Hi just a quick question, my bank says that my last direct debit for phone bill was 25/10/19 but on live chat to phone company they said it’s been due to be taken on the 28/10/19, if I was to cancel my direct debit today would the money still be taken from my account? Thanks 

Oh right no idea, just did what I had to do, I’m now stable so just going to leave it at that. Thanks and take care.

@Halpert87 Iv said this to myself aswell, iv definitely learned from my mistakes and once this is all over I won’t be making any more stupid mistakes in future and I can look forward to enjoying my life slightly better and have more money for myself each month x

@Halpert87 thank you and I will do, I’m only young so I panic and just try and get something sorted before checking all the details but iv read about Iva’s and they aren’t all negative and because I live in Scotland I’m only in a trust deed for 4 years (I think that’s correct) but I will keep you updated especially when it is all over and let you know my status x

I would continue to get advice from the other two people and not me as I have no expertise on it just wanted to let you know my story and where I’m at now

Ok no problem, I’m halfway through mine now so no going back just going to wait it out and see what happens.

Ok but some of us don’t know that and I was in too much worry not to do something about it and couldn’t chance the luck so hopefully everything works out but thanks for the input.

What do you mean

Ok thank you would never have found the correct area!

Hi,

I was in a bad situation nearly 2 years ago,

I had loads of debts and probably racked up about 18-20k,

didn’t know where to turn too

I ended up going down the Iva route etc and I am now in a protected trust deed for 2 years with 2 more to go and it has reduced my monthly bills by a big margin

my repayments to them aren’t extreme

I still have enough money left over each month,

after the 4 years are over then the rest of the debt gets cleared but will wait till the deadline and see what happens from there,

I know it’s not the best option to choose but I live in rented accommodation so I have no issues of anything being taken away etc and have never had anyone come to my door etc, hopefully you find a solution and things start getting easier for you x

Hi, I was just wondering if anyone on here has ever been in a trust deed? I’m currently about to finish year two and just wanted to know if anyone else is on one? Thanks 

The live chat says you can return the handset and they might offer deals to keep you with them and not change but il phone tomorrow and see what they say

Hi,

has anyone ever upgraded their phone with Vodafone and then decided to hand the device back during their 30 day cooling period?

If so do you know if they can offer you special deals for other phones?

I’m thinking of returning my iPhone 8 and getting an iPhone X,

thanks

Ok thanks, hopefully they can offer something similar and il be happy to Exchange if not il just keep the phone I have now

Hi, has anyone ever upgraded their phone on the Vodafone website and then a week or so later they would like to change it? Iv got the iPhone 8 but would like the iPhone X, I’m just wondering if anyone has done this by contacting the returns team and they offer some sort of exchange as in can they give me the new phone with a similar deal to what I’m paying just now and then return this phone once it’s set up and get the upfront cost refunded also? many thanks

Nah it’s over and done with now

No I just paid the balance off way before any of that happened just to be safe

I’m all clear since I paid it off, better to be safe than sorry and just survived on what money I had left over untill next payday

I paid it off and just made use of the money I had left over to keepmegoing

Yes paid PayPal, balance is now £0 and phoned them aswell just incase to confirm no letters were being sent etc, it never got as far as dca being involved

Hi update from me, I paid off the remaining balance in full to avoid hassle and feel 10x better about it

Ok thanks will ignore them and see what happens in next few months or so.

I know it’s legit because I deposited funds to my betting account even when I knew my bank was at £0, iv Just had a phone call from PayPal regarding negative balance and said because it’s been negative for 28 days now it’s a high risk it could be limited or passed on to dca, I just said I could make a payment of £10 and I won’t be able to pay it off untill January

Thanks for reply, yes I am still able to log in and pay and I can have it paid by the 5th of January! 2 payments of £145 and il be back to £0

Yes but with my luck atm I wouldn’t be surprised if it was less than one month and not 6, 6 would be nice as I would easily pay it off by then, so even if a letter from dca arrives saying we will be round to your door in a certain period of time do u still ignore it then?