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trying to sort out credit score - alot i dont undertand..can u help ?
I'm going to start off by apologising for the sorry state of affairs of my credit report - pls be gentle with me! I have as yet only checked Experian. I have loads of questions perhaps you can advise on. 1. I'm not on the electoral roll - would this have a huge impact on a credit requests ? (managed to get a vanquis card…
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** How Long Did It Take Each of You?? **
Hi guys & girls, We all start our debt free journey with an end date in site, sometimes if we are lucky this arrives closer than we expected to, but for some when 'life happens' the date seems to get further away. Just wondered how long it has taken/is going to take each of you to be Debt Free and whether this date has got…
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Allied International and their yellow card
After sorting out a F&F with BLS RE: hubbies cc, I now have Allied on my back regarding a loan i have had trouble keeping up payments with. Have sent the usual "please accept token payment until finances improve" and also spoke to someone at Lloyds about my difficulties of late, only to be met with "sorry, nowt we can do".…
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Soa
Hi, My husband has a car loan which i am a guarentor on. We split up last year and he completely stoped paying it! Anyway we have since sorted things out and i am helping him sort out his debts. The car loan has been handed over to a solicitors called shoosmiths. He was paying through a DMP but that meant that with his…
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help -please need to decipher a letter from 1st credit
i sent a letter disputing a united utilities debt and recived the following reply but it makes no sense we refer to your recent communication requesting a copy of the relevant agreement. the document you have requested is retained by our client. we will thefore advise them of your request and arrange for the document to be…
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Job dilema
OK, here is the situation. I am in a job I love. I've worked there for 10 years so it's pretty much all I know, I have been very lucky over the years and had many opportunities and there are probably more to come. The current role I do with my company is great. I work my own hours over Mon-Fri and each day is always…
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Help facing repo/Bankruptcy
Please could I have some advice on my current situation. I have a 100% mortgage taken early last year for £113,000 with G.E Money. I also have a 10,000 and a 6500 secured loan with Welcome and black horse respectively. Repayments on the mortgage stand at 674 a month,256 to Welcome and 136 to BH.I earn 1030 take home and my…
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help what to do next? re statute barred
ok recieved a letter from thames credit regarding a debt which is statue barred as is from 2001 sent statue barred letter and they have sent back the following response and i dont know what i should do further to your recent correspondence in connection with the above referenced matter. in order to assit ud in…
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**Daily Chat Thread 25th Sep 08**
Normal Fly lady service will be resumed next week, I am just working my way through the ironing mountain at the minute.....doing a bit a day while catching up with all the carp I sky+ while on holiday! Study day today however, which makes me ask the question of Maz the Geek, when are you starting level II:rotfl: Hope all…
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Thursday 25/09/08 What small dfw things have you done 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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Pap & Moozies what have/will you spend Thursday 25th Sept?
Goooooooooooooood Morning:D hoping for a nsd today .I have packed up my lunch ready for work. have a great day and keep it low:D
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Barclaycard/Mercers - Don't give in
My first time in any forum. I feel the need to write after all the help and encouragement I have received by reading other people's experiences. Here's my tale - Barclaycard have been using every tactic under the sun this last 9 months to get me to increase my affordable pro-rata payments, despite every other creditor…
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credit card debt can't pay
Can any one help me, I have taken out about eight credit cards over the last seven years while I was unemployed, I have not missed one payment, but I can not afford to pay them all back the minimum amount each month anymore, it has all come to a head. My partner is on dla and he has just found out about all the debt I/we…
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Council Tax - Their mistakes have resulted in court action!!!
I am having some problems with Brent council and council tax which i would like some advice on. i have lived in the house as part of a house share since i moved in in june 2007 as one of 6. in june this year, everyone else in the house moved out and i found 5 more poeple to move in with me. the old housemates were in…
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Newbie here
Hi everyone, I am just about to face up to my £38000 debts with a DMP with CCCS, any advice?? Do you think they are good? What happens if creditors don't accept my reduced payments??:confused: Thanks Nikki
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Midnight's Debt Mountain
Hi everyone, some of you may remember that I started my own debt diary some months ago and, to be honest, I was doing really well at facing up to the debt and controlling my spending, and I was beginning to feel that things were starting to go right. Sadly however, I had a few nasty set backs along the way and, to cut a…
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Overdraft/Interest help needed!
Well, first post on here so go easy on me! I'll try and keep this as brief as I can... Basically, I have (well, had) a Sutdent account at Halifax, along with a £1900 interest free overdraft. Now I'm no longer a student, my overdraft is not interest free and I'm being charged nearly £30 a month in interest. I didn't qualify…
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Voluntary repossession
Hi everyone, I'm new to this site. I urgently need some advice. We have decided to hand in the keys to the lender. We can't afford our mortgage payments. We were on an interest only mortgage. It is a new built flat and now we're in negative equity. We have moved out to rented accommodation and the flat is now empty. I want…
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Evan's DFW & Wedding Diary
I'm back, with my tail 100% between my legs. Why? Because we should have been DF by not, and clearly, we're not. In fact we're no closer than we were at LBM. So, I think LBM was a flicker, and now it's actually on. I've sat and done my budget for the whole of next year, and we can do it, well most of it, by Xmas. As well…
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Joint secured loan after repo
hi quick question me and wife separated last year home got repossessed and now left with shortfall of 21 ooo which was secured on house so will have to go bankrupt questions it was a sole mortage but joint secured loan As we are separated don t really keep in touch and im going to have to go bankrupt i think as can t pay…
