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Help with my credit report
Ive just been looking at my credit report and theres a bit on it that says CIFAS, and something about fraud, can anyone explain this to me? Ive copied it below, but had to take the details out! Entry Number:F1 Name used:Not my name, a old tennant Address used:My current address fraud type:Category6: First Party Fraud -…
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Credit score...i'm confused!
I'm not a DFW but hats off to you who are :T, in fact I've never had a debt or a loan in my life and only got my credit card to travel abroad with for emergencys (and used whilst I forgot my debit card pin back in the UK!)...however I saw some good cards on here last year when I was looking to get a credit card and really…
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xx Newbie Needing Help xx
Hi All Just registered but this forum looks good and I am in dire need of advice!!!! I've been with Egg for a few years now and have both a loan and a CC. My loan is all but paid off and I've never missed one payment. My CC on the other hand is a different story and has crept up to its limit now sitting at £4,000.…
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confusing credit score
I have just done a smart search om moneysupermarket and they give me a good credit rating, i went to check my file and i git an excellent rating, if these two reports are that good then why have i been knocked back by vanquis and monument cards? anyone have any suggestions? thanks
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Deed of Assignment question
Afternoon, all! I requested a copy of the CCA and Deed of Assignment from a DCA - after much faffing about, all we recieved was a copy of the CCA. They sent with it a letter stating that as they were not the 'owners' of the debt, they are not obliged to send a copy of the Deed of Assignment, and that they were not in…
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Spending Diary
Hi I need to start a list to get a realistic feel for where my money goes each month. I know I can just write it down in a diary but does any one know if there is a PC based tool I can use? Thinking of something like a spreadsheet I can enter daily amounts for 'cup of coffee', 'food shopping', 'petrol' etc that would then…
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now 12+2+30 days is up and iam still receiving demands for payment.
Hey guys... :beer: I sent a letter to simplybe about a debt ive been paying monthly to them on a payment plan (with reliable collections) who is part of their company.. The letter i wrote asked for my signed credit agreement.. they sent me a letter saying they dont have this, but sent an agreement (no sig from me) along…
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New Dvd player Includes manual 4 Better player!
I don't know if this has happened to anyone else? Ive just bought a Panasonic portable DVD LS83 for £155 and it arrived this morning. I was dead pleased until I read the instruction manual and certain features were "LS86 only". I was just thinking how great these features were until I realised they weren't included in my…
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paragon/transcom cbs
hi new to this but here goes. in 2003 i joined cccs as money got tight after job transfer (forced). just after christmas i was notified by cbs transcom that they now owned my dept from paragon @12,000. confused as when i origanlly started the dept plan it was only 8000. after various letters it transpires the paragon were…
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Shoosmiths solicitors
I am being pursued y them for a credit card debt that was with Morgan stanley,now with Cabhot(who I have not heard from?).They want me to fill in an income/expenditure form which I'd prefer not to do,as I am self employed and cant gurantee how much I'll earn each month. Also can I get a CCA off of the or do I hve to pursue…
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Pap/Moozies What have/will you spend Thursday 22nd May?
Good morning all:D Pay day today, so going to pay £75 into savings, can't afford any more this week as need to get a few presents for my children's birthdays they are a week apart in June, but want to get them out the way, just a few bits to open as thier main pressy is an annual merlin pass ( already bought ), so we can…
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CC Debt Shuffle
Ok I have 6 Credit Cards, but need to shuffle them around to make the best use. See below: Mint CC 0% for 9 months balance £1800 (limit £2500) Egg CC 0% (runs out June) balance £2700 (limit £4500) Amex CC 15% balance £700 (limit £1500) Amazon CC 9.9% balance £700 (limit £7000) Virgin CC 0% for 15 months (just applied, been…
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Daily Chat 22nd May
Morning all. Just want to say a massive thanks to everyone being so supportive to me yesterday. It really is much appreciated so sending a dodgy 3some hug to all of you. :grouphug: Bit of a busy day here. Have CAB this afternoon and a pub AS party this evening I've got to prepare for. Looking forward to it but just a bit…
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My own diary to keep me on track
PLease deleate i somehow posted it twice. Angie xx
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Thursday 22/05/08 What small dfw things will you do today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Loan Default/Mortgage conflict
Hi, we are £27k in debt & can no longer keep up any pretense with the credit card companies. Currently considering whether a secured loan would be best for us or whether to go to CAB to see if they can help us negotiate with our lenders. The one big issue that puts me off of that is that our bank accounts & our mortgage…
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Got made redundant today
Life's about to get interesting!
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What does FSO stand for?
As above?Cant think what it could be?
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What do ya all think to this then? Are we being tricked?
right folks here we go. We have been threatened 2 months ago by a dca called marlin with court proceedings and ccj and charging order for a debt that is being managed by dma payplan. Marlin bought the debt from a dca called metropolitan last year and sent us a letter telling us. Nothing has come through post from marlin or…
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Help and advice please
Hi Everyone. All help and advice is greatly appreciated...... I've been on a dmp for over two years, but I'm on a free paying one and hence looking to take over it myself. As of February 2008 my balances according to Churchwood (who my dmp is with) were: Blair Oliver & Scott ( Sainsbury's) £5031.89 Blair Oliver & Scott…
