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Protected trust deed advice
HI everyone! Firstly can I say what a fantastic site this is! Thank you everyone! I'm sorry if this is in the worng place, feel free to move it! I'm looking for a bit of advice about protected trust deeds, more to the point what happens after! I signed my trust deed 5 years ago, so it was cleared just over 2 years ago.…
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Help please IVA/Bankruptcy
Hi, I plan on claiming my bank charges back and tried to open a Natwest step account I was declined on line and have just got home to find a letter from Nat West stating the reason why is because a Bankruptcy order was registered on our account. Now I know you will tell me I really need to get a copy of my credit report…
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NHS Dentists
Hi all, I hope I'm posting in the right place.Apoligies If I'm not. Hopefully this will help someone.I was in desperate need of an NHS dentist.I've paid 1000s in private dentist bills (hence why I have had large cc bills) I've come across with site this morning and if you put in your postcode it will come up with anyone…
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Defaulted MBNA acc - £1200 Fees refunded to reduce the balance - won the lot !
Evening all... Just to let you know a little titbit.... As you know I defaulted on everything but the paper bill.... Filed one letter with MBNA last week, have won over £1,200 in fees refunded to the defaulted acc to reduce the balance... mind its over 10k... Little do they know Im goin BKY next month... still ... proves…
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Goodbye Sky!
I did it! I have given Sky the heave Ho! I was paying an outrageous £46 a month for sky with sky plus. They tried to offer me sweeteners to stay but I held firm. The guy was quite naughty really, trying to be my mate and saying 'oh but you'll miss sky plus, I couldn't live without it' . I see NTL are offering TV, phone and…
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Bank charges
Trying to get some help filling in an N1 claim form (mums exempt from charges so not doing moneyclaim online) been posting on the bank action group website and not gettin much response can anybody help?
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Bank Charges - Im gonna give it a go!
Hi Everyone! I have plucked up the courage to try and claim my overdraft charges back! :eek: I have also encouraged my OH to do the same so here's hoping! Im with Barclays, has anyone reclaimed Bank Charges with them, if so, how did you get on? Cheers! 1st Time Saver :)
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Grr Why Can't A Debt Management Company Help??
I managing to pay off my debts but I am forgetful and miss the odd one here or there permonth as I have about 12 going out of my account and its not easy to keep track. So I've tried debt management companies to try and get all into 1 monthly repayment, but they are not interested, They say by the time they add my…
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Five steps to solve your debts - yeah right!
This is the title of an advert I saw yesterday from The Debt People. Out of interest, can anyone help please? The advert says "You can take advantage of little known Government legislation to write off up to 75% of your debts." Does anyone know what this is please?
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Bankrupcy
HI, IM WONDERING IF ANYONE CAN GIVE ME SOME INFO. ON BANKRUPCY AS I WANT TO KNOW WHAT IT INVOLVES AND IF IT IS AN OPTION-ALTHOUGH I DO UNDERSTAND THAT IT IS A LAST RESORT. AS YOU CAN SEE FROM MY SIGNITURE MY HUSBAND AND I ARE IN QUITE A BAD STATE AND IM WONDERING IF THIS IS THE ONLY REALISTIC OPTION??? MORTGAGE HAS 28…
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Cannot Take Anymore - please help!
Finances in a mess and my Husband and I work so hard and are on good money. But, we have been to the bank and want to try to work out a plan but all they do is what we already do and run Income and Expendures past us. Real help. Have about £15k on cards, £25k on loans and 3500 overdraft. Have been to debt free direct and…
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Bankrupcy
Just a quick question if a person become's bankrupt and they have a job is there any cliam on a persons wages with regards to the debt. :beer:
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Feeling very blue
Hi all, pretty new to this. Hoping for some moral support more than anything as my life just seems to get worse. Anything that could go wrong has. Work is awful (they're making loads of redundancies and my boss....well thats another story). My boyfriend took cold feet and left. I really love him, tried contacting him but…
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would really appreciate 2 minutes of your time folks....
Hi guys. Thanks for taking the time to read my post - can anyone offer any help or advice? my problem may not seem as severe as some people on here, but it's really getting me down now.... I was rejected for a Northern Rock loan for £18500 yesterday which I truly believe would answer all my prayers and help my pay off all…
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BF needs a boot up the bum - any advice??
:silenced: :silenced: :silenced: :silenced: :silenced: :silenced: :silenced: :silenced: Can someone please come over and give my bf a swift reality check!!!! My bf is in almost £13,000 worth of debt and doesnt seem to give a s**t. He seems to think all the debt companies send these letters out for funa dn if he keeps going…
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HSBC toughening up on IVAs
I saw this on a news report today - apparently it is the Financial Times today. Is this the start of IVAs becoming more difficult? "HSBC has increased the rate of returns it will expect to receive when entering into individual voluntary arrangements with indebted customers. The typical rate of return that creditors receive…
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Which to pay first - Mortgage or Student Loan?
Hi, Couldn't decide which topic to put this in, so it ended up here. Basically, my OH has a £13000 student loan and I have a £70000 mortgage (~4.5% for another year) - no other debts We used most of the student loan as deposit on the house. Now that we have 2 incomes coming in, we'd like to pay more of our debts off. My…
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Can't get my head around the maths!!
I have just been sent a new M&S card which was offering 0% on balance transfers and purchases (or so I thought)! I have a £3,000 overdraft which I was planning to "pay off" using a cheque or balance transfer with the new card. I have now been told that they are not offering 0% on purchases, they don't issue cheques and…
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Ebay 5p listing day - sell all your stuff DFWs
Hi all, I just noticed that there is a 5p listing day, all day, on Thursday so fire up Turbo Lister and start writing those auction listings ready to upload on Thursday. Go go go. DDDK
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UNDER £19K! Another mini-milestone reached!
This morning, I decided to pay an extra £100 off my Egg Loan, which now takes my debt down to £18,934 Wooooo Hoooo :dance: When I started posting on DFW, I never thought I'd get this far this fast. Thanks :T guys for all the help - and keep it coming, I've a long way to go! Am a bit euphoric right now :j (sad huh?! ;) )…