Debt-free wannabe

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  I've paid off all my outstandings and now only have one default (I had 3) on my report and that is marked as satisfied. I do how ever have quite a few searches on my there. Should I wait for these to fall off or do you think I'd be OK to apply for one of them vanquis cards?

• Personal civil debt advice

  Hi all, I've got a few debts which I'm working off slowly but surely. There not a particular concern at the moment, and I'm managing to maintain a decent credit rating. I do have a concern at the moment which I'm hoping on a bit of advice on. I apologise in advance if this is the wrong place to ask. To cut a long story…

• Help im new, which DMP company?

  now ive spoken to a few W3 Debt Solutions Debt Angel Chase Saunders Payplan and really not sure who to go for as they all make it really sound alright, but im worried i could be payin off my dmp for years if not forever with some the fees they charge as they have quoted different amounts of what my monthly payment could…

• Debt free in 10 years, advice required.

  Due to circumstances I've managed to get into quite a bit of debt, had to pay for 2 operations privately, and went for 5 months with no wages other than statutory sick pay! My situation is that I have a £20,000 loan over 10 years, I'm 1 year into that, and approximately £17,000 on three credit cards. It's my ambition to…

• Help!!!!!! - MY bank wont speak to me

  face to face:mad: On the 4th August my bank decided that they wanted to withdraw my overdraft facility - although they insist a letter was sent out - but I am telling them 110% I never recived one!! The 1st I knew about this was on the 28th August when one of my credtitors called me to say that my bank had not only bounced…

• Anyone had experience with MBNA or HSBC and a DMP??

  I am trying to get started on a DMP with Payplan:T But I am terrified of getting defaults as I really want to buy a house once this debt is paid off and my credit rating is good again Just wondered how HSBC and MBNA are with debt management plans??

• How can I keep myself out of debt?

  Hello I am another newbie here and would like some advice from all you lovely people. At present I am not actually in debt as such (I do have a loan) but due to the change in my circumstances I feel I could soon spiral into debt unless I act now. My change in circumstances is that my daughter has just turned 18 and has now…

• YAYYY!!! Another £500

  Paid off my M&S Card - now down to just over £700 until I am debt free! :T

• debt companies

  Are red debt collections the same as lowell financial. Because im paying a debt to 1 of them and getting a letter from the other for the same debt saying i havent payed thanks

• If money was no object

  what job would you do? The reason I ask is I am looking at potential redundancy at the end of the year and I am taking this as a chance to think about what I really really want to do....the problem is I don't know! If I could afford not to work and re-train (and afford the retraining) I would really love to be a pilot or a…

• New Home & SOA, CAB helping, What about Trust Deeds?

  Hi Guys I know I've not been on for a while but things been kinda crazy. Below is new SOA as I have moved and now have cheaper rent and council tax and transport to work: Income Source Amount in £ Basic Salary 914.34 Maintenance Received 200 Child Benefit 72.40 Tax Credits (Working and Childcare) 526.07 Total Income…

• Defaults

  With Defaults on t Thx..:cool:

• Dental Bill

  Hi Im Wondering If Anyone Could Help I Recently Started A Course Of Dental Treatment In Total It Was Costing Me £257.00, My Dentist Has Sign Up On Reception Area Stating All Dental Bills Must Be Paid Up On Last Day Of Treatment... After Gettin Root Treatment On One Tooth My Dentist Demanded That I Pay £120.00 Up Front Of…

• Hello! First ever post, please please help

  Hi there I have been stalking this board for a few weeks and have finally decided to post as everyone seems friendly and fluffy and that's what I need right now!! I really need help, I am actually suffering from depression because of my financial situation Please don't judge me badly, but I split up from my husband and it…

• experian - how to remove details??? :(

  I know this might be a bit off-topic, but I wasn't sure where else to post. Recently I started to get a lot of insurance loans and credit-card related junk mail, despite me being a student and all that. Having called a few companies and removed my details i wondered where they'd get my details from in the first place.…

• Quidco query

  We are in the process of changing insurers for the house contents/buildings as we are moving in 2 weeks.I have seen that there are some really good cashback deals through quidco.Can I ask if you do it through them do you need to put your bank account details online?I hate doing this as we only have a debit card and I worry…

• clearing defaults from your credit history

  hi guys! i hope this is the right forum for this query. i was recently turned down for credit and ordered my experian credit file to understand why. i had 2 defaults on my account relating to mobile phone contracts i had 3-4 years back. the first one was with 3 mobile (in the year they launched, when they were notoriously…

• not getting anywhere

  i have waited and waited all the 12 weeks,etc, with my catalogue debts, sent 1,2,3 letters and still receiving the same letter back - we are concerned you havent made a payment, etc - they arent even acknowledging my letters or the fact i havent received a proper cca off them - they are all unfilled in ones they have sent…

• Who am i trying to kid!???!

  You know what's bonkers!?!? I've been updating my signature religiously with the payments i make monthly to my CC and Store card bills. But i haven't put my biggest single debt on there, i guess i just thought of it as a bill.... I have car finance from Welcome, i don't even have the car anymore, i gave it back in a bid to…

• What's the chance they'll stop the interest?

  I have started a dmp with cccs. I have today received a statement from Tesco cc showing that the interest and charges are higher than my monthly payment. Now my question is this- What are the chances that they will stop the interest Given that tesco cc is issued by rbs where I have a joint current account with a currently…