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mbna round for tea?
hi all, i've been on a dmp for about 6 months now sending out letters from national debtline. creditors have agreed to temporary arrangements with reviews thereafter, except mbna, who have'nt formally accepted my offer but have cashed my pro rata cheques nonetheless. during this time they've been continuing to add interest…
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car insurance when bankrupt
hi can any one tell me if you can still get car insarance on monthly installments when bankrupt and what companys they are i have posted this on the insaurace page as well but there is more people here than over there at the min or has any one had problems getten their car insaured at all while bankrupt thanks
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End of Month Reckoning\Achievements
Well, I know it's not quite the end of the month, but I'm feeling quite proud of myself. :D I logged in on this board on the 13th June, feeling pretty damn hopeless. However, with the good advice from here I have : 1) Managed to sort out a proper budget, and DFD. :cool: 2) Managed to reduce my shopping from 80+ quid a week…
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Being on the CCJ register SUCKS!
Arrggghhh...I'm being a good girl, and really working hard to clear my debt...however I have 2 CCJs from 'before the light' :rolleyes: But because I'm on the register, I get sent lots of lovely junk mail, for loans etc. My favourite so far has been a £100 - £500 loan for the bargain basement price of 177%APR :eek: :eek:…
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My SOA
Hello, i posted earlier today and thanks for the ammediate and reasuring response. As advised i have compiled my SOA in hope of any further advise to my seemly endless debt. Just a little info about me as i feel its the least i can offer when recieving such invaluable help. My name is Neil i'm 28, i run a small business…
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Is It Any Wonder I'm In Debt?
Just been having a look through my credit report! :eek: OK, since I was 18 I have had; 6 loans 15 credit cards 3 hire purchase agreements 3 mail order accounts Oops! :o
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Quick Question...
Ok, Im thinking of consilidating my debt to an egg loan. Now for £6000 @ 7.9% = £6,985.92 payable back. Now 1k seems alot in Interest to me. But, how would I work out What I'm paying in interest at the minute? So i can see if it's worth the consilidation loan or not.
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New Quidco Blog
Just thought I'd tell everyone who's interested in Quidco or having trouble with the site that I've started a new blog to help. Sorry if this is in the wrong place in the forum! If i get enough interest I'l try to update the blog more often. http://quidco211.blogspot.com/ Thanks, .ice211.
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-42k
hello, i posted a while back when i was £50,000 in debt. i'm still not much better off. i have a egg loan for 30,000 a cahoot loan for 12,000 a abbey card for 4000 and a virgin card for 1800. i'm paying 0% interest on the cards and the loan apr's are 6.9%? with egg and 5.1%? with cahoot. I have stretched them over the…
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Need to get a grip
My wife and i have just purchased our 1st home so i decided it would be a good idea to get a grip on my finances and this is how they stand Capital one Credit card £3,166.74 @ 3.94% £272.90 per month in total £996.82 @ 13.21% included in above repayment £4,839.18 @ 19.89% included in above repayment Egg Credit Card…
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progressive financial services
Hi everyone I recently joined experian and equifax to see what state my credit file was in.. My experian was not too bad- any problems on it are now settled but the equifax one is showing as having a defaulted account for progressive financial services for £991 Progressive Financial Services Ltd (I) / XXXXXX Loan 12 @ £ 62…
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Action Plan - what do you think??
Hey guys, Today I decided to try and physically sort some stuff out rather than just talk about it. So I think I got some where with some places like MBNA (woohoo!!) I hit brick walls with Egg (Boohiss!!!) Anyway after some phone calls I think I have a plan of action, please tell me if what I am doing is a good idea or bad…
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My F&F cheque has been cashed.
We sent a cheque in Full and Final Settlement in the sum of 12p in the £. (£400) To the debt collection agency, for a debt we've had for over 3.5 years. They cashed my cheque on 7th December. We received a letter also dated 7th December saying "further to your recent enquiry we are willing to accept £2761 as short…
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A little guidance please?
Hello, I have been lurking around this board for a considerable time now and wondered if anyone could please point me in the right direction.:confused: I/we currently owe the following: £2880 Northern Rock loan 6.9% until Aug 09. This is a flexible loan with min repayments of £69.00 First payment is due in Aug 06. If I…
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so angry with HSBC
they have charged me £50 this month for going over my overdraft twice. the only reason this happened was because i am transferring my account to first direct (to get the free £50 - wasnt really worth it, hey?!) and my direct debits are a bit all over the place. as soon as i realised i was over my limit, i transferred money…
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Quick Snowballing Question..
Hi All Just a quick question that I would appreciate your opinions on. Now I've cleared off the cc I can afford to throw about another few pounds a month at debt repayments. They are as follows: Tesco Loan 6.8% APR total balance remaining £2940 Mortgage approx 5.8% APR off the top of my head remaining just shy of £76500.…
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Sending my letters off today ...
As the title suggests, sending the pro-rata letters off to each creditor - fingers crossed they accept it though I'm well prepared for them to say no. What has been other people's experience of how long they take to respond?
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Student Loan Company debt
My girlfriend has a student loan of about £4600 and is currently, and for the short term future at least signed off on incapacity benefit. We're in the process of moving her £1100 HSBC overdraft onto a 0% Abbey credit card but were wondering if theres any better way of managing the student loan? Is there any way they might…
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Scary Stuff!
We're clearly not spreading the MSE word! :eek: http://www.creditaction.org.uk/debtstats.htm
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Credit File advice
Hi All, I'm currently trying to get our finances in order and making good progress to clear a number of debts etc. My credit rating/file though is not good and I'm trying to rectify. I understand I can add a note to my file which I intend to do to a default notice - now paid. I have another account in default - still…