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Has anyone used checkmypaydayloan.com
Hi All, On the radio at work today, I heard an advert for checkmypaydayloan.com stating if you ever had a payday loan, you could claim for misselling and unaffordabe borrowing, and might be entitled to compensation (sounds similar to all of the PPI stuff) Anyway, just wondering if you anyone has ever used them? As I was…
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Struggling with money a lot
I'm really really struggling with money. I have nothing in my savings and only enough money for all if not some of my bills as I lost £340 due to illness in work whcih mesnt i lost some bill miney . I don't really know what to do. I'm loosing sleep over it and dread shopping and things. I'm not good at a lot of things. I…
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CRA default removal question
Hi all, I am in the process of going self-managed on my DMP and one of the things I would like to try and achieve is a backdated default on a few accounts that have continued to be marked with AR/DM markers when I believe they should have been defaulted as other accounts were at the time. I also believe from things that I…
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wanting to be debt free (again) and saving for a mortgage
Hi Everyone, I am after some advice regarding reducing our debt and saving for a mortgage. We have previously been in debt to unmanageable levels, but are in a much better position financially now. We had a period of about a year being debt free, but then realised that we need to start rebuilding our credit rating in order…
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Bankruptcy help!
So when my partner left his wife he didn't realise the extent of debt she had put him in. He would just go to work and graft his !!! off day after day and let her be in charge of the money and paying everything that needed to be payed. She is greedy. She decided to take out loan after loan to re do there house etc and…
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hsbc debt advice
Dear All Hope someone can advise regarding my daughters situation. She had to resign from full time employment due to a relationship breakdown to care for her family. She is in debt and owes money for a HSBC bank loan, and credit card. She is also over drawn. She has informed her bank and is in the process of offering a…
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vodafone default help
Hi all this is a long story so I'm going to try and shorten it and get to the point. So originally I had a Vodafone contract and I went into the shop to speak to someone about an upgrade and before I knew it they signed me up for another contract and gave me a new phone but this meant I would have two contracts running at…
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on verge of a breakdown
Bit of background....my partner and myself owe a lot of money. We are dealing with them separate.as any sort of DMP formal or informal would effect my job . He is going to approach a Debt Charity about his so only my details below. Household expenses are my half, car expenses are mine....we have two cars as need them for…
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Pls remember Debt-Free Wannabe's for support and help not judgement
A reminder to all, this forum exists to give help and advice on all debt matters, to anyone that may benefit from it, any posts that do not conform to forum rules will be reported/deleted. The majority of you on here are fantastic, and are a credit to the site. Dear Money savers..... Debt Free Wannabe is one of my favorite…
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Lowell solicitors have sent me a Claim form
I have been sent a claim form by lowell solicitors for an unpaid 3 mobile bill. It was from ages ago and it's for a relatively small amount. I thought I had cleared the bill in full before I left 3. I am keen for lowell to follow due process on this. Just wondered what my rights are? Thanks
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help with debt
Hi all. I am hoping someone can help me and get my debt gone!! I was coping ok, but now I am a carer to my son and I am not working. I am constantly in my overdraft and I am only paying the min payment on 3 credit cards. I have just applied for a loan with my bank (tsb) and computer said NO. I have just opened an basic…
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advice and guidance needed with regards to debt
hi there, So I've been struggling with debt for quite a few years and been burying my head in the sand. But ive admitted to my partner about how much i owe and starting to address it. Currently i owe £2703 in council tax arrears £86 to akinika for scottish power £147 to EE £270 to Capquest for catalogue debt £1790.63 to…
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How does the scrappage of overdraft fees affect me?
So Lloyds has come out to say they are changing the way they charge unplanned overdraft fees. If I have a sum of money owing to them due to their previously excessive fees, would this amount change once they've brought in the changes? The new charge is meant to be 1p a day which would mean my amount would be substantially…
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Old debt & impact on credit rating
About 5/6 years ago I was in all kinds of debt, lost my job etc. I have been working to pay everything off and rebuild my credit rating. And nearly there on the former, still some way to go on the latter! Anyway, I have an old payday loan which has a default date of January 2012, so is due to fall of my credit file in 6…
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Got 60k need help!!
Hi Guys, I have 60k sitting in my bank at the moment and I am unsure of what to do with it; I have two mortgages, one my primary residence which I have just re-mortgaged and have a good re-payment deal on. The other is an IO on a flat that I rent out. I am most likely (dependant on the market) going to sell the flat…
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link for soa
can anyone give me link to SOA pelase, have tried to find it and cant
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Bailiff help - urgent !
I have been in an arrangement with Rundles to pay arrears of council tax at £50 per week - I've paid £650 in all - unfortunately due to unforeseen circumstances and being a busy mom of 4 I forgot to pay last week - fast forward to today and I've had a letter hand delivered saying I have to pay today - and just received an…
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Best plan of action .. Morg renewal next year ?
So guys .. A couple of month ago I was thinking of getting additional borrowing on my mortgage to pay off cc bills but after getting your advice and a good hard think I decided to just plug away at the debt without the further borrowing. So I have managed to pay off 2 cards and only a few hundred on another, however I do…
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Help needed please!
Finally plucking up the courage to post my SOA. For the entertainment, groceries and clothing sections I have gone through my bank statements and taken an average for the last 3 months. I have all 3 credit cards on 0% balance transfer deals but only pay the minimum. I really want to start paying off more but am stuck in a…
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Need to tell Bank about mental health problems and am v scared
Hi, OK. I'm thanking my lucky stars that this forum is anonymous. Basically, when I moved from my last town to this one, I was getting so many phone calls from the bank that I just could not handle speaking to them and hearing their questions about when I would be able to get my business loan payments up to date. I had no…