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Payplan and unenforcable debts
Hi there, Has anyone had experience of being on a DMP with payplan and trying to get unenforcable debts taken off the plan? Have had conflicting advice as to how they react. Would appreciate any help. Thanks!
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Panic Panic - can anyone help with query re HSBC and HFC?(on DMP)
Hi all, To summarise am on DMP with payplan. At the time we were advised by payplan for Mr Lemon to change bank accounts as he had overdraft with HSBC and credit card with HSBC (both his name only). I also have HSBC current account and as I dont owe HSBC anything they said I could keep my account provided I got rid of…
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Help with Catalogue debt please
Hi I am after some quite specific advice please, not sure if there is somewhere else I should be posting, if so can someone let me know:) I am currently on maternity leave and up till last month was managing just fine, in fact I still would be Ok(ish) but a misunderstanding with the council has suddenly left me £160…
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MBNA - A warning regarding late payments
Previously, MBNA didnt report to CRAs for 30 days - so even if your payment was sent in 20 or 25 days late, it woul never show on your credit file. MBNA are now changing this to bring themselves into line with industry - your payment will now be reported late if it is not recieved after 5 days past the due date - ie - due…
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Full and final`s
Anyone had any good luck with full and finals lately ? - what companys and what sort of % rates ?
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help with my dmp
i am putting a list together of income and expenditure and working out pro rata payments with all my creditors. i have 8 creditors but i have found that with one creditor my minimum payment is 45 pcm but my pro rata payment works out to £59. do i pay this as it works out fair with all creitors or can i just pay the minimum…
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Help!!! My SOA - dire!!!!
Hello all. I have been reading this forum for sometime now and have found it very imformative. I have plucked up the courage to do my SOA and it has really hit home how dire our finances are. Could you kind people have a look at this and give any advice good or bad on what we can do? I'm think a Debt Management Plan as we…
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c L FINANCE anybody ?
Hi - anybody had any dealings with the above mentioned c l ( lewis ) finance ? was passed over to them from HSBC `S Metropolitan arm a while back and whilst other card company's are kicking up about receiving reduced payments ( Barclaycard / marbles / mbna etc.. ) since not getting any JSA or benefits now - they have been…
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phone bill???
Hi this might sound abit strange and think there might be a case of claiming some money back,my other half had a contract phone,at the time she had 2,1 was about 2 end and 1 was just set up,the 1 which was about to end was stolen by her then current boyfreind,she didnt realise this till 2 weeks later,reason being was she…
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MBNA andCCAs
In a previous post i mentioned that MBNA has told me that they have never lost a CCA case.Can anyone clarify this situation.Thanks dubs.:beer:
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this last hurdle is a long one
Getting really fed up at the moment. I lost my job 6 weeks ago and currently living off my OH wages. I was due to be debt free in september but now with me losing my job I have no idea when I am going to be debt free or if my debt will increase due to the situation :( When I found out I was being made redundant I put my…
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Weekly Spend Challenge W/C 26th July
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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HSBC Harrasment can anyone help?
Hi all Im going to try to summarise what happened and what the problem is but sorry if i waffle - i get too emotional when i talk about it. 6 yrs ago i opened a successful business and banked with HSBC for everything - business, home & all insurances etc - been with them 22 yrs within the same period i developed an…
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CAB Backs limitation act change to 3 years
http://www.credittoday.co.uk/news/news-item.cfm?news=1259
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How much to offer creditors?
2 weeks ago i sent letters to all my creditors telling them i am having financial difficiluties at the moment as my hours in work have been cut. They have all replied saying the same thing really "Before we can consider a temporary payment arrangement, we require that you provide us a financial statement, confirming your…
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Default - Who to write to?
No longer applicable
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Removing which of these will help my credit rating
Hi, I have some outsanding debt, all paid on time but I am trying to get a mortgage and wondered which I should get rid of. 1. Barclays Credi card - £326.00 on it. I closed the card down so there is no money available beyond whats left to pay. 2. Egg Loan - £1,600 I have an overdraft of £2,500. I never exceed the overdraft…
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need help
hoping this is in the right place as looking for some help on what to do basically was put on the sick a few of months back and was managing fine with my debt payments as the sick pay was enough to cover the payments (was earning a good wage) however i have been moved onto SSP and am really struggling to balance it all as…
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Determinedtodothis - debt busting year 2
Well i've had my up's, my down's, my sideways and my, "where on earth am I going with this" I have had a fantastic first year I have already shaved a year off my debt free date all thanks to you guys. I wanted a fresh start to the "new year" and I thought i'd get you all to look at my new SOA - please feel free to point…
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capital one & doing my own DMP
i am doing my own DMP everything going well exept from capital one they havent stopped or reduced the interest its been 5 months now since sending them reduced payment .They are not harrassing me which is good just adding interest every month so my debt is growing .Do you think they are likely to stop interest ? They want…