-
Lowell Financial Statement Request for Lloyds CC debt
I had credit card debt with Lloyds, Lowell purchased the debt a few years ago, and I have recently offered Lowell a Full and Final settlement for debt. In the full and final offer I explained I have large debts accrued and gave the total figure, and how much I could raise to pay Lowell in settlement. I did the same with my…
-
Money
Hey, I completely get that this post is going to get a lot of angry replies but please just hear me out, I know I am completely in the wrong. Me and my ex were together for 8 years and lived together for 2. In the time we lived together we had a lot of money issues. Catalogues were taken out under his name by me and I am…
-
No CCA with Paragon/IDEM
I am in a DMP with Payplan and have 5 debts within that. I have requested CCA's with all of them to confirm enforcability.2 (both with PRA) have submited requests for this information (I presume from the original OC) and have confirmed at the moment as it is in dispute, payments have been put on hold (and I have instructed…
-
Utterly Lost and overwhelmed.
Hi, this is my first time posting and im a little nervous but im in desprate need of advice and help. I will provide as much infomation as possible about my mine and my husbands situation we haved moved into a lovely house owned by a freind of a friend who is happy to sell it to us, but would prefer sooner rather than…
-
CCJ
Hello just need some advice please with regards to a ccj so i have 2 and I’m trying to sort out as I’m basically trying to sort out so I can hopefully one day of remortgaging so one has £1,300 it from 2018 and was awarded for £2,800 payments are £40 a month hope to pay this off in full soon but it’s my other one I’m unsure…
-
Debt free almost....how to stay this way
Good evening for the 1st time in almost 8 years I think I am almost debt free. How / what do people do to stay that way... I have several credit cards with zero balance that are just waiting for me to spend on them.. should I cut them up...to stop me what if I need funds for a emergency etc. Hoping for some good vibes…
-
Should i force my IVA to fail?
Hi all, I've been racking my brain over this for the past few weeks.. and I need your advice please! :( Myself and my husband currently rent a flat, and we now want to take the next step in our lives and get on the property ladder and start a family. Husbands credit is good. I'm currently in an IVA - and have been for 12…
-
Advice please would be great
Afternoon. I am changing jobs and now receiving a lot less salary from September but also received a payment for leaving. I have read other bits related to clearing your debt and want to ensure my long term finances are secure as the new job is for a year. I should be able to raise about 15k and have two large debts apart…
-
Which option is best ?
This discussion was created from comments split from: IVA Paid Off?.
-
Utilities - monthly meter readings and direct debits
Morning all, On the boards I read a lot about people giving their meter readings in monthly which is something I haven't done before. I last read my meter in May and sent in new meter readings last Friday 10th July, and my DD has jumped from £111 a month to £162 :o I know we're using more electricity as both MrM and I are…
-
Debt Advice
I am currently carrying a fair bit of debt and looking for a bit of advice. * I have credit card debt which I am currently paying the minimum * Some default credit card debt which i am paying off * I have some arrears on car finance I have been fortunate to get some additional money but wanted to know where would that…
-
Dealing with debt charities
I, on behalf of a small charity, am trying to help someone with a large utility debt. I suggested that they contact one of the debt charities to establish the best way forward. The debt is too large for us to clear, but depending on what the debt advice was, we could possibly assist. Apparently the advice was that the debt…
-
What small DFW things will you do w/c 13th July
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…
-
In a spot of bother!
Hiya long time lurker of this forum finally made an account. What is the best way to go about my debts what i have stupidly racked up over the years. Our income is not great. Any advice Jade x
-
Mobile Phone Debt
Where do i begin.... I have 3 mobile phone lines in my name and was fine as they were for family members. But then i encountered some serious mental health issues and had to hand control of my finances to a 3rd party to manage them. things seemed fine until today i have received my account back and have realised that the…
-
SOA -some advice needed please
Hi all, I've been reading posts for a while now and want to share my SOA in the hope you can provide advice on how to proceed. I've completed and income and expenditure with Step Change but I'm not sure how I want to proceed at the moment. It has been a huge step doing this and reading posts here has been amazing. I first…
-
Moved: Some advice please!
This discussion has been moved.
-
Advice needed please re partial settlement
hello I’ve been looking through other posts regarding partial settlements and am I correct in thinking that if the creditor accepts it, this partially settled marker will stay on my credit files from the date I make the partial payment? I have read other posts to suggest that it’s sometimes better to leave your accounts in…
-
CCA Requests and Stepchange
Hi I have sent out three CCA requests so far. My other accounts are 5/6 years old and still with the original creditors so I have not bothered sending CCA requests so far. if the ones I have sent out come back has unenforceable have Stepchange been okay about this or have you faced issues? any advice would be great thanks
-
Unknown CCJ's
Hi I wonder if any of you can help me..... I left my Husband and the marital home approx 9 years ago. My ex husband kept the house on and all associated bills. I have just gone to rent my own property and have found out that I now have 4 CCJs (2015, 2016, 2017 & 2018) registered against my name at the marital home. Is…
