Background to how I got into this mess:
Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...
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Help and advice for debt of over £80k+
Hello all I'm new to this forum and I'm really hoping you are all a friendly bunch who won't judge me too much
My husband and I have always been in debt for as long as we've been together, and we are at the point where we are just being crippled every month with high interest and fallen... -
Credit Cards - To close or not to close?!
Hi All
As part of my journey back from Bankruptcy, I have three Credit Cards:
Vanquis £4000 Limit
Aqua £4350 Limit
CapitalOne £1750 Limit
I've just come into some money and cleared all balance on those cards.
My credit rating is still... -
Credit Card Debts...Advice Please
Good Evening, I am posting on behalf of my daughter who is now in the middle of her financial settlement, and needing my support. Without going into the details, during her marriage she built up debt with three credit cards, all part of the marital problems at the time. However its reached a point now... -
I'M FREE
All now SB and Defaults gone.
This is a note to let those at the start of the journey and those en route know that there is an end to the misery. It is not pleasant or easy but it does end.
No fault and no blame, but a crisis left me in a real mess. I am now resigned to... -
Changing mortgage and DMP
Been a while since I have posted again!
Been on a DMP since 2009 and hubby was Bankrupt same year. Have also been on interest only mortgage since then with balance of £92/93K, property worth about £145K. We have wanted to start back on repayment mortgage for last couple of years but it's... -
Ditching My Gregory Pennington DMP! What Does it Entail?
Hi, I want to get out of my DMP with Gregory Pennington. I have 21k outstanding debts with 8 creditors. GP are charging me £90 per month of my £550 payment as their management fee and I've decided I'm not happy paying this any more after 3.5 years of paying it!!!!! So, how easy (or difficult) is it... -
Robinson Way
I have just been informed that Tesco have sold my loan to Robinson Way. I still owe Tesco 12k and have been paying a nominal £5 a month payment via a DMP for about 6 years. Tesco have stated that there should be no change in what I pay but am a little worried this company may file for a charging order... -
Loss-making RBS facing £1bn claim it destroyed small firms
Loss-making RBS facing £1bn claim it destroyed small firms
This is a duplicate of the Blog Entry made on: 26th April 2016 08:31
and stripped their assets...
Loss-making Royal Bank of Scotland could be facing a £1billion damages claim over allegations it destroyed small -
IVA failed but creditors gone from credit file
Hi all,
Im after some advice please. I had an iva back in 2007/2008. It failed and I have heard nothing from any of the creditors. My credit report has wiped all those creditors off as over 6 years ago but my IVA still remains on there. It says I owe £0. I called the Insolvency service... -
Been paying token payments for years: what are my options?
Hi All,
Please bear with me while I fill you in on my case.
I’ve been paying token payments to DCAs for 10 years, first by arrangement with them, then 5 years ago through a legal aid charity. Total debts: £40 across 7 debts.
The monthly token payments are... -
What do I do?
Hi guys, been recommended to join here and ask your advice so here goes....
I'm currently paying money for bills and credit cards each month with my last credit card seeing me through as I have no spare cash. Once that credit card is maxed out I have nothing so now's the time I need to... -
TV
Hi All
On advice from my other thread under DRO is this my best option I thought I should update a diary here as a may try the Unenforcable route if I can
Firstly I have two debts due to a divorce
Natwest CC £2050 ( Increasing by 30 pounds per month due to arrears)... -
Statutory demand, DCA or LBA?
One of our clients owes us a little over £1,000 for work carried out in July and August. He paid for May and June (all be they 4 weeks late each time). We have texts and emails where he keeps saying he will pay for July and August and lots of lame reasons why he hasn't yet. Then out of the blue he... -
Is this my best option
Hi all I have posted before about my financial situation and I have negotiated a payment plan of one pound for each creditor one for 12 months and the other for six months. I owe in total 18000. 16000 on a loan and 2000 on a credit card.
I have been offered work but as an apprentice for...
