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Someone please help me
Hi there, I've currently got £10,500 debt and I'm paying all my bills on time but only managing the minimum payments and it's a looooooooong endless battle. I want to be able to consolidate and wipe the slate so to speak and only have one monthly payment to pay. The problem is, my bank won't give me a loan to consolidate.…
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lily333's updated SOA, please help again!
a big thank you to all who posted last night and today - you all had something helpful to say and I can't believe how amazing everyone is for even trying to wade through my SOA................... have attached an amended version, so would be really grateful if people could have a look at this again and see if it makes any…
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No money and bank a cc calling all the time what do i do ...
Hi sorry not been on for ages but been busy sorting everything out and kids are on holiday's now. Right as some ppl might know i have put a bank charges reclaim in news on that still not got it back, and now my jsa is starting to come to an end as i am on income based job seekers allowance and as the wife is back to work i…
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Sale of Debt to DCA whilst in dispute: not permitted?
I read in one of these threads that it is not permissible for the original lender to sell a debt to a DCA if the account is in dispute. I think the threads cited the CCA74 section but I am not sure. I've had a good search on the forum and through my history folder and can't see it. I should have book marked it then! If…
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Debt Buying by Lowell Portfolio Financial...
Hi all I'm a newby on here and am trying to clear debts whilst struggling not to pull my hair out in the process!! I'm a member on credit expert so that I can keep an eye my report, and Lowell Portfolio have 'bought' a credit card debt from Halifax. They've entered it on my report separately so it looks as though I have…
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Credit Report..need clarification
Hi All, Have just got mine and hubbys credit report from Equifax. Not as horrific as we thought in terms of level of debt but need to clarify a few things. How long do Unsatisfied CCJ's stay on Credit Files for? If I pay a Default with a few years left on it will it drop off after the 6th year from Default lodged (one,…
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Pay Off 20K By Xmas? How??
Hiya, Obviously I am 8 months late on this but I was just wondering how people are trying to pay it off? I have tried to read throguh the post but cant seem to find how and what people are doing to try and pay off their target figures. I want to look at all avenues before deciding on the IVA. Thanks Guys x
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notice to remove goods
Well the !!!!!! have been and dropped a letter round today. i need to phone this baliff as soon as so he come to my house and collect my goods. Please can anyone help, do I need to do this? Everything in my house is in my OH's name:confused: am terrified....!
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My Soa thingymajig
Advice needed, Ill try to be receptive with regards to the advice but dont take it the wrong way if i throw up alot of negatives, its a very bad habit (specially in my final bank balance) Cheers Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1104.33 Partners…
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mobile phone
hi can an one help in 2006 my daughters then boyfriend took out a mobile phone on contract which was in his name and address but she agreed to let the dd come out of her bank .this happen for a couple of months until we found out and told her it was abad idea, so they went into the local t mobile shop and had the dd…
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Online Survey Sites and Review Sites
I know I know....there is another board about these further down the forums but I wanted to discuss it with you DFW's because - lets face it - we are the bestest people on the whole site :p :p:p:p:p:D:rotfl: I was looking at extra ways to make money and have added myself to some of these survey sites and have also just…
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Help, First Timer
Hi All :hello: Well here goes first post to try and get myself sorted. Over the past 10 years i have got into approx £22k of debt which i have wanted to get rid of but until now have doing nothing about. I worked out that after all bills inc mortgage, CC, loans etc im left with about £200 a month just to live so tbh i…
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Consumer Credit Agreements
Evening All Now that I have taken the plunge and written to my creditors offering them a reduced payment :eek: I am wondering about requesting CCAs. I have been reading up (a little) regarding this and from what I can gather (I skim read an awful lot) if they cannot provide me with a copy of our orginial agreement the debt…
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Somebody went through my bins this afternoon
About 4pm this afternoon I heard a wheelie bin in our 'court' slam shut. No big deal I thought (it's bin collection day tommorow!) but then again and and again it went on went upstairs and saw a fairly well dressed man (ailbieght in fishing gear! ha!) methodically making his way through both the blue and black bins in our…
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my guilty secret spend
Chocolate Malted Milk biscuits :o
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Complete Mess
Hi all. I'm a semi-regular poster all over the forums, but am so ashamed I created a new username for this. I have got myself into a complete mess. I'm 22 and moved out of my parents 3 years ago, nearly. Before I start my ramble, I just want to say how painfully aware I am that all of this is my own fault. I am completely…
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Newbie help required please
Hi there. Have a bit of an issue that I would appreciate some info/advice on. I have let a debt run up on some fees to my factor (my fault, just didnt get round to pay) and they have now just appointed a debt collection agency to chase the debt (debt around £350 which I can and will pay tomorrow). Hands up - my…
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Experian & CallCredit
I found something intresting out today, by accident this was. Argos had been reporting incorrect information to callcredit, so I contacted them to correct it. There credit ref dept adviced me that they will do an emergency update via experian, I explained that it was call credit and they said to me that call credit takes…
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Beat Your Bank
Hi I found this out from CAB. No one told me, certainly not the bank or my credit card service.I think others would, should know. I beat my bank this way. If you have a credit card attached to a bank ie. Bank with Barclays and you have a Barclay Card, and you cant pay your credit card monthly payment Barclay Card can look,…
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DFW Daily Chat 4 Aug Weybiza Hangover Party
morning....yawwn...... Woke this morning and all my internet friends were back in the computer :( Few piccies on last night's thread and more on my FB profile. Am eating toast and it ain't the same without caravan Marmite, Ryan trying to become Luigi instead of Mario, Tasha asking for 'jooooce' and Lily giggling her head…