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Hi Guys

Sorry Ive been meaning to get to this but have just not had the time. I am looking for some help on some debts that i have, things are getting out of hand and i feel i can no longer manage them. I was looking at a DMP but one of the other guys on here said to set up a thread before i go down that route. I'll start off by listing the debts i have and with who and then see what you think.

 

Creditors:

Aqua Credit Card: 475 (25 in arrears)

Barclaycard: 450

Capital One card: 450

DRS Ardent Credit: 375

Lending stream: 847

LLoyds Credit Card: 1200

LLoyds Overdraft: 1200

Lowell Financial: 3371

On Stride Financial: 1154 (this is increasing)

Satsuma: 1033 (also increasing)

Sunny: 403

Vanquis: 1100

Mr Lender: 1000

Moneybox: 200

SafetyNet: 750

 

Even typing this out makes me feel worse

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For all the pdl's start a thread in the pdl forum and investigate some irresponsible lending claims

 

As for the others

Are they still with the original creditors or with dca's?

How much

When taken out

Ar

Defaulted date from credit file


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Oh and i forgot to mention that i have outstanding amounts with First-Utility & Southern water of 750 & 300 respectively.

 

I should really chronicle what first utility did to me, they tried to [problem] me out of 1200 but thats a story for another day

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Creditors:

Aqua Credit Card: 475 (25 in arrears) ---- Credit Card Still active

 

Barclaycard: 450 ------ Credit Card Still Active

 

Capital One card: 450------ Credit Card Still Active

 

 

LLoyds Credit Card: 1200 - ------- Still Active

 

LLoyds Overdraft: 1200 ------ Still Active

 

Vanquis: 1100------- Active Card

Edited by dx100uk
Spacing

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Off the main forum tab top left


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you considered a Debt relief order?

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Ive removed all the pdl's from your list

 

Are these others left all still with the OC's


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you considered a Debt relief order?

 

Why does he need a millstone around his neck?

 

90% are pdls probably subject to irresponsible lending claims

 

And i bet all bar the OD are the same too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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owned and active

 

pers id be writing to each of those left in the list above

 

there is a pro rata offer letter in the debt collection section of our library.

 

no need for anything else

they should/must HELP you

 

as for the PDL i'd be sending an irresponsible lending claim to each one

the details of wha to do are in the guide on the PDF forum homepage


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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