Thank you to anybody who can give me some advice as this problem keeps going around in my head!!!

Basically I have been with Payplan for 5 years paying what we can afford every month. Debt was originally about £45,000 with 14 creditors. We decided to sell our house this year as it would...

I am a newbie posting for the first time.
My OH has been paying 6 unsecured debts via pay plan for the last 7 years.
We've reduced the debt from £26k down to £7k.
However we offered a f&f of 40% to all creditors.
To our surprise the settlement figures had added charges...

Is it me? Since I came back here a few days ago there seems to be a lot less daily traffic in the various forums particularly the debt forums than there used to be.

Is it the hot weather?
Time of year?
Has the law changed dramatically?
We have had more success?
...

Following the recent Court of Appeal decision in the case of Roberts v Bank of Scotland there are some key points that creditors should take away from the decision.
The outcome of this case is likely to have ramifications for creditors who are attempting to contact their customers in relation...

Hi all, newbie here and need a little advice.

I have x2 credit cards which I have now defaulted on for the past 3 months due to the fact I can no longer afford the payments. I have had my head in the sand and ignored the phone calls. Today I received the letter from power2contact asking...

The main aim here is my parents who are suffering from ill-health have some previous credit card debt. My Dad suffered a major heart attack after a life in the building trade and finds most simple ventures out of the house difficult - though the spirit is still there!

The plan is that I've...

Hi,

I have read the info on here regarding 1st Credit and HBOS accounts, but just wanted to check what my next move should be.

I had a Halifax credit card, taken out in late 2000. After falling behind with payments and failing to get any assistance from Halifax, I received...

Right i tried the nicely nice approach to PDLs i owe and for two months have got nowhere at all! So i am switching to Niddys PDL Templates (the living in car ones! ) and thought it would be good to create a topic seeing how we get on. Something tells me this topic could run for a year or two, in...

Co-op Bank to close 37 branches and lose Britannia name

The Co-operative has become the latest bank to announced a programme of branch closures. It also confirmed the Britannia name will disappear from the high street.

http://www.telegraph.co.uk/finance/personalfinance/...

Hi all

Sorting a few financial things out and I have come across a barclaycard statement I knew I had but had totally forgotten about (the a/c has a balance of 4K and is seriously overdue, statement date Feb 2012) it has an income vs expendiute sheet with it as well so must I have contacted...

Hi all, I'm new here although used to read Niddy's threads on the green top all the time.

I am in a DMP since 2010 when the cash finally ran out and most creditors defaulted me. Longer term plan is to come up with F+F in the next couple years and finally get out of this debt hole I have...

Hi CAPS ESC and welcome. I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and Guidelines
• User Help Guides
• To all the Newbies

We don't bite, help will be on its way, whatever your circumstances....

Hello all,

As the title says, time to get a grip on everything.
Have spent the last few hours reading up on all the stuff here, from Unenforceability, Defaults and all the template letters, which are fabulous.
But, my head is booming now.....
In a nutshell, it may be...

Ok am sure many are thinking the same question but not willing to put their hands up so I will.

A sudden flurry of being referred to Pauls blog which is a good read.

However the very first thing that comes to mind and there will be a simple explanation to it I am sure is...

Hi all,
I am looking for advice, I have so much debts I don’t know what to do. I have been paying them for years but I could not manage more than the minimum so I could never pay them off. Some of them very old, last month I have sent for SAR to see if there are charges I can claim, and...