currently still with them but we missed a few payments on my partners phone and then they…
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credit file after settlement
Hi there. We currently have a dmp with Payplay for £18k. We want and will pay this off but I have a few questions. Does it make any difference to my credit rating if we pay this off in full or by going down the full and final settlement offer and pay a percentage off? And if we did use the full and final offer, can we ask…
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Stepchange opening hours this Christmas
Our Christmas and New Year opening times: Monday 24 Dec: 8am - 12.30pm Tuesday 25 Dec: Closed Wednesday 26 Dec: Closed Thursday 27 Dec: 8am- 6pm Friday 28 Dec: 8am - 6pm Saturday 29 Dec: 8am - 4pm Monday 31 Dec: 8am - 6pm Tuesday 1 Jan: Closed Wednesday 2 Jan: Normal hours (excluding Scotland) Our online debt advice tool…
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BW Legal and Prac (PaydayUK) Debt letter received for settled debt. Advice needed?
So this Morning I got a letter from BW Legal on behalf of Prac claiming I owe 3 separate Payday loans. 2 of these loans are for Payday Uk and a 3rd for The Money Shop. The first is, Payday UK outstanding balance of £487.53 from 1st Dec 2012 this shows as satisfied on my credit report. The second is, Payday UK outstanding…
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Shoosmiths/CCJ
Hi, after advice regarding Shoosmiths dealing with an Erudio student loans debt.(old student loans type) They sent me a letter at the beginning of november chasing an outstanding debt of £7300. I’m not in the position to pay but my mum has offered me £2k to settle it. I wrote back offering this. They sent another letter at…
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Offer of full and final settlement
Hi there, We have a debt with a debt collection agency, which we've had for about 10 years. We were unemployed and have been paying the minimum amount. The debt was for £10k and has risen to £17500 now. We have had an inheritance of £10k, do you think if we offered the debt agency £10k as a final settlement, they would…
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F&F offers, or do I need to? Advice needed..
Hi all. I would value any opinions or advice from the very knowledgeable folk on here. In a nutshell, I have an outstanding debt of approx. £10000, all of which originally date from at least 15 years ago. These debts are shared between 3 DCAs, bought from the original creditors. These break down roughly as follows: £1800…
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What are our options?
Hi, sorry I've posted similar before but can't find it now duh! My husband is self-employed and has gotten into a lot of debt from people not paying him, therefore, he was unable to pay anyone else and we got in a huge mess. He signed up to the business debt line and did all the budget and it's basically coming out that he…
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Debt Help!!!
Help, a week ago I lost my job as a train driver, I was taking home approx 4K a month, however I have significant debts that I was paying fine. Now I'm worried about paying these debts and ruining my great credit rating. Credit Cards: Nationwide, 0% with 6 months left: Limit £8000 Balance £4649. Minimum payment £47 MBNA,…
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Bailiff chasing unpaid council tax
So, to cut a long story short, I lost our family home a couple of years ago, my wife and I are now separated because of everything. It turns out that the council tax is unpaid for 3-4 months there. I use a friends address for my bank but I dont actually live there. I am currently mostly couch surfing with friends. The…
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Debt Management Plan i want to pay off
Hi all. A few years ago we got ourselves into problems and currently have a Debt Management Plan with PayPlan. Our current debt is £18k with a number of creditors. We now are in a more stable position, and want to pay this off. Now i've read that you can send letters out asking to pay a percentage off each amount. A full…
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Confused by Decembers pay
I'm hoping someone can help we understand my December sadly I don't get my slip till the end of the month. Basically my salary is £41964 My tax code is currently: 1132L M1 (readjusted to pay my medical insurance) My usual month pay before taxes: £3497 My usual net pay: £2471 I am student loan payment plan 1 (started before…
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Trying to payback 50% only on my debts
Hi!! I defaulted on about 8,500 pounds worth of debt mid 2016, since then some have taken me to court some havent so ive got ccjs. im currently in hospital in rehabillitation i got paid around 17000 in backpay from the recent esa contribution based to income related ordeal. ive been getting letters from my creditors for…
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Student Overdraft
I went to University in 2014 and got a student overdraft with Santander. The condition was to pay something like £2000 in the account per semester in order to get the overdraft, which I did, with my student loans. I left University in Summer 2016 after my 2nd year for some health reasons and then went travelling for a…
