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Bank charge offer - should I take it?
I got an offer for repayment of bank charges from the Yorkshire Bank. I claimed for £4770.00 plus costs plus inteest of almost another £4000. I got to the stage where I claimed through the small claims court and was waiting for a defence to be filed. Got a letter today offereing £4664 plus costs. Should I accept and be…
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I Owe Unlisenced Loan Sharks What To Do
I Have Got Myself In Real Trouble, I Recently Cosolidated All My Credit Card And Unsecured Lending By Increasing My Mortgage, But I Have A Real Problem As I Have Run Up Around £70,000 Debts With Unregulated Loan Sharks And Family, I Feel My Only Opption Is To Sell My House And Use The Money From This To Set Myself And My…
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credit agreements?
erm i just briefly read that if u have not signed a credit agreement its not legal ? that right i never sent the credit agreement back to next when i started to use my account
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Littlewoods being a pain in my bum
I was wondering if any of you lot could help. Long story but will give you the jist. :o Mum got some stuff out of a friends littewoods catalog, sofa and computer.She had £600 outstanding, then uped and moved to Spain. Mums friend was getting on at me about it, and I said I would sort it. He then put the account over the…
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Debenhams Store Card
As a new member i am hoping that i am posting in the right forum apologies if not. I am after a little advice my DH has a Debenhams store card with £1600 outstanding we are not in a position to clear this off at the moment but we have been making more than the minimum repayments (£100 plus the interest), but my question is…
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A Great Way to Save Money at Christmas!
I heard about this whilst I was in the USA last year. The lady I was talking to had a large family - some 14 of them in total. Somewhere around September they all get together and put their names into a hat. Each family member takes a name at random. Then you buy ONE present for that person, at a prearranged amount of…
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I just feel so ashamed
I dont know how I got here...............facing all this debt Tonight I worked out I owe just under 24,000 on credit cards I have just gone through the online budget with ccs and have submitted my details, they have advised they will now write out to me. right now I am feeling like just ending it all
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Earning extra cash while on maternity leave?
Officially started my maternity leave today (woohoo!) and my boss has offered to pay me to go in and do some redecorating and painting displays (I've always been classed as the 'artist' of the nursery where I work and recently redecorated the bathroom which they were really pleased with.. My question is as I'll be on my…
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Newbie DFW
Hi This is a great site - and such a comfort!! I feel such a fool when I look at my debts & it's good to know I'm not alone. I've built up debts since being a student (a mature student, so should have known better!) & have kept "tidying my debts away" instead of paying them off - and then building them up again. I'm a…
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please delete
please delete
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Your Money or Your Wife (C4)
Has anyone seen this programme?
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Should I surrender Endowment Policy to Pay Inland Revenue???
Hi, I am new to this forum but have been reading the newsletter for over 12 months now. I have recently been trying to get to grips with my finances because I am fed up of being in debt due to poor management. I have recently received a large tax bill from the Inland Revenue for £5500, although I pay PAYE tax and I am not…
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what's the first step?
Hello - I'm a newbie, have been lurking for a while, but really need some good advice now. I have recently had to leave work due to stress related issues and my partner also has to stay at home with me. We have two children. Between us we have amassed a good few debts, that were affordable when we were both working, but…
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IVA and DMP? Whats the difference
Been on a DMP with payplan for the last 2 years and has gone down from 16k to 13k, so its a slow thing but better than nothing. See these adverts which state they can get the debt repaid in 5 years as they have a loophole which wipes something like 60-70% away, which all sounds great but does that mean in years to come…
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I dont understand this info on my credit report
This is the problem seriously affecting my credit file: Account holder name: Account holder DOB: Company Type: Debt Collector Account Type: Bank Default Last Update: 11/09/2006 Start Date: Start Balance: £0.00 Current Balance: Account closed on 27/02/2002 with an outstanding balance of £1,444.00 Credit Limit: Not…
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Our SOA, is there anything i can cut back on?
:eek: Ok this is for both of us, im purple, he is red to make it easier to read. INCOME £900 + £20 WTC £340 CTC + £116 CB + 1 SHIFT A WEEK IN A BAR £30 OUTGOINGS RENT £455.00 COUNCIL TAX £85 UTILITIES QUARTERLY £130 bt LANDLINE £25 vIRGIN payg MOBILES £10 TOP UP EACH A MONTH Food shopping £120.00 Internet £18.00 Contact…
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Littlewoods catalogue!!!
Hope someone can help! I have a Littlewoods catalogue and was making the regular payments on the balance. There was a mistake made by Littlewoods where they thought i had made 2 payments when i had only made 1. This made my next monthly payment jusmp from £9 to £70! At the time i didnt have that and asked what i could do,…
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Temping in Manchester (Admin/PA work)
Please feel free to move if in wrong section but just wanted to pass my knowledge onto any DFWs it might help... Hey there Have been temping for a number of years in Manchester sometimes on good rates and sometimes on not so good rates but towards the last few months of temping (grrr!) I found out about Manchester Temps.…
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Letter to offer payment?
Hi can anyone direct me towards the template letter of offering payment to creditors and what you have to include? i cant find anywhere! thanks x
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Please help! im 20 and stuck!!!
Well today i received a letter from Wescot credit services about an outstanding amount for the royal bank of scotland. What happened was: I worked for the RBS and when i left i owed holidays therefore had to pay it back. RBS took the money from a supposedly closed account with rbs when my staff account was with Natwest. I…