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default notice removal help!
I read on the front page of the consumer action group website on the left hand column the following RE defaults: "If someone owed you money and didn't pay you, could you go and put a default entry in the credit register? No of course you couldn't. You would need a court judgment to do it." So, my question is..... I have 3…
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Absolutely Desperate
Hi Everyone I was advised to contact Martin by Denise of This Morning fame. Here is the email that I sent Martin: Dear Martin Firstly, apologies for writing to you directly, but I was given your name by Denise, of This Morning fame! I shall try and keep my circumstances as short as possible in order to give you an idea of…
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What should I do to save money
Hi fellow money savers, this is my first time in the forum and im feeling very reassured by your messages - many of you are doing great!:j :confused: Im hoping for some sound advice with my situation as im feeling totally confused and mad that im being ripped off by my bank. My two biggest problems are my mortgage and a…
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early discharge enquiries
i had a letter from my OR about 2 mths ago now suggesting that he was going to put me forward for early discharge.i understand from a previous post that it can take up to 2 mths as he has to write to my creditors etc.but is there any way i can find out how it is going as on the original letter i had, it said not to contact…
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First Plus - Trouble again!
Hi Guys - hope your all well... Straight to the point i guess. Nearly three years ago, before we were married and had only just bought our house. My wife and i feel into the trap of trusting Carol Vordemon in her adverts. We were not in financial trouble, but did want a loan and not being financially savvy, we borrowed…
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Help me please!
Hi I have done my SOA as below, I can obviously see some things on it which are causing probs mailny BT phonebill which I have changed but owed money on from when I was on maternity leave have now changed it to a frree evening/weekends on a £3.97 a month thing, I have stopped using my mobile - just can't afford it - its…
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Big Debts - Small Income - Help
Hi Everyone, I have a large amount of debt - approx £15250 - compared with my income - approx £100 per week. I already have CCJs and a payment agreement with MBNA for my credit card. I have been struggling for several years, since I became ill and unable to work, to keep up with payments and have had help from my sister.…
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My debt
Hi folks, Have been lurking here for a while now and want to get my debts sorted once and for all. They are manageable, but I'd like them gone ;) I currently owe £1,000 to my parents from when I was unemployed and they covered my debts. I owe just under £1,600 to Barclaycard, £250 to CapitalOne, and £200 to Vanquis. Yes, I…
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They must be bonkers!
Today our friends from CapitalOne have just offered me,by post,an invitation to borrow£100,000.How very sweet of them!
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I'm a spendaholic
which I am guessing makes me not alone on here :-) My debts are as follows: A & L loan - £6400 Egg CC - 526.37 (old card expired and I ahven't registered the new one - step one ;) ) Virgin CC - 701.42 RBS CC - 1551.00 (on intrest free blanace transfer til November) Capital 1 CC - £1040.13 I'm paying the minimum amount to…
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Another update from me
Just thought Id let you know how Ive been getting on. Have been lurking a bit lately but also have been very busy so have not been on site so much. Since we moved in there has been no work done on the house as we have decided that we are not going to borrow money but are going to save for it. We estimate that work will be…
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Around £4k in debt and getting worse
Hi, I've just had to move house for my work and am not doing too great. I'm tied into my work contract for 12 months so thats not an option. I have 3k on an egg loan, £800 on barclaycard (6.9% for life of balance) and about 200 on a burtons store card. my rent has recently doubled due to the move and i am finding that…
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Incorrect Credit File info- Please HELP!
I got my experian file this week and it has lots of info incorrect. For starters- it says my Orange mobile account has had 9 over due payments in last 30 months, was settled in 2005..when i closed it in 2003!! Have tried to call but cant get through without an Orange mobile number, what else can i do? Also, i have settled…
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Repayment of loan upon death?
Hi folks - I've posted this already in the loans thread, but someone over there suggested I try posting in here for a greater response. So while this is my first post, it's actually my second! I've searched the forum but not found what I'm looking for. It's regarding unsecured loans and the banks right to chase next of kin…
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Full & Final Settlements
Hello you little beauties I am so pleased to have found this site - just getting my head into gear to start offering full and final settlements on a shed load of debt as we are re mortgaging - not enough money to cover everything though - we have around 50% of the outstanding debt total give or take a few pairs of shoes…
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lloyds charges had this in the post
just had this in the post this morning from the court( i first asked for my charges back in april 06) To the claimant All parties have agreed ( i have not agreed anything) District judge beattie orders that this claim is stayed until 12th sep to enable the parties to attempted settlement. On or before 26th sep one of the…
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Bank Charges V Nat West
Hi y'all, Has anyone taken on the Nat West trying to re-claim bank charges and won? I am in the process of persuing £2,699 back from them, but they are not being very forthcoming - I have just sent off my LBA and I am afraid it may go all the way to court - which I am very nervous about!!! Any experiences from you guys…
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Sold a Dud Help!
My mate has bought an Audi 2.8 R reg for £3100 from a dealership(no warranty). He noticed the coolant reservoir was filled with water rather than coolant so took it to be changed and the mechanic tested the cooling system to find the head gasket is failing. The net result is this will cost my mate approx £1500. Or if done…
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Shall i take the risk
Hi everyone, I am new to the forum although have been looking about for a little while. I have about £3000 on a Natwest Credit card - i am known as a rate tart i think :rotfl: My question is, is it worth Speculating to accumulate? I have been looking around some Catalogue clearance websites and tempted to purchase about…
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The Debt-Free Christmas Challenge!!
OK....so this is the time of year many of us start worrying about how to pay for Christmas, so I thought I'd pinch an already done idea and adapt it to suit DFW'ers everywhere. Here's the challange: A while ago a young guy in Canada took a red paperclip and by trading/swopping etc turned it into a house in under a year.…
