posted by on Dec 21
gangstaG asked:
I’m looking for the most reputable top knotch debt management company to go with to settle some debts from my younger years..I’ve heard stories though of people getting ripped off and scammed by these “so called companies” So can I ask out there anyone know a good company to go with?
I’m looking for the most reputable top knotch debt management company to go with to settle some debts from my younger years..I’ve heard stories though of people getting ripped off and scammed by these “so called companies” So can I ask out there anyone know a good company to go with?
posted by on Dec 21
PrettyGirl29 asked:
I have a personal loan with my bank which is very good. They won’t help me with anything else until I pay my loan down some and I’ve had it for nine months. I’ve got a few debts that I’d like to get paid off and combine into one monthly payment. I don’t know if any other bank will help me or not. My credit is really good and the only thing wrong is I’ve got high balances but the items are in good standing. If anyone knows who I can check with about consolidating my debt and getting those high balances paid off please let me know.
I have a personal loan with my bank which is very good. They won’t help me with anything else until I pay my loan down some and I’ve had it for nine months. I’ve got a few debts that I’d like to get paid off and combine into one monthly payment. I don’t know if any other bank will help me or not. My credit is really good and the only thing wrong is I’ve got high balances but the items are in good standing. If anyone knows who I can check with about consolidating my debt and getting those high balances paid off please let me know.
posted by on Dec 20
so_adorable21 asked:
I am trying to get my credit good by working through my debts one bill at a time. One of my accounts got sent ot Midland Credit Management. I spoke with one of the representatives trying to set up a payment schedule. She would not work with me on a 12 month plan. She would only go for 5 months on a higher amount. She then grew upset and pushy and informed me that they would be taking me to arbitration. I then tried to call the company back just to get a mailing address to send them a letter request verification that I have a legal obligation to them.
I am trying to get my credit good by working through my debts one bill at a time. One of my accounts got sent ot Midland Credit Management. I spoke with one of the representatives trying to set up a payment schedule. She would not work with me on a 12 month plan. She would only go for 5 months on a higher amount. She then grew upset and pushy and informed me that they would be taking me to arbitration. I then tried to call the company back just to get a mailing address to send them a letter request verification that I have a legal obligation to them.
posted by on Dec 18
HAZEL W asked:
difficulties.What are your views on both C.C.C.S. and The Citizens Advice Bureau?Are they any good?Is anyone with Payplan or Credit Action? Does anyone recommend bankcruptcy,rather than say debt management?or is it better to just stick to doing debt management even if it takes ten yrs or more to clear all your debts?I am a divorced single middle aged mum who cant work as i’m disabled,i’m on benefits,and the stress and pressure and worry about all my debts AND being behind on several household bills is just too much for me to cope with any longer.I’ve also got a contract phone thats a struggle to keep on top of.I’m only two months in to a 18 month contract.I only got a contract as i saw a mobile i liked but obviously could never afford to buy so the only way to get it was to take out a contract.I didnt expect this but my first bill was pro-rata and more than the £35 a month i was told,and it came in 10 days after taking out the contract.I thought it wouldnt come in for a month.
difficulties.What are your views on both C.C.C.S. and The Citizens Advice Bureau?Are they any good?Is anyone with Payplan or Credit Action? Does anyone recommend bankcruptcy,rather than say debt management?or is it better to just stick to doing debt management even if it takes ten yrs or more to clear all your debts?I am a divorced single middle aged mum who cant work as i’m disabled,i’m on benefits,and the stress and pressure and worry about all my debts AND being behind on several household bills is just too much for me to cope with any longer.I’ve also got a contract phone thats a struggle to keep on top of.I’m only two months in to a 18 month contract.I only got a contract as i saw a mobile i liked but obviously could never afford to buy so the only way to get it was to take out a contract.I didnt expect this but my first bill was pro-rata and more than the £35 a month i was told,and it came in 10 days after taking out the contract.I thought it wouldnt come in for a month.
posted by on Dec 17
TINKERBELL asked:
I am considering making myself bankrupt because I am pregnant and due to go on maternity leave anyday now so all I will be living on is maternity pay. I am currently on a debt management scheme where I pay 100 quid a month (all my debts rolled into one) but thats the lowest repayment I can do a month. I currently rent a house with my partner and we share a car which he pays the monthly fee (we had to take out a loan for the car but he pays it back to his parents - they paid the loan off) on that. All our money goes on each month is rent/council tax/water/electricity/gas/loan/debt management/car insurance/fuel/food/contents insurance etc. We have literally hardly any money left over and this is only gonna get worse when I go on maternity. We could do the easy option and get a council house but I dont wanna scrounge. Would it be easier for me to make myself bankrupt so that will be 100 quid less a month I will have to pay and that will come in handy for the baby?
I am considering making myself bankrupt because I am pregnant and due to go on maternity leave anyday now so all I will be living on is maternity pay. I am currently on a debt management scheme where I pay 100 quid a month (all my debts rolled into one) but thats the lowest repayment I can do a month. I currently rent a house with my partner and we share a car which he pays the monthly fee (we had to take out a loan for the car but he pays it back to his parents - they paid the loan off) on that. All our money goes on each month is rent/council tax/water/electricity/gas/loan/debt management/car insurance/fuel/food/contents insurance etc. We have literally hardly any money left over and this is only gonna get worse when I go on maternity. We could do the easy option and get a council house but I dont wanna scrounge. Would it be easier for me to make myself bankrupt so that will be 100 quid less a month I will have to pay and that will come in handy for the baby?
posted by on Dec 13
Jenn asked:
My husband and I are trying to straighten out our finances because we have a lot of debt (credit cards mostly) and we want to buy a house. Everyone tells us that getting a a debt consolidation loan will help because we can combine all of our debts into one monthly payment, but we kept getting turned down or offered a low amount because we have too much credit being used. What’s the point of a debt consolidation loan if your too much in debt?
My husband and I are trying to straighten out our finances because we have a lot of debt (credit cards mostly) and we want to buy a house. Everyone tells us that getting a a debt consolidation loan will help because we can combine all of our debts into one monthly payment, but we kept getting turned down or offered a low amount because we have too much credit being used. What’s the point of a debt consolidation loan if your too much in debt?
posted by on Dec 9
Shawn asked:
Ok, I contacted both Credit Management LP and Plaza Associates about a couple of small things that appeared on my credit report. I payed both companies, one by debit card and the other by Western Union. Both places told me that they would fax me proof that I payed the debt in full as I need it to show to my Credit Union in order to get a loan for a vehicle my wife and I wish to purchase. Well, the debts are pain in full, but both places are now saying that they do not provide faxes. Credit Management LP offers proof of payment if you pay for it on there website for cheap, but it does not seem right that one should have to pay for such proof. Plaza Associates has outright refused after saying that they would. Now, I will likely be alright with just showing my bank my copy of the Western Union receipt and a print out from the others site, but are they not required to provide a receipt in a certain amount of time and is it lawful to charge for a letter of payment. Just curious.
Ok, I contacted both Credit Management LP and Plaza Associates about a couple of small things that appeared on my credit report. I payed both companies, one by debit card and the other by Western Union. Both places told me that they would fax me proof that I payed the debt in full as I need it to show to my Credit Union in order to get a loan for a vehicle my wife and I wish to purchase. Well, the debts are pain in full, but both places are now saying that they do not provide faxes. Credit Management LP offers proof of payment if you pay for it on there website for cheap, but it does not seem right that one should have to pay for such proof. Plaza Associates has outright refused after saying that they would. Now, I will likely be alright with just showing my bank my copy of the Western Union receipt and a print out from the others site, but are they not required to provide a receipt in a certain amount of time and is it lawful to charge for a letter of payment. Just curious.
