Hi, i am struggling financially at the moment and have written to my creditors offering reduced payments and supplying a budget sheet. Citifinancial (with whom i have a personal loan with) have told me they cannot accept reduced payments unless it is at least half of what my normal monthly payment would be. This is still a bit too much for me ...

Hi, if I sign up for a debt management plan, what happens to my car that i have on finance? Assuming the finance company will want their car back, is it's current value deducted from what i owe on it? Any answers gratefully received. Thanks.

Hi there, Have purchased a car within the last month. As far as i was concerned my new finance company were going to settle the amout owed by my old finance company for the outstanding on my old car. This evening i have just checked my credit file and found my old finance company have given me a late mark. Clearly i'm not feeling too ...

Hi, thanks for the reply. Took your advice and just did a search on these people. WOW!! Looks like they try it on left right and centre! Will be writing a letter to both bc+wells and provident demanding proof that i owe them this money. Thanks once again.

Back in the summer of 2004 i was going through a particularly hard time money wise and was forced to take a loan out from Provident Personal Credit. The loan was for £500 and it was collected on a weekly basis until paid for in full around summer / autumn 2005. Where' s the problem you ask? Today, totally out of the blue, i received ...

I have been paying £15.00 per month to RBS Bradford through a standing order for what seem forever and a day. The thing is, the debt is so old I don't know what it is for anymore and can't lay my hands on any paperwork regarding it! I would like to contact them to get a settlement balance, but have no idea who to contact. Am just ...

Just under 2 years ago I bought a car through Creditplus. Excellent car, very helpful etc etc. Today I called Creditplus as i am interested in changing cars. I simpy wanted to know if they would take the car i have now back and supply me with another without the process of having to hand my car back and redo all the finance etc. It was a simple ...

  Would love to go for my first mortgage, only thing is i have a low credit score.  I do not currently have any ccj's or defaults, just some late payments going back years which still appear on my credit file. Do i need to apply for an adverse credit mortgage or try for normal first time buyer?

I phoned Citi up today and informed them I wouldn't take up their offer, and they immediately knocked £50.00 a month off the repayments!

I sent my voucher to the Halifax ( purely because I hold a couple of accounts there myself, thought it would be easier to have everything in one place) It has been invested in the Halifax FTSE 100 Index Tracking Fund and last year it made a whopping £32.90! Maybe I should have shopped around a bit more!