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Any one want a freebee
I was in jessops and picked up a leaflet and if you sign up to PICTURE HOUSE you can get 40 free digital prints http://www.snapfish.co.uk/registration Please have a look and enjoy the leaflet states that the 40 free prints offer end 30/09/06 :T :A :rotfl: :A
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3 bedroom house SOA advice pls
Although mostly a lurker, I'd like to ask for advice on what are the expected costs of running a 3 bed house. We're thinking of moving after Christmas and it would be helpful to have an idea of costs. We've got a house in mind and trying to work out if we can afford it. We have an idea of how much Council Tax will be, so I…
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update on my huge egg interest rise - HELP
Hi I posted a while ago on DFW to say that Egg had written to me to tell me that my interest was going up from 15.9% to 21.9% I wrote to them asking them why it had gone up so much - this is their response: Your new rate of 21.9% has been changed to reflect the relationship you have with Egg. Our assessment of your…
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old debt..???
help needed..and fast please..!!!. i have recd a letter from a debt recovery agency with regards to an outstanding debt of £1700.00 approx from over six years ago (i think this relates to a debt which has been sold onto them from a high street bank). i had financial difficulties over six years ago when i was self employed…
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A new wave of 'help' requests
I have noticed recently that a few poeple on this board are posting complaining that lenders will not freeze interest, fees etc etc simply by being asked 1st time. To begin for a lender, there must be reasons for them to justify this. They dont lend cash for free. I no longer work for a bank, and work tirelessley for other…
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Aqa?
I've seen this mentioned by a few people recently on this board & wondered if anyone could post a link so I can go have a lookie? Thank you
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Help
Before I post a complete SOA just wondered if anyone knows how to deal with the Halifax (credit card) as I have negotiated payment plans with some creditors but the Halifax aren't playing ball. They suggested contacting Payplan which I did but they weren't really able to help me at the moment other than a DMP which they…
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Claiming Bank Charges with Bad Credit Rating
Hello All, It has been quite sometime since I last posted. This is primarily because I lost my job and struggled for a bit. But I am now back on form. Help & Advice needed: I received a letter from Westcot annoucing that my Debt with I.F had been passed to them. Basically I owe £3,334, whereas my original Credit Limit was…
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Equifax/Experian
Hi, not sure where to look on the board or if the question has been asked before but I need to cancel mine and my husband's free credit reports from the above. Does anyone know how I go about doing this. Thanks
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Maybe a stupid question!!
Hi guys, been reading lots but havent quite found what I am looking for. I have debts (mostly credit cards) up in the £80,000 region, making lots of cutbacks for the past 3-4 months but not making a dent, using only the work mobile phone etc... looking to sell my car that took me ages to buy, but can only just scrape…
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Writers, educaters and readers... I nead your help !
Right... I was a tad tipsy last weekend :beer: , and annoyed that the Liverpool Echo offers no consumer financial advice, fianancial education or anything of sorts.. So I sent the editor an email ! They are aware of my 'ask the analyst' thread and would like me to submit a dummy as if it were in the paper,.... This paper…
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My bad credit file - please can someone take a look
Hi All, I have a credit report from Experian and would like someones help if possible. I have 5 black marks on the report and I have listed them t the bottom of the post. Can anyone offer advice on what to do with them. I have been told that the Bottom two are the worst but they will dissapear from the credit file as…
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One step forward and two steps back
After posting my SOA on here, I took on board a lot of the advice given. I thought I was finally getting somewhere with our debts then I get a summons from the council re last years bill and now I've got a letter from the Inland revenue saying we've been overpaid by 1738.79 and they want it by the 21/10. They have also…
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Just checked my credit report...
I am gutted, having checked my free credit report the annual credit report place it seems my barclaycard and capital one card are the two reasons my report is so bad, I obviously don't want further credit, far from it but I was under the impression I was in a better state than this ! How long will it take before they are…
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Debitas Legal Services
Have just had a very very rude bloke (for the second time in a week) phone me up a shout at me down the phone. I owe around £300 to capital one and was paying Debitas £40 a month which I was struggling to pay. I missed a payment as I was just unable to pay and they have now told me they are hiking my payments up to £50 a…
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Credit Card Hell
Hi Every1, I Just Wanted 2 Tell You All About A Phone Call I Had From My Credit Card Call Centre, I Was Shocked When A Lady On The Other End Of The Line Said Your Over Your Limit (tell Me Something I Dont Know) You Must Pay Now! I Said I Couldnt And She Said Cant You Get A Loan From Somewere Else? This Is Out Of Order, I…
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Creditors Refusing Offers form CCCS
Hello again. After seeking advice here a couple of weeks ago re my credit card debts I contacted the CCCS for assistance. I had given up on the CAB as I simply could not get an appointment there. They seem to be snowed under right now. (Sign of the times?) Anyway, the CCCS were very helpful and initially, as I had little/…
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Need to pick your brains on something
Hi all, I have my old wedding ring and engagement ring that I would like to sell. I know I would only get about half there value but that could still be £750 - and that could be a bit of saving for a deposit eventually (got to try and get something out of the bu*ger) I have looked on ebay but thats flooded with rings at…
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Trying to be a tart but not working
Hi everyone, Need some advise. Ive tried to be a credit card tart for about a year but i don't seem to be clearing it. I did owe Natwest about £3k
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Help needed! £70,000 owed
Hi, I'm a first time poster and need a bit of advice. I've looked around on here for advice on bankrupcy but didn't see any (probably didn't look hard enough!) so thought I'd start a new thread. I'm 29 and approx £70,000 in debt. I've tried CCCS but most of the companies I owe money to have totally ignored any repayment…
