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Found 7 results

  1. Hi all I am after some advice. I am currently on a DMP through Step Change and I have been paying £422 a month for about 3 months now. I am due to inherit some money so I want advice on paying the debts or ‘settling them’ as I have seen in previous posts. Full and final is what I have seen crop up a lot. The balances are as follows; £27,814.00 – Sainsburys Loan showing as ‘1 month late’ on my credit report £2,265.00 – Halifax Overdraft £2,028.13 – Halifax Credit Card £3,826.00 – MBNA Credit Card showing as ‘1 month late’ on my credit report I have seen posts abou
  2. At the beginning of last year, after my wife lost some disabilty benefits, we ended up getting into debt, mostly small but included a credit card just over £3k. My wife has since managed to get back on top with all but two, and I will shortly be in a position to clear most of mine, apart from the credit card. If I was to clear some of these debts by offering a settlement of (say) 50% and (say) offer a grand as settlement of the credit card would this be a detriment on my credit rating? We will be moving to private rented accommodation in September and want our credi
  3. Hi There I have followed a number of the threads on this forum, and hope you will forgive me posting this. I am just absolutely terrified about my current situation and the legal implications (if any). I would highly value any help members could provide. My situation: I was on a six figure salary with my previous employer who, a few days ago, informed me that they would be closing with immediate effect. Unfortunately, I have just gone and taken out a couple of loans (about five weeks ago) to help fund a new car and decorate my mum's house for her 80th birthday, and have accru
  4. Hi all, Just give you a quick run down of the operation of the local station and route to hopefully clear up any confusion before any advice can be given. Our local station is an unmanned station, as are all the stations on the branch line, apart from the two terminals, in this case Strood and Paddock Wood, and the middle main station being Maidstone West. All the stations have a machine placed at each entrance in which to purchase a Permit to Travel ticket which can then be exchanged for a travel ticket by either the issuing ticket office at Strood, Maidstone West or Paddock Wood,
  5. General question, all these debt help companies in the media saying how they will clear your debts, if you don' t have a mortgage what is in it for them.. Or do they cherry pick the best cases? Must make a profit somehow
  6. Hello to all, I was caught using my mobile phone whilst driving (bluetooth had not operated and answered a call) went through all the relevant questions and got a Fixed Penalty Notice, and a 'produce' ticket. I mislaid my Paper Licence, and went to local police Station, with other papers, and told them i had mislaid paper licence. Desk Sargent said don't do anything you will get a court date, The court date finally arrived, and i did not contest the Offence, just my explanation, to why i was using at that time. I didnt hear from the Court until a demand notice ca
  7. Having been given the opportunity of employment I have had the rug pulled from underneath my feet due to having an endorsement on my license which is due to expire in 5 months. The company i have the opportunity of employment with I worked for before and they put me through my class 2. My license has been clean for 5 months short of 11 years but the endorsement is still standing in my way of what I love doing - driving lorries. I wrote to the DVLA and explained the situation and asked if they could remove said endorsement off of the counter part of my license but keep the endorsement on fi
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