 How can I get money back for goods ordered but not received when the company has went bankrupt/liquidation? |
| Farepak Hampers have went bankrupt or in liquidation and all our much needed christmas savings for vouchers have all but disappeared. What can we do (10 weeks before christmas)???... |
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 If I make $100 000 a year, is that a lot compared to most people? |
Additional Details
Im 33 in a relationship, and live in Canada, Ontario.... |
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 Why take out a Credit Card? |
| OK so what are the benefits of credit cards?... |
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 How much do you save per month? |
| Is £150 per month a good amount to put into a savings account for if ever my wife and I were to have a baby, we'd have that money set aside for all the costs that come with it? is £150 per ... |
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 I'm in need of a personal loan. Is anyone willing to help? |
| Is there anyone out there that is willing to borrow money to me. I've exhausted every option, and because of my poor credit score I cannot get approved for a loan. I'm trying to get back ... |
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 How do u save money!!? |
Hi i am moving out of my parents home soon with my partner and our 4 month old son and i was wondering how everyone save's money around the house and on grocery shopping?
Thank you in ... |
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 Why do people get CDs? |
Are they just stupid?
A measly 5% a year, for holding your money and not letting you access it? Especially when most start at $2,500 minimum. Our expenses yearly (obviously) far exceed ... |
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 I have a debt problem. I am receiving collection letters from a company. This all came from a divorce.? |
| My ex used a credit card i didn't know we had after we were separated. 4 years later i am finding out he is in about $20,000.00 in debt. How can i find out from the info i have from the ... |
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 Can I afford it? |
| So I would really like to buy the Dell XPS M1710 Total Domination laptop, and the price is $4,950 or $149/month. I make $7.00 an hour and work anywhere between 25 and 40 hours a week meaning I make ... |
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 Would you retire at the age of 22? |
| My husband wanted to know if you could or do make 2700 a month and will recieve it for the rest of your life, would you retire at the age of 22?... |
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 I need to find a loan shark asap.? |
Do not answer my post if all you have to say is don't do it because you will be wasting your time and mine.
No place will do a loan because of my ex screwing up my credit so don't ... |
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| Bankruptcy before marriage? |
| I recently filed for bankruptcy because of a failed business. I had to file chapter 7. It is to be resolved in the next month. I am also planning on getting married, but not for another year or so.... |
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 I gt mail frm yahoo mentioning I won Yahoo UK lottery is it true? |
I m gettin some mail from YAhoo mentioning that I won $800,000,00 doller on promotional yahoo Lotteery.
IT also envolve the HSBC BANK and Later ICICI for INDAIN trnsfer of money
... |
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 Can I deposit my husband's paychecks for him? |
| Between work and commuting, my husband can't get to the bank on weekdays. When we're busy on weekends, his paychecks can sit around for weeks without being deposited. Our bank also has ... |
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gray_spring2000 | Is it possible to negotiate with banks to reduce personal debt level and if so how do you get started? |
Specifically with the Bank of Scotland |
 |
 
Bailey P
 |
Hi there,
Have a look at wwwmoneysavingexpert.com it's a free to use, nonprofit site that has loads of great info on debt and where to start with it.
Good Luck x |
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taketwo
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by talking to them |
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Percyboy:Official
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go to your bank and talk to them. They will be able to help you. The banking code which most of the banks including RBS adhere to, encourages banks to look at debts sympathetically and you will not be penalised for talking about your debt. |
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emmamac14
 |
yes you need to go in and speak to one of the banks financial advisors, if that fails contact kensington financial advisors on 08007835650 or fill in application at www.kensingtonfinance.com i have just had my debts sorted and reduced by them and they dont charge you anything, hope this helps |
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princessnicola23
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u need to ring them up and speak to someone and maybe arrange to see someone about it and they should be understanding and try to help u! |
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Chase
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From what I've heard, usually that happens with those debt consolidation companies, however, I do believe that you can talk to them and explain your circumstance and let them know that you DO want to pay them back and remove your debt.
A lot of times they are very understanding...however, other times they are not...Give it a try, the worst that could happen is they say no. |
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Health Freak
 |
I dont know about that bank personally, but I think you will need to show them a financial statement detailing all you incomings and outgoings and this will affect your credit rating as the bank will make it as a default because you are not keeping to the agreement of paying £200.00 per month for example when you took out the financial agreement. |
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k0005kat@btinternet.com
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Ask to make an appointment with the person who deals with your account. Be punctual, dress smartly and cleanly; no dirty jeans and smelly trainers- it does the opposite of impress. Take all your paperwork, cheque book, bills and details with you, plus bank statements from when your problem started, and pat slips for the last 3 months. And ask for help sorting it out. It is in their interest to help you, and most are very helpfull indeed. Good luck. |
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pierre
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You would be suprised at what you can get just by asking ;-) |
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gabby
 |
You can get a higher interest debt management loan |
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V
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Speak to an accountant, you may be able to arrange what is called a IVA, or Individual Voluntary Arrangement, which is basically getting your creditors together, telling them that you are more or less insolvent, and will go bankrupt if necessary (which puts the willies up your creditors) but if they are willing to write off some of your debt and accept a monthly repayment scheme you can enter into an IVA, this way you reduce the debt without actually going bankrupt. Although bankruptcy may also be a viable option. |
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scallywag
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Write to them detailing your personal situation. It must be such that they can see no way of getting their money back. Ask them to accept what you can afford to clear the amount. They may accept or refuse. If they do refuse, you need to persist. Check the nationaldebtline's website - they also have sample letters you may find useful. |
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Neil
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If you contact the bank and explain your situation they may consider writing off a proportion of it or at least freezing payments whilst you are unable to meet the full amounts.
The Consumer Credit Counselling Service, a registered charity, are excellent and can help with all your questions
http://www.cccs.co.uk/ |
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