Tag Archives: extra money

In Debt, Don't Know What to Do–Debt Consolidations Loans?

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My husband and I both have good credit, on the border line of being excellent and we don’t want to do anything that will hurt our credit score.
Together we have 6 credit cards with approximately 00 in debt a mortgage payment and two car payments. I have transferred the balance of one of the cards several times (00) and do not want to do it again, the interest and accrued finance charges will hit in January and there is no way I will be able to pay it off by then, so I need to find a way to consolidate or something before then. One of my biggest problem is that I’m a SHOPPER and I can’t resist a bargin, I put all my extra money towards payments and then have no money to spend so I use a credit card. What kind of solutions can you offer (other than quit shopping, that one I’m well aware of and I have removed all credit cards from my purse), do local banks offer consolidation loans with low interest? Please Help!!
I don’t think a Home Equity loan will work for us because I think they require a home appraisal seeing as we have alot of unfinished projects–thank you Home Depot card. We have everything we need, just lack the time to finish it all.
I don’t think a Home Equity loan will work for us seeing as we have alot of unfinished projects (thank you Home Depot Card–lol) and I think they require a home appraisal. We have everything we need, just lack the time to finish it all.

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Global Credit Card / Debt Management Service – Companies Doing Fraud?

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I am constantly being called by two companies, Global Credit Card and Debt Management Service, these two companies constantly ring me and offer me Credit Cards solutions to help me get out of debt. Now when I wish to enquire about the company, such as the name of the person that I am speaking to, where they are based, a website, a contact telephone number I am told that they do not need to give me that information. Now I don’t know about you guys if you are getting the same kind of nuisance as me but I really want to get these guys caught. Last time I was sucked in, I was offered a pre approved £4000 credit card, when with my credit history I can’t even get a £1000 credit card. So I ask them how can they approve me already, how do they know my details on how they can approve me, I get the response that I am chosen from a selected few to receive this 5 year anniversary offer. Okay so basically I was told that with £2 I can have the pack sent out to me, so I thought why not see what they can offer me, soon as I gave them my details I had £12 taken out of my account. Now the only bit of information that I was given about the company is that they’re on Cleveland Road in London I wouldn’t take that information 100% accurate. They also interrogate you to pay a monthly fee to charity where the person will tell you that you don’t have to contribute, I didn’t want to contribute but this conversation went on for about 20 minutes on the phone as to why I don’t want to pay them and all I got was the vibe that I’m not going anywhere until you pay us the amount.

If you refuse to speak to them once, they will ring you back.

If you offered them your details and they took extra money out and you can’t do nothing about it well they will ring you back under a different company name.

Global Credit Card & Debt Management Services are FRAUD companies.

I repeat they are companies who are doing fraud. Do not give them any information, slowly, slowly they will build up the details of your home, email, work history. With this information they can do anything. Immediately if you think you have been effected change your card, call the report it missing or stolen line at the back of the card and check your statements.

If anything the name of the company will appear on your statement under this name CALLEMATICS LTD. The address for the company is CALLEMATICS LIMITED, 74 Cleveland Street, LONDON, W1T 6NA. But I fear this will only be the name of the company which provides its call centre information

If you have any experiences with this company, please state here.

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How are we going to solve the problem of national debt?

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Obviously, the best solution is to raise taxes and cut government spending (on healthcare, police, education, and other essential public needs), and use the extra money to pay off the debt, but no politician can ever do that without jeopardizing their career, because not many people are going to support tax raises and cutting back on public goods and services.

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Collections Agency took money out before said date, they want to put a warrant of arrest for bounced check….?

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AllState Financial has been contacting me on my cell phone nonstop about an Applied account I had and that they now are in charge of. I have never recieved a letter or anything stating that I owed them. They only have left messages with claim numbers that said to call back. When I finally did call, they said I had to pay ,344.90 in full and pretty much, that there was no other option or they would file the lawsuit against me (the amount owed at Applied was less than that amount but I understand if they charged me for nonpayment – & before you judge and say it was my fault for going into debt, please understand that not anyone is blessed the same way with money. I had to stop working for a while for health reasons.)

I explained that my bank account didn’t have money at the moment b/c the bank and I actually were going through a fraud case where someone in another city somehow got a hold of my debit card info and made a replica of it and took out money I had in there (AllState Financial said that I was lying pretty much – apparently I can’t be a victim of fraud). The bank was gonna give me my money back that following week (provisional credit) but it was for my rent but the guy said I had till October 2 to put the money in, to call before if I didn’t have the money. I said OK, gave him my bank info (since he pretty much threatened a lawsuit against me & I was going to put more money in for the debt). Well, I didn’t get my provisional credit when they said they would give it and the extra money I had, it was for my rent. I called on the 1st of October in the morning telling them (AllState Financial) that I didn’t have the money yet. They said why didn’t I tell them before (they didn’t tell me that they already tried taking the money out on September 29).

I told them I would call them when I had the money in or If I could make monthly payments and set that up – they said No, it was too late for that. I said I would call when I got more money then, they said Ok & hung up on me. Then I get a call today, the 4th of October and they say that since the check that I have them bounced, they will have a warrant for my arrest on the 6th if I don’t pay in full. I said I had called before the 2nd to state that I didn’t have the funds. They said they took it out the last day of September and that it was gonna post on the 2nd and I had to say 72 hours before that I couldn’t pay (they hadn’t told me this). He said they have a recording of me giving my bank info and stating that I would pay that amount and it bounced so that they were gonna file a warrant for my arrest and I would go to jail.

I said if I can make payments thru INCHARGE DEBT SOLUTIONS (the people there said that Allstate accepts payment thru them and they are just trying to scare me so that I can pay in full) but they said they will not accept payments from INCHARGE. I’m a mother of a two month old and I haven’t been working b/c I’ve been sick the whole time (during and after pregnancy). I AM trying to get my debts back in order (they aren’t a lot – just a few) but at least I’m trying. But what I’m asking is, will they seriously issue a warrant for my arrest for one bounced check? I know I said I would pay but I told them before they had told me to call and it’s not like I’m not wanting to pay them. I do but I can only make montly payments. It’s either pay them in full or get evicted from my apartment with my two month old with nowhere to go. And by the way, the people at AllState are not the nicest people to talk to. I have tried talking in a nice manner but THEY are the ones that are so rude and I’m trying to work with them but every answer is a NO. TOO LATE. There have been a lot of people in my situation ( http://800notes.com/Phone.aspx/1-866-508-1877 ) but I haven’t read about getting threatened to have a warrant out for your arrest. Please help, I’m freaking out here. :(
I have tried explaining my bank situation to the Collections agency – they barely give me a chance to talk. They basically say that they don’t care about my personal and financial problems (having a fraud case investigated on my bank account is my problem & "doesn’t make sense to them") and they pretty much just want the money. I have to give them an answer on how I’m gonna pay (by check, money order, etc.) by Monday, the 6th or they will send a warrant for my arrest. I don’t have anyone here to lend me money and I doubt my bank would give me a loan. And there are no payday loans or anything like that here in GA and I’ve heard those aren’t good anyway – I’m trying my best to get out of debt and I’ve heard those just dig a deeper hole. :\
Trust me, I’ve tried to make a payment plan. When I called the first time, they threathened me with a lawsuit if I didn’t pay in full. They gave me no other option. When I called them again to make a payment plan, they said NO, too late. And now they called me and are saying that they are gonna have a warrant out for my arrest. This all happened in a 2 week period maybe.

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