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worried man

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Everything posted by worried man

  1. ,could you show me that letter again please sorry dx my head is muddled with this and i am worried, yes all credit took out after 2007
  2. MAYBE SOME the credit cards but not sure about jacamo jd williams premierman
  3. whats me duck ? and how do i manage my debts wothout a debt plan ? dx your a saint ta for your ongoing help
  4. oh i think i like help from stepchange etc so it cuts some of the hassle out thamkyou all for your advice etc just scared by it all
  5. thanks oldgirl what information do you need to send to stepchange all bank statements proof of income copies of bills i assume
  6. hi dx my credit score is 307 8 positives 3 negatives, but im sure that will change once i let jacamo jd williams premier man our situation i think i send them a token payment once they contact me as it costs 13p a minute or something daft to ring them and i am sure they just get very nasty. dreading talking to them all feeling very sad and worried about this whole thing wonder if i should carry on as i am till me overdraft goes bang or i do i have a heart condition not a happy bunny today scared vanquis will contact wife at work all the
  7. thankyou oldgirl did santander give you much hassle i assume they will add on charges all over the place
  8. not checked credit files yet looked at coop bank but i dont think we be able to do it as i think as there is a credit check and we have limited id im looking for a simple account at coop but cant see it
  9. its just i am surprised as its only in my name and she can have her wages paid into it thought we be in trouble with money laundering rules i nearly died last year so i worry and brain freezes so thats why i have bad grammar moments
  10. it has a preloaded card but you can do bank transfermdirect debits standing orders pay your wages into it etc its banking is done by natwest or is that processing so its not illegal for me to have my wifes wages paid into my account then
  11. you say your not happy with what i have i looked at link but dont really understand whats wrong with cahplus account so i know
  12. wow thats good its not a joint bank account its only in my name so my wife can pay her wages into my account never really knew that ! no debt with that bank no i assume not its a cashplus account aps financial thanks for your help can you pls let me know i am ok doing all the above
  13. my wife is going to give bank details to her boss its my bank account but i have been told she can have her wages paid into my account as her account is not done yet iassume thats ok as i asked someone at the bank if you can do that
  14. yes with original creditors but what about the santander overdraft £600 they will probably add charges on when i cant pay it back as we have a new bank account
  15. Thankyou dx1000uk for your help ! very much appreciated it was very constructive ! jcacamo 2012 jd williams 2013 premierman 2013 capital bank 2 cards 2014 santander overdraft 2013 vanquis 2016 im upto date to end feb but cannot keep going much longer as we not eating much etc £4700 sounds alot to me sorry bankfodder that i not good at english im trying harder this time
  16. i suffer from heart condition my wife had an op 18months ago and we are slowly getting in more debt as she was off sick for four months and just ssp i took out credit cards etc to keep us going now we are paying so much out each month two weeks ago i bought some shoes clothes for us both on a catalogue as we hardly had anything, we have a santander overdraft £600 which is nearly used 90 percent of the debts are in my name and just £500 in my wifes name keep wanting to sort things out but scared to do so my wife works i trying t
  17. id and credit check and some of the banks want me to give up the other account its a bit diffilcult when its overdrawn each month
  18. ok so i need to pay some money in each moth till i decide to cancel it ? i know i have to pay a handling charge but i set it up as a parachute account as im finding it diffilcult to open a simple bankaccount thank you cit b
  19. hi we have a cashplus card account we are trying to set up a simple bank account but not having much luck as we have very little id just bills and birthcertificate, we set up a cash plus account just in one of our names if we find a simple account how do we cancels cahplus prepaid account as it says you can ring them , i dont understand when we have to pay the fee each month ? or if i block the card will i still need to pay the fee any advice be helpful and in advance thankyou for your time
  20. i look into a doing parachute account we just keeping our head above water but just but april we wont have tax credits due to us just being over threshold
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