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Advice needed.
Basically I have been on a DMP for a while now and though it still has a way to go before it ends a lot of the defaults on my credit report are due to fall off in the next 9 months. This would then show only £3000 of debt on my file. I was hoping to try and settle this amount in the way of a full and... -
full and final offer advice needed
so wageday advance accepted my final offer but it looks like i will still have a bsalance, whats the best way to reply to this please?
From:
Sent: 04 November 2016 13:31
To:
Subject: FW:
Good Afternoon,
As per our the email response...Last edited by Pixie; 4 November 2016, 17:01. -
The business of debt.....
Hi all,I have just found this site,if only I had found it a few months ago!
I have not read the entire site and no doubt my question/comment has been asked and answered several times already........
Anyway, has anyone successfully argued at the small claims court that the debt... -
Spector UE Diary
Background
I have had severe financial problems since 2002/3 as a result first of being made redundant and then being swindled in business. Stress and health problems have exacerbated the situation.
I was left with lots of debt including a number of credit cards with... -
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... -
Best way forward to use windfall money to clear DMP debts
Hi all
We have been in a DMP since March last year. We started with £94k debt and that is currently down to about £84k. About £11k is potentially UE (I have a thread on another part of the forum about this).
So.....potential debt balance is £73k.
By September...Last edited by January2015; 9 March 2016, 05:42. -
Santander overdraft with first credit
I have an overdraft that was with Santander now with first credit think it's about 3.5 K I want to do a full and final on it what would you suggest I offer given that a large amount of this is deafalt payments and interest
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Oh and for some reason I can't... -
My Journey with DMP's CCA's and PPI's
Hi all!
My debt management journey.
Having stupidly tried to run a business and got into a lot of debt, I eventually gave up in 2015.
In the late 90's and early 00's I got quite a lot of credit cards and equipment leases. In the 00's it was mainly to help...Last edited by JLC; 12 February 2016, 19:50. -
Welcome to Jchrispin
Hi Jchrispin 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:-
We... -
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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Unenforceable?
I have an unregulated loan with Firstplus for £73,000 and got my PPI paid back to reduce my loan amount which gave me a couple of issues. Firstly, I never wanted it paid back to reduce my amount but I never had that option, secondly, I have only signed the loan agreement once so was it the loan I signed... -
Pre Action Protocol Letter Received!!!!
HELP
I've received the following email from a DCA
INTENDED LEGAL ACTION PRE-ACTION PROTOCOL
Date of Notice :08/10/2015
Agreement Number :PP
Dear TibetanMonk,
Outstanding Balance: £397.60
Intended Action:... -
Use of 'Without Prejudice' with a full and final offer?
Please feel free to sub if this should be elsewhere.
I understand 'Without Prejudice' on a letter means that the document cannot be used in court?
In the context of full and final settlement offers to creditors, I assume it protects the debtor from creditor claims of admission... -
Turned Worm's UE Diary
Type of account (credit card/loan): Unsecured personal loan
Date commenced: July 2000
Approx. balance: £2000
Date last paid (approximate date you last made a FULL payment): June 2002
Are you on arrangement or not paying: Agreed reduced/’token’... -
DIY DMP - Stick or Twist
Hi Folks,
Bit of background on my situation.
I am a gambling addict (although haven't gambled since the end of May) and have racked up debts circa £30k (listed below). Originally I contacted a DMP Service that you paid for. I had arranged them to come to my house for a meeting,...
