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6 year old debt help
I have a debt that I haven't paid since August 2000. I have received approx 3 letters from different companies since that time, the last one being from approx a year ago. I responded to NONE of them. Today I received a 'postcard' from a company call Hunter Forrester & Co which are based in Worcestershire which says...…
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bank charges...and loan ..advice please
hi.. just a question that maybe someone could answere for us please... bacically we had our own business when finished 2 years ago we were in business for 5 years.. but do to the lease we could not opt out so had to stick with it.... that's why we are up to our eyeballs in debt ... first of all i did not know the extent of…
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75% of Debt Wiped off?
Hi guys, Whilst listening to the radio today I got the last bit of an advert. They said that due to new government legislation upto 75% of your debt can be wiped off and your interest frozen? Can somebody explain this please. Where's the catch etc? TIA Spikey
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Seriously considering selling up and renting
thread delted
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help, please; 21st birthday gift - DFW style
My daughter has been dating a lovely young man for a few months now and it's his 21st birthday in September. I'd like to give him something to mark the occasion but not only are we strapped for cash but I had decided to radically downsize birthday (and Christmas) gifts with family/friends this year and I don't feel it…
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Any advice is great - We have made a big decision - BANKRUPCY IS HERE....
Here goes, Right, My Partner and I have been chatting on here for a while and today after yet another surprise letter demanding money we have decided that our best and only option left is to claim Bankrupcy. We owned a pub that went bust, I wont go into the inns and outs but we were SH88T upon from a great height and were…
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mortgage help!
a couple of weeks ago (before going to guide camp for a week!) I decided to sell my flat and pay off all my debts. I was relieved and at ease. We found a property to buy by accident in early July - as soon as we walked into we loved it. Our offer was beaten so we thought we had lost it, but I've come home to have my…
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**Experian/credit score question**
If the debt is written off under the 6 year rule, does it still have an effect on your credit score? Experian never got back to me when I asked this. I had nearly £8000 written off under this rule and 1 CCJ for £178. I've just seen my online credit report and my score is 355 which is very poor. Is this just the score from…
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hello my name is laccal and i am in debt
Hi THIS IS MY FIRST POST, SO HERE GOES………. I HAVE BEEN STRUGGLING WITH FINANCES FOR ABOUT FOUR YEARS NOT WANTING TO ADMIT I HAVE ANY MONEY PROBS. I HAVE A GOOD JOB BUT THE PROBLEM WAS MY WIFE AND I ENJOYED GOOD HOLIDAYS AND A NICE LIFE. UNFORTUNATELY MY WIFE LEFT HER JOB ABOUT FOUR YEARS AGO. I LOOKED AFTER THE FINANCES…
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changed my mortgage payment date and its cost me £152 quid!
i changed my payment date to 10 days later this month due top being a bit strapped for cash and rather than it being returned and incurring charges i thought stuff it il move it, so thats all been sorted but i have to pay an extra £152 quid in % charges is tehre any way around this because its just going to skint me out…
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Any Info on "Link"
Anyone know of a "Debt Management Company" by the name of "LINK".. they seem to have "bought" on of my Debts":confused: any info would be helpful Many Thanks..:o
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My situation-Advice wanted
Hi, I have read this forum recently. I faced up to my growing debt two months a go. The story goes back 10 years. In 1995 after 2-years marriage my wife had our first child. Our daughter had some bad leaning and motivational skills problems and with no family to support us within 100 miles my wife gave up work. We lost…
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Standard Life 50 Day Notice Account
Hi All! I opened an account with Standard Life last year and ive kinda just left the money to accumulate (occasionally upping the amount i put in it, currently at £75 per month). Im not sure whether or not this is the right account for me, this site can be very thought provoking! Ive also started an ISA with First Direct,…
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Emily's Debt Diary
Hello everyone - yes I am still around. I was going to try and get a break from my debt clearing but I can't seem to switch off so I'm back!! :D The thing is that I think my 'clear a debt a month' idea has gone a bit stale and I seem to have grown a bit bored of the idea. It really did keep me motivated for six months and…
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The Benefits System..is it just me or...
Hello All I would just like to ask who else is at there wits end with there local job centre or benefits office. My partner and I recently came out of work due to redundany in April 2006. We have been suffering at the hands of our 'Beneifts System'. My partner has worked no stop since being a school leaver and it 29 now.…
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Saving money on the standby switch - any ideas?
Can I run a DFM stylee question past you wonderful people? I moved into a shared house about 4 months ago with two other people. I now pay a third of the electricity bill, which I'm happy to do. The problem is that the other two earn a lot more than me, so think I am being unreasonable in asking them to turn the TV off…
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My situation-Advice wanted
Hi, I have read this forum recently. I faced up to my growing debt two months a go. The story goes back 10 years. In 1995 after 2-years marriage my wife had our first child. Our daughter had some bad leaning and motivational skills problems and with no family to support us within 100 miles my wife gave up work. We lost…
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Will making this thread and bookmarking it help?
I lack financial discipline, I spend what I have till its gone then borrow until I get another chunk of my earnt money.. Im at the end of my 2nd year in Comp Sci, a bit of a late-starter at 22, living with parents to reduce my debt heres how it stands at the moment though : Year 1 : 3k Student loan, £100 Burtons shopping…
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Work donation demands help ......
In my place of work no one knows about my situation (i work in a finacial instatuion) When people leave they buy them a leaving present. as you know EVERY penny counts and thsi month 3 people have/are leaving and they want £5 per person for each person who is leaving. You dont need to einstien to work out that is £15. When…
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Previous purchases preLBM - are you (secretly)pleased you have it
Ok I feel a bit guilty putting this on but today I have been working on my dissertation and listening to my iPod and secretly so thankful I have it. I bought it last summer on my credit card :o 6 months before I addressed our debt and I would certainly not have bought it now. So is there anyone else like me with things…