-
Paying off DMP fully ... advice?
Hi everyone. Just a bit of background ... we started a DMP 9 years ago ... at that point it was around the £300k mark and we have currently paid off aprox. £94k of that. We are currently living abroad (where it is much cheaper to live) in our own property (which the DMP company knew about) and we may at last have a buyer…
-
Debt Free AT LAST !
Hi all Well as the title says i am DEBT FREE as of today! I just wanted to say to all on MSE forums..... THANK YOU! Your advice, criticism, help and comments have been so helpful and are the main reason i am where i am today. I was clueless about all things to do with debt etc until i joined here to ask for advice. Every…
-
Knocking on the door of debt freedom
Loooong time lurker but felt I should finally post and share my story after 4 long years :T I have had a reflective morning as we are getting closer and closer to our goal realising how much we have actually paid off! Light bulb moment in 2013 where debt total was £16,325 After lots and lots of fantastic advice from the…
-
Help
Hi there, I have £26000 debt made up of two mail order catalogs, three credit cards, two unsecured loans , and a store card. Including utility bills and phone/internet , council tax etc... the monthly cost of this equates to almost the same as my monthly income (give or take a few pounds) Leaving almost nothing for food…
-
Final Offers
Hello Everyone I have just sold my house and have equity of 45k I owe 38k in debt and am about to start to make final offers based on 30% which is about 12k. I don't want them to keep pushing for more money so am thinking that if they don't accept the 30% to say that the offer is now withdrawn and continue paying the DMP…
-
Advice re DMP
HI everyone I'm looking for some advice regarding my DMP. I'm with stepchange just now and I currently still have these debts outstanding: M&S 1500 Nationwide CC: 1200 Nationwide Overdraft: 1300 Barclaycard: 11000 I pay 250 per month and there's no interest on any of the balances. I'll be getting a small inheritance of…
-
New to this - help please?
Loan from Friend Monthly: £206.00 (£3090 left - no interest payable) RBS Loan Monthly: £215.06 (£2979.06 left exc remain int) PDL (W) Monthly: £509.00 (3 months starting this month) Joint: RateSetter: Monthly: £107.72 (£2154 left to pay inc interest) Joint: Nationwide Monthly: £94.42 (£13304 left to pay inc interest)…
-
What bills are better paid annually?
I have lots of direct debits paid monthly. I'd love to pay them in total each year but really struggle to think how I can do this because it would mean I'd be saving each month (for the following year) and paying the current direct debit. The only bill I pay in full is my buildings and contents insurance, which was about…
-
Which path to financial responsibility?
Hello! I'm looking for some advice on how to pay down my debt and whether to save more or not. Over the last three years, I've amassed around £15k credit card debt. I did a bit of jiggling earlier in the year and £9k is on a 0% card while the rest is on an American Express card (super expensive). I have a collective credit…
-
Shopacheck debt written off but Lowell chasing payment?
First post so go easy on me :D been lurking for a while and the info on this forum is so helpful. My partner and I are in the process of repairing our credit reports after being sucked in to a lot of debt during a period a few years ago when we both lost our jobs within the same month and didn't go about things financially…
-
Not a clue what happens next
Hi Bit of back ground info. I was in a DMP a few years ago but in 2013 due to circumstances in my personal life and the start of some autoimmune diseases I stopped paying. The creditors went quiet until last year. Stupidly I took the advise from a website which stated you could send 3 letters to creditors and they'd close…
-
Student Rent arrears CCJ
Hi all, I need some advice please. My daughter has received a CCJ claim against her regarding rent arrears. Long story short, she signed a lease agreement for 12 months, within 6-8 weeks she had to leave the property due to conflict with other tenants who were harassing her and doing drugs in the house. She reported this…
-
Marston group
Hi I received a letter from marstons stating I need to pay £651 for an outstanding fine. It doesn't actually state what the fine is relation to but I think it's a parking fine from around 2 years ago. The letter says a court order has been made to give enforcement agents the power to visit me. Is it legit and do I have to…
-
CCA request returned - question?
Hi all, I have this morning had two CCA requests returned to me from the DCA stating that I need to contact "their client" (my original creditor) directly, forwarding them a postal order for £1 for the request. I believe I have read on here that it is the DCA's responsibility to provide this information now that they are…
-
CCJ help and advice needed
Hi all, First post here..... I have over he last 5 years been stupid and racked up unwanted debt and have accumulated £3000 in credit card debts and have a CCJ of £4000 from everyday loans from 2014 which is at a CCJ since then. I have impacted badly on my credit score and am now in the process of finally clearing my…
-
Council tax debt.
Hi I'm just looking for some advice. I had a large debt with council tax. I'm in an arrangement with the council to pay along side this years council tax. However I'm really struggling keeping up with the repayments (Around £210 a month for the arrears plus £107 for the current year) We don't receive council tax support so…
-
List of debts request
Hi, I've sent F&F's off to my creditors. I have had a response from one asking for an up to date I&E, list of my debts and the amount of money I have been gifted in order to pay debts. The I&E is fine, I have printed off the page from my latest Stepchange review and am happy to send that, I am also happy to sent a list of…
-
Racked up too much debt trying to be smart. Please help!
Hey, thanks for taking the time to read this. I quit my previous job June 10th. For as far as I could remember I was paid for the previous month. So June you were paid for May and July you were paid for June. It's how it was when I started. I assumed that is how it was always. My girlfriend has been over in NYC for school…
-
Lowell CCJ Enforcement?
In 2006 I took out finance on a car, however, in 2009 things took a bit of a nosedive and I fell behind on payments and Black Horse ended up taking me to court to recover the vehicle. I argued my case as things were on the up at the point we went to court and the judge agreed I could keep the car and continue making…
-
What small DFW things will you be doing this week? WC 26/6
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…