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HELP -new! credit score help
Sorry if this has been posted somewhere, however, i cannot seem to find anything on this. I am a student, and i did the free trial credit report and was ridiculously shocked to find out my credit score was 450!! I have no idea how it can be, i have a phone contract which has always been paid on time, however, i am…
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DMP advice please
HI there We are in approx 30K of u/s debt and are thinking of organising a DMP as things are getting out of control ! We have 3 credit cards with a combined total of £12.000 and 2 loans, one for 12000 and one for 10000. Would it be possible do you know to do a DMP with the credit card companies and keep on repaying the…
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MSE Martin, I have a question.
<- Is that your bum? It greets me every day when I visit the site, so I got wondering. Sorry, I'm nosey/curious :p
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IVA advice please
Hi fellow MSEers, I was wondering if you could help me with some valuable advice please.... Well where do I start! My partner entered into an IVA in April '06. Her monthly replayment figure of £225 was calculated on both of our incomes and expenditures (even though the debt was in her name). We have now unfortunately…
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Cheap Dinner Suit Hire...
...in the Manchester area...any ideas guys? Finally got my licence to kill. Need to look the part.
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Mercers/Barclaycard
Hello After three months and Barclaycard passing my debt onto Mercers we have finally agreed an amount to cover the debt but only verbally i.e. telephone. Mercers will not confirm this offer in writing despite my request and insist that it will be "legally and binding" and marked "Satisfed in Full". National Debtline say…
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I hate the council!!
Ok, quick run through of the story, I hope someone can give me a definitive answer on this! We bought our property on 17 Oct 2005. It was in quite a poor state, so we continued to live at home for another 6 months - however, i didn't realise that we didnt have to pay council tax during this period,and we paid £168 for…
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Help Needed Please
Hello I got myself in a few financial difficulties about 6/7 years ago with mail order etc. but I am now a credit worthy person with a good credit score and no record of any defaulted accounts or ccjs on my credit file. I have recently received 2 letters, one from CapQuest acting on behalf of Littlewoods saying that unless…
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National Debt Recovery what happens next?
Had yet another letter from them,they are acting for littlewoods.The usual threatening letter will be passing me on to DCA.Then they will take me to court or i will get a visit.Any ideas on what DCA will i be having next? CQ
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In debts and new to this board
Hi all I am joanna and I am £ 49000 with my husband .after my husband blew money for a job which lost all 2 months wages.I got panicke and missing 2 months payment i thought I ca not do this anymore.We were arguing and nearly start be domestick violence. I made a move and called cccs.Well if I pay £500 a month we should be…
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Hire Car Companies that do not require Credit Cards
Hiya peeps Does anyone know of any hire car companies that do not require CCs to rent a car? I've checked all the major companies and they either; do not accept VISA ELECTRON or require a CREDIT CARD for the deposit. Reason I ask is that our car has developed a leak and I don't want to drive it long distance. Thank…
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Help !!! Mackenzie Hall . :(
Ive just come home to a letter from this company and panicked and rung them instead of checking in here first .. It was on photocopied paper and signed andrew lowe! Ive rung them and they say i owe £500 from a capital one account at an old address! ,... I did have a capital one account! but not at the address they gave it…
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Finally Debt Free!!
Hi this is my first post but I've been using this site and reading the forum for over a year now and just thought I'd let you know how I got on. My original debt was a £5200 bank loan, and 2 x £1000 credit cards. So just over £7000 in total. Last month I had left: Bank Loan - £1200 Egg Card - £950 Capital One - £500 Mum -…
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Finally Debt Free!!
Hi this is my first post but I've been using this site and reading the forum for over a year now and just thought I'd let you know how I got on. My original debt was a £5200 bank loan, and 2 x £1000 credit cards. So just over £7000 in total. Last month I had left: Bank Loan - £1200 Egg Card - £950 Capital One - £500 Mum -…
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hello - I am back (4 months project)
:o Hello, I have not been on this site since Feb 07, I am back and have 4 months in which to seriously get a grip of my life, my weight and my spending. I have noone to blame for the state which it is in but I have also not got anyone to magically fix it- although I do want to fix it I am not prepared to live in a cave and…
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Urgent help with credit report!
Hi, I just checked my credit report (I have experian credit expert and haven't used it for ages) and its a mess! I really want to get it sorted but have no idea how to go about it. I'll list the problems and iof anyone can help with anything I'll be most grateful! 1. Firstly and most urgent, under the CIFAS fraud…
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sky vs freeview
We cancelled our sky way back when in nov 06 and went with freeview. Trouble is our aerial isn't great so at certain times of the day and in bad weather the tv is unwatchable. We noticed that Sky are giving new customers £110 through quidco.. and we're seriously considering it.. especially now as you can get 4 mixes of…
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Please help me!!
I dont know where to start! Basically I'm in £3000 in debt and need to sort it out asap. I owe £2200 in an overdraft and £800 in council tax. I've really messed up as I've taken on a new job and my pay has gone haywire, so stupidly, when it came to the repayments of the big debts, I couldn't afford to pay the minimum…
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Advice re bayliffs
Hiya, wonder if anyone can help! My Brother and GF live at my mums house. His GF got a call on Monday from a Debt Collectors - not sure which one, my mum cannot remember as she answered the phone and passed it straight over. From what I can gather the GF cannot pay. What I need to know is if bayliffs turn up at my mums…
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paying off my last debt today! but the hard bit starts now... winkle's frugal month
HERE IS THE LINK TO MY ORIGINAL SOA: http://forums.moneysavingexpert.com/showthread.html?t=531206 Today I am going to pay off my last debt (apart from my student loan), but in order to do this I have to have a frugal October. I’m starting this to keep me on the straight and narrow, so I’ll only be boring you for a month! I…
