-
Should I sell up to settle CCs?
I owe around 25k on CC's and have around the same amount of equity in my house, which I'm currently letting. The rent I'm getting in doesn't even cover the mortgage and council tax - I am out over £100 a month on these. I'll also have a tax bill for around 3k coming in at the end of the year and to cap that off I have a…
-
old debt come back to haunt
i really need some advice re an old debt with the in home course company ICS . the basics are back in 1996 i signed up to do a course from home i beleive the course was £358 in all anyway after a couple of months we moved house and this course was forgotten in the excitment of things, anyway after another couple of months…
-
boost credit rating
any tips to boost credit rating?
-
Will I lose my cards?
Hi, newbie here, be gentle with me :) I dont want to bore anyone with the ins and outs, but I have a question and I cannot find the answer anywhere on the internet or on MSE.com, although perhaps the answer is obvious, I would still like to ask I have contacted the CCCS to help with a pretty substantial amount of debt. My…
-
Does anyone know?
As mentioned in my previous post, we are approx £30k in debt and pay about £5 a month to eahc (except on which is for £11k where we pay £10 per month) - the total amount of £30k is including all of the creditors who have not responded to our requests 2yrs ago to write off our debts. (We currently pay out about £120 a month…
-
Phone Hassle
I am having problems with Halifax Credit card company. I have informed them that i have a CCCS ref. no and they are sorting everything out for me. They insist on phoning me every 7 days to ask for full payment which they know i cant give them but i have also asked them repeatedly not to phone me and to contact me by…
-
Need help with a short term debt.
I currently have an overdraft of £1500 and a credit card debt of nearly £2500. I have been waiting 18 months for an inheritance which will sort out all the debts. At the moment the interest is 0% on the credit card (Citibank) which runs out in 2 months. I also have a CapitalOne card (£1000 limit) and a Barclaycard (£2100…
-
Not sure what to do...
I know some of you will think I'm mad... my problem isn't so much getting out of debt, but making a decision that will create a debt albeit pretty small. So heres my dilemma (part of mind saying just do it/other part saying no not yet). Only have a mortgage for a debt less than 40% LTV, wife's nice car paid for and my old…
-
Credit rating v. reducing monthly repayments with CC companies
Apologies if this question has been asked but I didn't quite know how to search for it specifically. I have been seriously ill with cancer for last two years and am finally in remission. I have struggled during this time to keep up my minimum payments on my credit cards (now standing at just under £23K) by making monthly…
-
Clearing Outstanding Debt Help, Please
Hi all im a newbie here, i think this forum is exceelent and i have learned so much over the past week or so, but now i am looking for some advice about the situation i am in with regards to clearing an outsnding debt i have. The debt i have is £5421.40, i have been paying this debt off at £5 a week since september 2003,…
-
To Repay in full, or by instalments?
Hi, I currently have 19 payments to make on an Egg loan, with a total balance of £3552 outstanding, which I pay back at 190 / month. Most advice is that I should clear the debt before begining to invest, however it seems to offer little in the way of saving. Last settlement figure was £3,551.97 if paid in full. If I keep…
-
Anyone ever had a succesful Final Offer letter?
Hi My situation is well documented on another thread - but to get the basics here it is: Original Debt - £48,000 Current Balance - £44,000 Now this current balance does not take into acct any interest or fees (provided by the CCCS) and comes in my monthly statement with my DMP. I want to write to the creditors and ask will…
-
PPI, won't let me cancel it!
Hi folks, I have an unsecured personal loan with Halifax. I took out the loan in Feb 02 and have been paying about £190 per month since. Since discovering this site I have been trawling through all my debts and I have found out approx £27 of the £190 is PPI. I phoned Halifax Insurance in Ireland (damn 0845 number) and was…
-
Consolidate unsecued debts with mortgage?
We're behind with payments on 4 out of 6 credit cards and 2 unsecured loans. Our mortgage is with Abbey and they will consolidate our debts and redo our mortgage for us (capped rate of 6.5% atm). Should we do this? Or should we just remortgage and write to our creditors to freeze interest and pay off what we can each…
-
Unknown address link in Credit report
I have just bitten the bullet and have got a free online credit report for me (aarrgghhhhhh) from a free online 30-day trial..for Experian.... A few surprises......not good ones .....but my main concern is that apparently the Bank of Scot,land have linked me to a different address from my home address.....I have never…
-
Need Help Understanding Equifax Report
..........
-
credit rating
i wanted to apply for my equifax credit report and i thought this could be done for £2, but it is coming up as £11.75 or £8.25, does anyone know a way to get it cheaper? sorry if this should be on another board as i was unsure which to post it on
-
Downsizing - had enough of travelling
Hello all, Despite lurking around the forums for a few months, I have decided that I need to take my moneysaving research a step further and actually start to post. I'm looking for some advice on a big life change... My situation: My husband (of 6 months!) and I are both in the Armed Forces and so for obvious reasons…
-
Will I lose the house?
Hi everyone, Been watching for a while, amazed by the number of good people out there prepared to help others. I have a £70K mortgage with Halifax (to finish 2017) Had to stop working 1 year ago (stress related depression) Wife PT only (2 young kids) Halifax took nil payment May - Oct 2004, then £300/month since. Sold both…
-
Trust Deed Help Please
Hi Everyone I have finally taken the first step to sorting my finances out , so cut a long story short an ex partner left me with alot of debt which unfortunalty was all in my name, this was 2 years ago and i have struggled on . I bought a new house in December 04 and thought things were looking up although i now realise i…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
1.2K discussions
404.8K comments
Most recent: Payment a Day - Chapter 2025 by angelicious
Today at 9:04AM
