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Newbie!
Hi All, :hello: Well the time has more than come to sort myself out! Been in denial of everything but finally facing upto things, well more because I have no choice now!! Already started a but cancelling some DD's etc but thought that putting some numbers in black and white would be a start and its really hit home tonight!…
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Equifax credit gold?
I have, following the recommendation from this site, applied for my free 30-day trial with Equifax and have read my report today. It is a little confusing (to say the least) but I can't seem to find my actual credit score on it anywhere. Have I chosen the wrong thing? I need to find out what our credit rating is as we need…
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DCA letter, please help
Hi I have received a letter from a DCA for a really old debt, loan was took out in 1998 but not sure when I last made a payment possibly 5-7years ago. The debt is on my credit file as settled (but underneath it states "for a lower amount") in 2003. I received this letter about 10 days ago and now a debt collector has…
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Any more help welcome please.....
Hi, I am currently in the process of trying to get on top of my debts and make as much of a dent in clearing them as possible (and as quickly as possible!). My girlfriend and I have been through a lot of the suggestions on this site but am sure we may be missing some stuff so really looking for advice, especially in terms…
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Using credit card to get out of overdraft
I posted this in the current account section as well, as I wasn't sure which area would be most appropriate. To cut a long story short, I had to go into my overdraft facility to the sum of £2500, and I want to change this type of debt into another type, as it is doing my head in to try and sort out my finances when I don't…
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Its time to be positive
Hi all I posted last night asking you all to help keep me sane over the last 7 days my hubby and i have been threatened with court proceedings, I have come clean to my parents about my last 8 years of debt that they knew nothing about ( that was harder than having the call about going to court! ) the goldfish have died,…
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Mobile Phone Contracts - Please Help.
I have had to give up work due to my mental health which is really bad at the moment my OH has just moved in (beginning of April) to look after me and our LO, we have had to go on benefits whilst i am so ill because i can't work and OH feels he needs to be here to look after us both which i can understand. The thing is i…
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Equity Release Or Remorgage Help!
HI ALL ,:embarasse :cry: Great site .m in trouble . have lots of debtfor various reasons. about 75 grand, plus a morgage £23,500. have been intouch with CCCS , but i do not have enough left to pay my creditors , have done the utilities swich ect as martin suggests, and have spent the last few weeks rtrying to sort things…
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Help With Proposed Iva
My IVA was proposed at £200 per month for 60 month then lump sum £12500 from house (Total debts circa 48k). Main creditors came back asking for increase per month to £396.This seemed excessive and my IP has managed to get them down to £300. However, my IP has followed the correct guidelines for outgoings and I am…
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do i have to pay bank charges
do i have to pay my bank charges even after 6 yrs , ive been in contact with the bank and bebt company wat should i do ?
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Iva Costs - Are They Right ??
Hi Guys, Am just about to enter an agreed IVA for £300 per month for 60 months then £12500 lump sum from remortgage, Debts circa 48K. Does that sound OK and are the Insolvency Practitioners costs to administrate the IVA at £1200 + vat per annum normal or is this excessive. This is excluding the £1750 + vat fee they get at…
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DMP or IVA
Hi everyone Just wanted a bit of advice really. I posted on here a few days ago having been offered an IVA through Baines & Ernst. I was encouraged not to go with them and to contact CCCS which I did and I have to say they were lovely . They went through our incomings/outgoings and said we would not be able to do an IVA…
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Help. Loads of searches on my Experian report
I have just obtained a copy of my Experian credit report and I have 47 searches since May 07! Some are as i expected, I think I went a bit overboard there! But some, like 10 from Birmingham Midshires I am not so sure about. I applied for a mortgage with them back in Oct last year which I was accepted for but never took…
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Hillseden Securities
Help required I wrote a while ago that I had sent Hillseden my 1st letter under the Credit Consumer Act on 2/2/08 had a couple of letter saying they were trying to get my file, Have now sent second letter after they have had 12days + 2 days + 30 Days, They now say that the offence of not supplying the information can be…
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Help! (Long - sorry)
Hi all. I have been approached by a firm offering IVAs and it all sounded good until I read Martin's guide. I have more money going out than I have coming in though and am desperate to get out of debt. Here is a rough breakdown: - Bank loan: £ 25,800.00 Credit cards: £ 10,000.00 Flexible loan: £ 600.00 Total: £36,400.00. I…
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help to make money
could anybody give me some tips on how to make easy money on internet sites as im well an truly skint ha
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My first post...words of hope for all.
Ive lurked here for a while and picked up lots of tips. Whilst my debt is not a huge amount its still crippling me! As off 2months ago I owed on 2 store cards and a visa up to the max plus large overdraft. I now have one store card as I paid one off last month and have sold enough on Ebay this month to clear the other one.…
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Advice Please Littlewoods and Debt Managers Ltd
Hi All, Can anybody offer any advice on how i should deal with the following. I have several catalogues who now come under the Littlewoods banner, i lost my job and for months now i have been trying to offer payment with regrads to my outstanding acounts, as my acounts had returned and outstanding items on them i wrote…
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Unhelpful HSBC
Hi There Spent a while browsing through a lot of the threads on here and its (for want of a better word) a comfort to not feel so alone for a change! As much as I have browsed, I still feel I havent 100% answered my own query, so I hope you do not mind me making a post for advice :o I have been trying to make payment…
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Defence in court under Section 78(1)
Has anyone actually defended a claim based on non-supply of these documents? CL Finance have ignored 3 letters I have sent requesting docs and have now issued a CC Summons. Bella
