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I think my bank wants to take my overdraft away £10k
Bank have asked me to "pop in" for a chat about my overdraft, the limit is £10k and is sitting at approx £9300 and I get a £1k salary paid in next week. I also have a credit card with them sitting at roughly £5k with a £11k limit. Challenged the bank as they said, your overdraft has came up for renewal told them that the…
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Halifax!!!
Where to start? Im hoping people n here might be able to offer me some advice or at least calm me down.... This is the story My mortgage is with the halifax, visa is with the halifax, loan is wit the halifax(paid next month:j ) car insurance OHs business accounts etc.... 12 years we have been with them, no missed payments…
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Entitledto.co.uk - back payment?
Hi, About 2 years ago I graduated from uni and stayed in the area for another 6 months. I paid £425 rent and also council tax on top. I worked in a nigth club probably working about 20hrs p/w and may rate of pay i think was £5.something. I've just been on the entitled to website and put in some guesstamates and it looks…
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debt managment plan
hi I'm in such a mess , I've done something stupid ! last year jan.07. started dmp. i owed about 2.000 ish . but in Jan i had to leave the home i was living in with my disabled daughter , [not my fault landlord selling ]& relationship break down at same time . i walked away with NOTHING i managed to rent somewhere else all…
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Just received a "We want to help" letter from Natwest
My DB (boyfriend) has just received a letter from Natwest, as follows:- "Having reviewed your account(s) we note that your paymens are currently behind schedule. We wish to assist you in resolving this situation and can potentially reduce your monthly outgoings." Outstanding balances are as follows:- Mortgage - £79819.85…
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Motivate me please
I am doing college course to earn money, I am a little behind and can go in on extra days to catch up, tomorrow is one of those days but I am struggling to find the motivation to go, I have got a raging toothache (dentist Wednesday) a filthy house, need to cook for the freezer and I am worn out probably from the tooth,…
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Please help me get Out of the Sinking
CCCS recommends bankruptcy – is this my only way? Hi there to everyone, It has taken me many years to have my light-bulb moment. I knew the switch was there, but I didn’t want to turn the light on. I was terrified of what that light would show me, and I was right to be scared. Below is my S.O.A. I hope desperately that…
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I count my blessings and thank the bailiff
and wonder what I did with my time before I signed up to speak to the world and his wife about my problems. I can only thank everyone for being so helpful and supportive. I have gone on so many different threads and tried to give something back. I will never moan about being in debt again having read some of your problems.…
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DMP Advice
We have an Abbey Mortgage £82,500 about 22yrs left We have a secured loan £30,000 but they sold us the dreaded ppi for £10,000 (yes i know gonna send template letter) but we are supposed to get that back if we are good in 10 years...! The settlement figure because of this is about £38,500. So £82,500 + £38,500 = £ 121,000…
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Linked Creditors - help please!
Taken the plunge and officially signed up with cccs today for a dmp. Had to phone them a couple of times and they were really helpful. Feel like a great weight has been lifted and that we are taking the first step in taking control - cut up credit cards this morning too which was really liberating! Advised by cccs to open…
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suicidal feelings again
Hi first I'd like to apologize for the title and second for this long thread only i thought it would be better to give you the full story. It all started way back 20 years ago when i met my girlfriend who i class as my wife she was lovely and still is but she had some problems, Her ex of just 3 months was a very violent…
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OU students...
I'm just wondering how you decipline yourselfs to study on your own? Do you find it easy to set time aside to study etc? I keep going back to the OU and looking at 3 different courses, 2 have residential schools which would mean 1 a year (I think) which is okay. Looking at Law or Science
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Radio 5 discussing debt problems in UK
Not sure how much longer for but Simon Mayo is discussing debt now on Radio 5
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help with spending diary pls
:confused: hi i have started using a spending diary online as advised here. i am a bit confused as to what to name the categories etc :confused: can you all share how you do it please as i am stuck ie i have put say lidl in the top,then food and grocery as the name then the amount when i go to get a report , bills and food…
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Myvesta now charging - advice please!
Hi all Have had a DMP with Myvesta for nearly a year now and we recieved a letter this morning saying that they will now be charging £15 per month for administering the DMP. We currently pay £60 a month and have nothing at all left at the end of the month so although £15 might not be a lot to some people it is a huge…
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Halifax Taking The Biscuit
Hi can anybody help. Have just checked my experian report as i'm looking towards remortgage as my mortgage product is due to end on the first of march. I have a old halifax unsercured loan which i missed payments and then settled april last year (£450). Having settled the account a year ago (about) i thought that if i…
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Money shop & The Cheque Centre
Hi, I've fallen into that trap of borrowing cash till pay day and i've really fallen fast.... Do you know whether either companies can let you pay it off over 5 months rather than me ALSO having to pay the additional cost of 'carrying it over' till the next month (which costs me about £80 a month). I'd really appreciate…
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CCCS and Payplan - Debt limit?
Hi Does anyone know if CCCS and Payplan have a minimum limit on the amount of debt they can deal with? OH has had his LBM, and is struggling. He says his outgoings are bigger than his incomings, but I've not had a chance to look at them. He is guessing his debts are about £6,000, he has defaults etc and at least 2 loans…
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to let every1 know how far IVE come
since i found this site, ive found many tips of ms, it certainly rubs off doesnt it. im trying to get my mum and dad thinking my way;) well, normally january is a poor month, usually going over od etc. ok, i know as ive got 2k mortgage arrears currently, im not paying my creditors the amount i was when on dmp, only £1 each…
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Problems With IVA through Payplan
I've had an IVA through Payplan since October 2006. I have discovered via my annual report that Payplan have not been distributing my monthly payments to my creditors. Payplan say they have been waiting for my creditors to confirm the final balances owed before they distribute the money. This seems crazy as the IVA has…