Hi. Im new here and looking for some help.
A bit of background info:
I was in debt for a good few years starting about 8 years ago. Eventually cleared it up via a DMP 3 ish years ago. My credit score was destroyed then and still hasnt recovered but is very slowly creeping...
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Debt/income expenditure form
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EmptyPurse Diary
Background Post
I have 3 creditor accounts in default. Last payment made was April 2014 to the original creditors not DCA- which defaulted in Oct / Nov 14
Egg/ Barclaycard / now Hoist from 2002 Balance 6.5k
Natwest OD account opened in 1992 -approx. Balance 3.5k... -
time to sort this mess out
Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.
my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats... -
EU referendum: Cameron announces date of vote
The prime minister made his historic statement in Downing Street after briefing the cabinet on his EU reform deal.
He said he had told ministers he will recommend remaining in a reformed EU.
More ---> http://www.bbc.co.uk/news/uk-politics-35621079 -
Bad Broker Advice
I took out a secured loan of £23500 on a variable rate via a broker in December 2006.After a few years of the interest rates rising subsequently so did my payments, which is understandable. However after numerous interest rate reductions my payments have never been reduced by as little as 1p.
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Tesco loan, nominal payments made not being acknowledged
PERSONAL UNSECURED LOAN
COMMENCED NOV 2010
BALANCE £1695
LAST FULL PAYMENT FEB 2015
AGREED INTERIM NOMINAL PAYMENTS £1pm FOR NOV, DEC 2015, JAN 2016.
PAYMENT OF £3 MADE IN NOV 2015 to cover 3x £1 PAYMENTS
ACCOUNT DEFAULTED MAY 2015
12 May... -
Lending stream and sunny
Hi, i have 6 loans with lending stream and 3 with sunny all due out on the 27th November and I just can't keep up with the repayments without having to borrow again. If I default will they just keep adding interest?? How can I set up an affordable repayment plan with both and can I get them to freeze... -
Barclays closing account after requesting they temporarily freeze charges
Hi all,
Can you offer some advice on this situation?
My wife has 2 accounts 1 barclays current (£300 od) and 1 barclaycard (£3,0000. She was made unemployed a few months ago so we wrote to Barclays to say she is unemployed and couldn't meet her repayments at the moment. ... -
Arrow Global (Shoosmiths) v Atieno (Scotland)
Hey guys and girls,
Sorry if im posting in the wrong place, abit confused as to where to put this, but im a bit lost on this issue at the mo.
Firstly I should start with, I live in Scotland. I have a student overdraft standing at £1,800 from 2010. (date of default on account... -
Lending Stream
I am a new member and would like to thank anyone who takes the time to read my message, any advice and guidance will be very much appreciated.
I am hoping that you can offer me some guidance.
Firstly I am in full time employment, however over the past few months I have... -
Old debt and restriction on property
Ok, I am hoping some of the clever people on here will be able to give me some guidance on this!
In 2000, I was starting a new job and with a lower salary for the first 2 years was struggling. My bank (Lloyds) offered me two things, a loan of £4000 and a credit card with a limit of £3000... -
A Few Loans With Swift Sterling
AKA, Christ, I've done it again
Hi folks.
I've come back to the forums for a bit of help, as you helped me greatly with a similar problem last year.
I have a total of four loans with Swift Sterling, all of which are due to be paid back on September 26th. They... -
Nearly there
Hi there, this is my first post and I'm hoping someone can help.
My wife and I have a large amount of debt across various credit cards and in May we wrote to our creditors with a DMP. The majority accepted our proposals within a few weeks and suspended interest, however one company...Last edited by Digby; 3 September 2014, 09:31. -
Dadof2's Diary
This is in respect of a Barclaycard account with a balance of approximately £9000. The account was originally opened in April 2010, (with Egg, whom Barclays took over in 2011.) In February 2014, I entered into a repayment plan with Barclaycard to pay off the balance at a rate of £200/mth in return... -
1997 Loan , Is it enforcable?
Hi All,
New to the site and I hope someone can help. I took out a loan in 1997 for 10k, In 1998 i got into financial difficulties and i have been making reduced payments ever since, The creditor refuses to freeze interest & the current balance is over 11k.
I have a copy...