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what can i do regarding credit file?
Its a mess.. the one i have here from 2 years ago.. although a few debts should of come of now the big ones.. i am going to be obtaining an updated version over the next couple of days.. questions are: will debts that i am still paying now that i had like 5+ years ago still be showing? how do i go about obtaining credit?…
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iDebt from 7 years ago ... caught up with me plse help....
Hi.. i have received a letter from jb debt recovery on behalf of capquest.. regarding a littlewoods debt i had 7 years ago...they are telephoning me everyday making my life hell...... i told them im on income support etc yet they are still expecting me to pay the debt in full £746.43p.. so i sent them a letter with my…
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I want to be debt free!
:confused: Hi guys, newbie here, been looking at these forums for a while so i thought id post my money debt problems see if anyone has any ideas. Full time job Monthly net pay= 1100 Part time job Weekly net pay= 120 Average monthly earnings = 1580 Monthly outgoings. 100=Board/rent 100= Natwest Loan 20= Mbna card 45=…
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MissMarples £100 to £1,000 Challenge
Hi all, :wave: I've been trying to get my head around matched betting for sometime and have put away a £100 fund to enable me to get going with this. As I was staring blankly in front of my PC this morning trying to fathom what on earth was going on I decided to set myself a challenge, if anyone is able to or wants to join…
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My SOA - Any help gratefully received.
Ok here is my SOA. Apologies for it being so long but I wanted to make sure everything was included, no doubt I have still missed something. Any advice/suggestions would be gratefully received as I WILL get out of debt and hopefully quicker than planned with all you lovely peeps helping me. Incomings Me - £1250 OH - £1350…
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A newbies SOA
I have been lurking on this site for 18 months – never posted. I get so much inspiration from you all.:A (Thanks) HOWEVER my debt has not gone down in this time (Hasn’t gone up though!) I really need to knuckle down. I want to be debt free in 22 months. Is this ‘do able’ ? I live with my husband. He earns good money -…
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Miss Marples Guide to Life
Hello anyone who may read this, :hello: I've ummed and ahhed about finally joining these boards for a while but along with my resolution to stop procrastinating I've just kept putting it off. AS punishment to you all (not fair but then neither is life), I'm inflicting my debt diary on you. On a more positive note at least…
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what happens if you are taken to small claims
Long story but my neighbour is taking me to the small claims for £3200 What will happen???? if i am found that I have to pay her the money what will happen as I dont have a penny to my name?? any advice would be great.
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Please please help my SOA
OK guys here my SOA Please help! Monthly Incomings: My salary - £1232 Benefits - £157 Total - £1389 Monthly Outgoings: Mortgage/Rent - £837 (changing to 700 as of 1st oct) Council Tax - £89 Gas - OH pays Electric - £25-30 TV License OH pays Sky £38 Phone - £14.50 Food - £160 (I pay every other week) Car Insurance - £51…
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Self Employed Tax Calculator
Hi all, have just gone fully self employed and was wondering if anyone knows of an online calculator to give me an approximation of how much I should be putting aside for tax? Thx in advance!
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Credit in the future
I have been idly flicking around the boards and when I look at the ones for loans and credit cards, I just go cold. I am so full of the mindset of being debt free in 44 months (snowball date), the thought of EVER going through a credit card or loan application again once I am debt free makes me feel sick. I long for the…
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Outstanding Balance Mistake???
Hi guys, I just had a letter from my 'Debt company' asking for me to increase the payments I make to them, which they always seem to want to do. I currently pay £80 a month but i agreed to £40 a while ago, just havent updated them, which im not going to but they always want it in writting that I will pay £80.. Anyway... I…
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crapquest a new victim
Hi me is new here and I have to get my two peneth in about crapquest Ive been contacted by them for a halifax loan I defaulted on now I know this is outstanding and needs to be paid. I am in a fortunate possition to pay this in a few weeks and when they contacted me I told them this. Instead of noting the file duly and…
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Help ME please!
Hello everyone this is my first time on here but not on martin's web site. basicly me and my wife have been stuppid, first we have 2 loans 1 for 15000 and the other is a det management loan for 7,000 plus a credit card of 1500 and an other loan for my lap top which is £750 just looking at this makes me sick. I am going to…
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default on loans/credit cards
hope someone can give me some advice here please. any suggestions greatefully received. this is a bit long, but basically this year i was having employment troubles and was out of work, so i didn;t pay my debts and have defaulted with two debtors. i have about £13k debt and have defaulted on about 2 out of 5 debts. i got a…
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Can anyone give me some advise please
Hi, Im hoping someone can help! I currently have the following debts cahoot loan £3315 monthly repayment is £133 Barclaycard £2976 monthly repayment is £70 Natwest card £2448 monthly repayment is £66 Halifiax card £3427 monthly repayment is £66 MBNA card £971 monthly repayment is £17 Virgin card £145 monthly repayment is…
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My own £3000 by March challenge
Hi All I've managed to book leave from work for March and I indend to go to New Zealand for a well deserved holiday, have had a rough 3 years and last holiday I had was about 4 years ago. I'm thinking I will need around £3000 for the trip with flights and touring and a few nice trips for myself so I'm hoping that I can…
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County Court Judgement - Interest - Help
Hi there, any advice gratefully accepted. Have run up a lot of debts. I did the income v outcome chart and made offers to all my creditors of 1 percent of debt. Many of the creditors have accepted this but I am having problems with 2. One has taken me to court and got a judgement against me. I have paid them every month…
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American Company Demanding Money
Hi, Last year I was paying for a server I was renting in the USA. The monthly payments where paid a month up-front, yet when I cancelled they wanted me to pay for another month which I hadn't used, so I refused. I today received a letter from an american company called AmerAssist demanding the total of $110. Where do I…
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Carlih1's debt diary! SOA now added! Please help someone
Hi all, I am going to start my own debt diary but am in a bit of a pickle, i know what my soa is as below. Income £1266.17 Rent £217.71 Council tax £77.00 Electricity £30.00 on (monthly dd plan) Gas £30.00 on (monthly dd plan) Water £26.77 Telephone £24.00 Mobile phone £60.00 Internet is free with mobile contract! TV…
