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CCJs - how long on credit file
Hello Can anybody tell me if CCJs stay on your credit file for 6 years from judgement or satisfaction? Fell out with the solicitors handling my divorce years ago and next month is the 6th anniversary of judgement. I then refused to pay them more than a token each month so took over two years to satisfy the debt. Its the…
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Need help!
Ok guys I've posted about this on my blog and it's got lost in there somewhere but I have a problem wth my food bills. And I'm not sure what to do. Alone I eat very cheaply, however when my boyfriend is around we tend to eat more. If we spend the weekend together, we'll go shopping and buy food, for me and him during the…
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Personal trainers!
Does anyone else think personal trainers/mentors for people in debt would be a good idea? I know people obviously do this to get fit (set goals and stuff), to lose weight, all sorts of things! It's just struck me on the previous post I did, just talking to Ms_London as opposed to a whole load of people, and just accepting…
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How much did you spend today 25/10?
I spent 90p on peanuts, a banana, a pear and a carrot. Gym tonight but that's already paid for.
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Mackenzie Hall?
Does anyone have dealings with this company. I had a hire purchase on my last car and had £2000 arrears. I sent the car back and agreed to pay £70 month to pay this off. Earlier this year due to standing orders and mix ups, a few months of payments did not get paid. Black horse sent my details to Mackenzie Hall for…
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Getting statements from creditors while on a CCCS plan
We're paying our creditors on a DMP through the CCCS. I'd like to know what the current balances are on each account, as since we've started payments (4 months deep) I have only received a statement from one of our 6 or so creditors (GE Capital - a Topshop storecard. They were the only ones to actually *officially*…
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Payplan Stage Two Questions etc.
Hi, I have been lurking for a few weeks and have been reading the great advice that people give. I have contacted Payplan to help with our debts and have sent out the initial letters to find out all our balances. I was wondering roughly how long it takes for the companies to respond with all of the figures? I do know most…
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Heavily in Debt!!!!! Advice please UPDATE
Morning all, Things were going quite well until I just looked at the joint bank account balance - £2500 overdrawn but all bills are paid and I get paid this week and hubby will pay his weekly dose by friday. I have been off work this month with a fractured knee cap so no 2nd or 3rd job wages coming in - my main job luckily…
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Declined Natwest Step account, can someone help?
Hi, this is my first time posting so hope I'm not too bad ;) My partner and I applied for a Natwest step account last week and we received a telephone call this morning to say that we had been declined. Now my partner and I are in debt but we are making regular payments every month through Payplan. Also payed for a credit…
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Where's that post gone?
There was a post on here yesterday that went slightly off topic but had some interesting points nonetheless - this morning it has gone. It was initially a rant about people who get into debt and then cop out of their responsibilities. There was a bit of narkiness creeping in but surely nothing worth *deleting* the post…
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Calling kicking k
Hi Klare Just wondering if you are around and whether you have got any further with your debt management. Hope it is going well for you. Best wishes tondella
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Bank & Credit Card Company Inter-relationships
Hi This is a warning to those in debt to be aware of any connection between your creditors and your bank. I’ve just had over a week of worry due to opening a basic bank a/c which I later found out was part of the same group as one of my creditors. I’ll soon put the full story in my own little thread:-…
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I'm finding it hard...
Hi guys, I'm finding it hard to..... i think the word would be "manage" my finances. I know what i have coming in and i know whats going out, but the problem seems to be the dates. I get paid monthly (7th) my partner gets paid every thursday. Then i have all my bills coming out on different days scattered all over the…
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Early Settlement - will they accept it?
Hi all Just a speculative question really... I've got about 30k of debt left now, it was as high as 45k.. Ouch. I'm with Payplan and have been now for about 14 months, I've never missed a payment. All but Natwest CC have frozen interest, with the interest charges on there I'm paying off about 10pence per month on it... but…
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Credit Reference Check
Hi, following up on advice given last week, I've applied for a CapitalOne card and a better bank account. I'm still waiting to hear about the account, but I've been turned down for the credit card. I got a copy of my equifax credit record (one of the companies CapitalOne used) and looking through it it is almost spotless:…
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Council tax: Removal of goods notice
Hi Folks, Firstly I hope this is the right section to be posting this in, if not I do apologise. I recently had let out my flat and the tenant left abrubtly without cancelling the tenancy agreement or paying many of the overdue bills. I have started sorting out the flat and while checking thru the mail I noticed a hand…
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One thing to say.....
3 days, 3 days, la la la la la la la la la la!!! :beer: :j :j :j :beer: xxxxxxxxxxxxxxxx
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Still living at home....
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To budget or not to budget, that is the question...
... whether tis nobler to suffer.. ;) Sorry. lol Shakespeare aside, I have an interesting dilemma. I've been doing this trying to live on virtually nothing for maybe a couple of weeks now. I've had one moment of weakness this weekend and bought some hair straighteners, and went out down the pub with some mates. My weakness…
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Letter from creditors, what does it mean?
Please could someone advise me. I posted a thread recently regarding our debts (you can find it here http://forums.moneysavingexpert.com/showthread.html?t=100342) I have today received a letter from this particular creditor (littlewoods index), but i'm not sure what it means. Heres what it says - Dear ***, With reference…
