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Equity in House
Had appointment with CCCS and starting DMP 1 November they were very helpful and non judgemental However we have one concern, partner has a large debt personal unsecured loan with the bank, can they take our house ? There is some equity but the mortgage is in 3 names Can anyone give any advice Thanks
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quick question
when the 6 year period is up i.e. on 30 September this year, when will it come off your credit file. If i order my file tonight online will it be off or will it take time to update??? thanks
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how hard is it to get car finance??
Me and my husband are looking to get a new car. He had finance before and hasn't missed a payment but had 2 defaults on his credit cards, they were paid off last November. We got a computer from PC World a few months ago and got finance no problem - it was under my name. Will we be able to get finance ok do you think…
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Advice re bankrupcy and hire purchase
Hi, I have a friend who is in the process of filing for bankrupcy, and they did not know if a car they have got on hire purchase ( have been paying it off for 3 years so far), would be claimed back by the car company, once the bankrupcy happened. Any info would be great.
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Debt advice
Hello Quite simply, I have a number of debts that I would like to consolidate without going down the route of having a bank loan. For a number of years I have been using the 0% credit card deals and have about £4000 left to pay. In addition I now have an outstanding overdraft sum with my bank which is hitting with fees. Is…
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Help with Moorfield
Hi there, my husband has a HP agreement with Lombard Tricity Finance paying £34 per month. The last direct debit was made in June and they haven't tried to take anything since July. Moorfield have contacted his work to get hold of him - we haven't received any letters etc (and it's been passed onto this company (Debt…
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Side-effect
You know this last month of careful money-watching has has a nice side-effect: I lost 7lbs. I never realised I snacked that much.
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how much did you spend today: 6/10/06
hi all! spent 40p on carparking, £9 on a jumper which was reduced from £18, 27p on a pack of biscuits, £5 petrol (how much per litre!!! :eek: ) and 3.45 for chicken feed which should last a fortnight!! what did you spend today??????????????
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Store Credit Debt
Ok so I had a typical situation around 9 months ago where I stupidly bought something I could not afford on credit for one year. Great, I thought, I'll pay it off monthly. Of course then my employers went bust and I was out of work and I had other debt to focus on as well. To cut a long story short I owe Jessops £2k and I…
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Using equity from a house sale to repay debts?
Hi everyone, I’m very new to this forum, although I have read many of the posts over the past few weeks. It seems that many of you are facing up to your situations and the amount of debt you’re carrying and asking for help, support and advice in order to get out of debt for good. Well, I thought if others are brave enough…
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CCJs
What setting aside a CCJ means? Thanks
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Going to pay of Credit Card debt hopefully!
Hi all, Apologies if something similar has been posted but I've searched for similar items and can't seem to find the answer to my question.... At the start of the year I had £14k of credit card debt: - £10k on Cap One - agreed with Cap One to pay off £212.63 at 0% interest - £4k on Egg - gone to debt collection agency -…
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Stopping Interest On Credit Cards
I've read a few posts about people talking to their credit card companies and explaining that they are having difficulty with the payments and the companies agreeing to stop the interest. I've got a couple of questions if anyone could answer them! 1) Why do the companies accept this? 2) Will they accept if you are up to…
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Advice Needed About Credit Report
Experian report arrived today! Wow, never realised how much credit I've had over the last 6 years! A couple of problems though if anyone can shed any light! HFC Bank PLC Fixed Term Deffered Payment Started 20/01/03 Balance £0 Settled 21/01/04 Monthly payment £45 over 48 months Status history 000000000000 In the last 13…
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Update
Just thorght id let you know how the new job and things are going. New job is great, great bunch of people, very hard on the brain, but good to get brain going again :rotfl: Me and my partner, well.... he has still got his head in the sand, all our depts are separate, so CCCS are dealing with it separate, but he is…
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LloydsTSB to register old accounts with Experian
Hi, Just a quick warning that LloydsTSB and HBSC are about to register all accounts held in the last 6 years with Experian. This is supposed to be part of their new 'responsible lending policy' So if you have had a dodgy card/loan/account in the past it is about to impact on your credit rating.
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Help got myself in a bit of a hole
Hi i have got myself in a bit of trouble. i was working on the assumption that i over spent by about £50 to £100 pounds each month. boy did i have a shock when i did martins budget (which i couldnt print unfortunatly) i over spent by a wopping £500 each month. i cut it down to about £300 but i am now having trouble, the…
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Paying debts with no income?
So I'm new here so here's a few break downs. I was a f/t university student until June this year, and have taken an interruption of studies year off in order to have my baby. My university has taken me off the registeration roll so that I can claim benefits, HOWEVER when I attempted to do this I was told that as I was…
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Where do I start
Hi I have debt Lots of it. The last 6 months , i have been trying to find better work , and paying the debt bills off with my savings. These savings will run out in October. I have read all the guides on here and on the CAB site and am now getting ready to take the plunge. I have a job interview Thursday which if I get…
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how much have you spent today 5th oct 05
hi all. was trying to keep out of the shops when i popped into town this morning to go to the bank...but boots called to me "jaaaaaaaaaaaaamie...oh jaaaamie!!!! .....and i answered! but made a killing. 3 bottles of pantene conditioner (3 for2), 3 bottles lee stafford hair straightner spray on BOGOF(i will only use this…
