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Hi All - Newbie here! RE: CCJ
Hi all, First post on here! Been a "leecher" for a couple of weeks! I had a CCJ filed against me on 29th December 2004. I had the claim form through on 2nd December 2004, The CCJ was for £795.04 + costs which made a total of £955.55, I am currently paying this off at the agreed amount. However I've read on this site that…
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How much did you spend today? - Oct 24th
Wanted to start this early as i had my first successful real money savers weekend this weekend, and wanted to ride on the joy of it all! Went to market and got a really good range of fruits and veg for £6, saving about £10 from my usual somerfield bill, plus OH really got a buzz from coming to market with me and seeing me…
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Help!
Looking for some help here everyone. My sister and husband have got themselves into an amazing amout of debt. To set the scene - my sisters first husband passed away and she ended up with a decent house in in Leeds with no mortgage. After a number of years she meet a new chap - the first warning sign here is that the chap…
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debt help :-(!!
hello! ok i have recently graduate fropm university and i have some debts that i seem to be struggling to cope with this is what i owe to varios places! hsbc: £1500 overdraft (interest free, and where my salary gets paid into) £2500 loan at 7.9% over 3 years (roughly £80pcm) £1000 on my credit card (had to use it for a big…
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FREE - Manage your debt - Help with Budget, Creditors & Letters
This is a FREE Web site I developed to help people with their debt. http://www.htiml.com/HTIML/Debt
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county court reply forms question please help
hi i am fillin in county court forms for a claim against me where do i send the reply it says on form to address to where documents to be sent which is to the claimaint solicitors, i am admitting the claim and sending in a means statement so i can pay by installments, i woulda thoguht it would go to the court how does it…
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One big blot on my credit report :-(
Hi, I've got my credit reports from Experian and Equifax and they are both immaculate - all greens, all up to date payments etc - except for one item... A default on a loan that I jointly took out with my partner. Basically, her credit rating was poor and she needed me to be a 'co-applicant' in order to get the loan.…
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Finance
HI there all just been on the phone to a friend and have a query, basically, her husband took a car out on finance but then got sent to prison she put the car in a mates garage and made no payments yesterday she took the car out and contacted the garage where the car was brought from now they have told her that the finance…
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I know how to save money but how can i MAKE money?
I desperately need more incoming than i have as i am struggling to break even does anyone have any realistic tips on making money?? Would be much appreciated
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Recieved a letter after 9 years from collections company
Any advice they claim the card was taken out in 96 and a default was issued in December 1999 so they are now persuing the debt, It probably is one of my debts as I was having a very rough time financially at the time but there's no way I can pay this £4,000 - I've called them and they've offered a payment plan but after…
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Hello..... Thank you and WOW!!!
Hi, I am new to this site having been lurking and reading posts and tips for the past week or so. Today my wife and I listed all our income and outgoings and totted up all our debt :eek: we both have fairly well paid jobs but forever and a day we have been raising debt credit cards bank loans HP etc etc. I have picked up a…
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what to pay off and in what order
We have a few debts. We have just received a cheque for just over £6,000 as we have surrendered a life insurance policy. We are not sure what to do with it. Obviously paying off the debts is the most important thing, but just how to spread the money around is what's confusing us. My husband has Barclaycard (card cut up) -…
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Full and final - help needed!
I managed to get myself into an awful pickle as a student, and then did the stupid thing and ran away. It's been several years since I last had contact with any of the companies that I owe money to - but I have an appalling credit rating due to CCJs, and it's time to negotiate a settlement - I'm due to inherit a little bit…
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Littlewoods Credit Agreement
I wrote a letter to Littlewoods on behalf of someone asking for a SIGNED credit agreement from Littlewoods. Littlewoods took 4 weeks to respond & eventually sent a copy of the agreement - BUT NOT SIGNED. In their reply they stated the following: Under sections 77 and 78 of the Consumer Credit Act 1974 we are required to…
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advice needed
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experian mistakes - who to chase?
On my friend's experian credit report one of their cards is showing twice - once under the name of the card and once under the name of the bank who owns that name. Is this something to take up with experian or would they get further chasing the bank?
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Debt Free Wannabe Rant
aaaahhh! I just got a mobile phone bill for £120! I hate Vodafone!! - I am waiting to switch to O2 pay as you go and am still waiting for a port code from Vodafone so I dont have to switch my phone number. In the meantime i am stuck with the most awful tariff and now its midnight and their customer services are closed…
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CCJ-how do I get it updated?
Hey all, I got a credit report from Equifax and there is a CCJ on there from 2001, we cleared it in 2003....how do I get the settlement date placed on file? and also, I had an account with Littlewoods that I paid up and closed in February 2001.....will it reamin on file for 6 years? Sorry if these are daft question but I…
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CCJ advice needed :)
Hi, Over the last six years my financial situation has gone from bad to alot better. After getting married I got all my affairs into order and now micro manage every penny that comes in and out of my account. But I have four CCJ's hanging round my neck, that have been satisfied a few years ago. My wife was recently reading…
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default
Is there any way to get rid of a default - my boyfriend has one from 2001 which has been paid off, but it's stopping him getting credit cards etc (even the capital one £200 deposit one). We are on the electrol roll. Is there any way to get rid of a default before the six years?
