 The credit card company made a mistake and made my balance $0. Do you think they'll catch it? |
Last month, my balance was $701.27. I made a $100 online payment. Now they say I have a zero balance. Pretty cool, huh?
Additional Details
Stuart- How did I commit a crime here? I made ... |
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 Can applying for a credit card improve my bad credit and increase my score? |
| I have history of bad credit, but over the past 4 years I've improved greatly. What can I do to improve my credit rating and score?... |
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 Credit Score In Toilet But No Negative Information? |
| Just got new mortgage on house. Credit score in May was high 680 (not great ut not horrible). Went online to check score last week and now at 560!! No negative credit information whatsoever. No ... |
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 I just used my credit card for the first time, I want to pay the $200 of at once but people say i shouldn't? |
They're telling me it builds credit if I pay montly and on time. My question is, as long as it gets paid, who cares? Should I pay monthly or what?
Additional Details
I just don'... |
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 Is it true that bad credit scores can keep you from gettting a job? |
| There's a credit score commercial and they said that bad credit scores keeps you from getting a job. What in the world? That's like discrimination of some sort. How do you improve your ... |
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 Is it true that credit cards were rare 30 years ago? |
Were credit cards as common in the past as they are today?
If not, how was anyone able to buy anything?
Looking on the boards, there's a lot of 16-20 year olds looking to &... |
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 If I die and have a large credit card debt, is any of my family responsible for the debt? |
Just wondering what happens when credit card debt gets out of control with elderly people and they pass away. Who assumes the loss???
Additional Details
I live in Texas.... |
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 How do you get a credit card to build credit, when you have to have credit to get a credit card? |
| I need to build my credit so i was going to get a credit card but in order to get a credit card you need credit so how can i get a credit card to buld my credit because i have no credit at ... |
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 Free credit report? |
I want to go online for a free credit report, but do not want a free trial, do not want to use a credit card. please can someone help me.
... |
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 Should i tell my girlfriend how much money i have in bank? |
| We been togther for 3 months and i have 40,ooo in the bank should i keep it confidental or should i tell her? The whole time i been with her she gets the impression i'm a hard blue collar worker ... |
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 How do i get a free copy of my credit report? |
| i want to do this without using a credit card and a free trial.... |
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 I am 18 and I think I am ready for my first credit card? |
| Any tips on what type of card to get or where to look for one?... |
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 Am I the only person living pay check to pay check? |
| Honestly, it seems like no matter how much money I make I can never catch up on my bills and my debt just keeps getting bigger with each passing day! I have tried a financial advisor but 1) i have to ... |
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 URGENT PLEASE READ Natwest Scam!!!!? |
| there is a scam just been sent to my email, it looks like its from Natwest it asks you to login using your detals including your card details and pin. I am a computer engineer and urge anyone that ... |
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 Hello. Anyone good with credit card debt? Help!? |
| I have $31,000 in credit card debt. I have five cards, but the two with the highest balances are 11k @ 29% and 17k @ 25 and 3k @29 %. I have $8000 to pay twoards my cards, but I don't know ... |
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 I need a credit card? |
| I am looking to get a credit card. Never had one. I would like to have only1. Does anybody know where I can sign up to get a card without a lot of hassle?... |
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Kesh | Can some one please help me with finance advice? |
I have a mortgage of £137500 and a secure loan of £40,000 also I do have small loans and credit cards costing me about £700 a month. My job has gone and I do not have enough money. I have been paying mortgage and loans so far from money from my other credit cards. My current property value is not morethen £175,000. I dont want to be bankcrupt. I dont even have money to eat. Cant sell the house, What should I do? How can I save myself? Are there any charities which can buy my home and save me from bankcrupsy? Since I lost my job I have been doing some small jobs which can not meet the required finances. I couldnt get no success so far in any interview which belongs to my field. I have tried everything from distributing morning papers to handing out leaflets. It is being hard day by day. |
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Perkins
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You must write to your mortgage company and loans companies and explain your situation - They should be sympathetic and maybe give you a holiday from making payments for a few months.
Check your small print - You may be insured against redundancy or otherwise be protected against being out of work.
And make sure you are claiming your entitlements in respect of jobseekers allowance. |
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James M
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Talk to your mortgage lender first of all and explain the situation, most will be willing to help you if you keep the lines of communication open.
The secured loan is the worry, if that's through your mortgage lender, then it may be ok, if a separate lender, then they will come after your property, but again, still talk to them, its a costly exercise for them to do it so they will want to negotiate a way forward with you.
as for the unsecured lenders... leave them until last and pay what you can toward them.
You could try renting the house out and move in with family or friends until you are back on your feet, the rent should take care of the mortgage and loan and may even provide you a bit more of an income too.
Just don't bury your head in the sand... keeping communication open with your lenders will help you in the long run. |
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Martin14th
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Get yourself down to your mortgage provider as soon as possible, explain the situation. You may be able to take a payment break.
The secured loan needs to be dealt with in the same way.
ANy other unsecured debts can be dealt with by letter, but you must not bury your head in the sand and hope this will go away.
Have a look at www.moneysupermarket.com to see lots of ways of saving money.
Do you have a spare room you could rent out? |
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Buzz s
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The laws regarding these things are different on your side of the pond.
In general, meet with your creditors and explain what is going on and how you plan to meet the obligations. If you can get things restructured, that is a wonderful place to start. Nobody wants to kick you out of your house. |
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kittykat
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here are companies advertising in the national press which buy your house in 7 days and let you rent it back without moving - thought about these? |
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Jane S
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check the small print on your mortgage you may be protected by insurance when out of work. Take advice from the CAB they will help with any letters you need to write to your creditors and may be able to negotiate payments you can afford ....................... good luck |
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gum s
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Dont opt for bankruptcy:
How to Avoid Bankruptcy Explained
http://www.debt-explained.com/category/How-to-Avoid-Bankruptcy-Explained.html |
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alismudge
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Speak to housing benefit first. they can help you with your costs towards your mortgage.
Sign on. If you were sacked or made redundant you can apply for jobseekers allowance.
If you are desperate do you have any items that you can sell to tie you over. If you have a roof over your head that is the main thing. If you have a car, furniture, electrical you can sell them or take them to a cash converter or pawn shop on a buy back basis. Remember the main thing you need is the house. .If worst comes to the worst rent out the house and live in a bedsit. what you charge them will cover the mortgage and they will pay your council tax |
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DANIELL MORRISEY
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Check out Martin Lewis' website for some good decent advice on saving money
http://www.moneysavingexpert.com/ |
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BE QUICK!
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decrease your "needs" |
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spacy moonbeam
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Going bankrupt isnt as bad as it used to be. Many people have their homes repossed and actually rid themselves of debt.
first, see if there isnt another mortgage deal out there that can lower your monthly expenses. then sell all this stuff youve been buying on credit cards and cut them up. Can you get a lodger? give them your bedroom and sleep in the broom cupboard. Look in the yellow pages and get a debt advisor, Dont go for consolidation until you have done your sums or you will be worse off and still lose your home. And good luck! |
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tracy
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when you took out yout mortgage and credit cards you should also have been given gap insurance.
This type of insurance pays your outstanding debts if you happen to loose your job |
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Steph j
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You need to get some debt advice asap.
Go to Citizens Advice they will help you for free and go to the benefits agency and claim benefit whilst you are looking for work. |
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plax
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I have been through a similiar thing, I lost a good job almost before the ink had dried on the finalisation of the purchase of a house with a big mortgage, fortunately I hadn't moved into it yet , so put it on the rental market and moved back in with the parents until I could find my feet. I was devastated as I saw all my dreams going down the tubes along with my savings, I had to sell my car, to keep going as I battled to stay afloat, I was out of work for a year, and had to move away to secure a new position in rented accomodation. I also failed to sell my house as I got the feeling people saw me as a soft target in my situation and put in ridiculiously low offers in the hope of a bargain, and I just couldn't let in to that so stuck it out.Turned my life completely upside down. Im crawling back to some sort of normality slowly. So I understand the feelings and desperation.
These are times when family are important and if you can't afford to rent your house, try to get a lodger or two if you have the space
to help with the mortgage. Your confidence is probably also at a low but you just have to kick yourself and get your CV out there and pick up the phone and talk to agencies and the like, everyday you have to do this, any progress will improve your confidence in this tough time. |
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confused
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why cant you sell your house? if a charity is prepared to buy it then someone else will....
As for helping yourself.. why not seek alternative empolyment short term in a slightly different field rather than looking for something in the field of work you do which is hard to find.
There are many temping agencies out there that will find you work but you need to go and register with them..
You dont get hand outs in this life without trying to help youself first. |
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scallywag
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I sympathise with you. I'd suggest you contact the citizens advice bureau or the national debtline or the consumer counselling credit service. All these people are used to dealing with people in similar situations and their professional. Best of all, their services are free and tailored to your own specific situation! |
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tracy w
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Your Citizens Advice Bureau will be able to advise you on how to manage your debts. Please stop using credit cards to service your exising loans, and do not be tempted to take any more loans. I'm sure that you could sell your house - it can't be unsaleable if it is worth £175000, but that should be a last resort. Have you thought of taking in a lodger, and looking for work outside your field? Please do something to get help now, before you get into more debt. |
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di
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1st option: You can either contact one of the companies that deal with debt, they will co tact your creditors and advise them of your situation they will arrange for your debts to be paid at an amount you can afford they may also help with sorting your mortgage out.
2nd option: You can write to the debtors yourself and explain the situation and make them an offer you can afford. Its very unlikely they will refuse as any repayment is better than none.
3rd Option: Citizens Advice Bureau they have trained debt counsellors who will help you to sort yourself out.
Your Mortgage did you take out employment protection, if so you have no worries.If you didn't take out mortgage protection, D.S.S. may help to pay your interest on your mortgage, this normally starts after 6 months of unemployment. Don't despair seek help but don't ignore it, it won't go away |
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pianojono
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All that and you come on here for a solution?
I don't think so !!! |
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cheff57
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get a job? |
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