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Odd Credit Search.....Can anyone help?
Hey all, Just done a credit search on my self and i'm a little confused with the result. On the previous searches page I have had a search done by "Shop Direct Financial Services Ltd" the odd thing is I have not applyed for credit in the last 6 months and more weird than that the credit search has only been on my old…
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Is this affecting my credit rating?!
I moved into my property 6/7 years ago. The previous occupier had got into money troubles, and ever since then I have received payment reminders, final warnings and even the odd knock at the door! All has been quiet for the past few months and today I opened a letter to find that it was actually addressed to the previous…
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Good luck everyone
Hi all id just like to say good luck to you all :beer: With christmas one the way is so easy to splash out On your card So keep focused of being debt free:j Cut back:T but still have a good time:rotfl: :beer: :rotfl: :j :T All the best and good luck:A
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My Debt Free Diary..
Ok so i thought i would jump on the band wagon and start a DFW Diary. Although my debts may not seem much to some, they are alot to me and in this current climate i am finding it hard to get any kind of credit, which does shock me when i see how much credit my sister has.. but anyway, i will take it as a good thing that i…
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Cancelling the Gym...
Hi folks! i hope you can help... My local Gym is closing down on December 7th and they dont have a new site opening in the city centre. They sent me a letter to let me know that my membership will expire on the 7th of December. In the mean time i saw a very good deal elsewhere so i cancelled my direct debit with the old…
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Newbee
Evening guys (and gals), here is my story - I am 27 and haven't ever been that good with money if I'm being honest. However over the past 2/3 months my partner (she is 25) and I have been cutting back on things. 2/3 months back our budget looked like:- Wages In £2700 Mortgage £780 (Abbey) 2nd Mortgage £167 (Nemo) Council…
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Credit card charges out of control.
hello everyone i am new to this forum but been reading you for a while and i find this site very useful. i have being trying to sort out my debts. however i've got a halifax credit card i haven't used for more than 8 months and i established a direct debit to pay it off. however i missed a few payments du to insufficient…
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Has your bank helped you get out of debt?
I was wondering if your bank offered to help or has some advice guides that have helped or would help you get out of debt? If this is the case how useful was their advice? I am just curious to see which banks are helping out their customers and what you think of their advice Thanks Muscles
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what would you do?
I made a complaint to the Financial Ombudsman in about June of last year. My complaint was against the company Wills & Co, who I believe mis-sold me shares in a company called Trixter. I paid just over £4,410 for 30,000 in Jan 04. Having bought shares with this company before (and subsequently lost money) I knew that the…
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Default Notice removal?
Some time ago in fact it was 2005 when I remortgaged my property there was an amount of £232 which wasn't cleared out of a secondary acc and for some reason the previous lender issued put a default notice against , this was cleared as soon as it came apparant that this is what had happed but doesn't look good. How do I get…
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equifax refuse to remove 2008 searches for old debts
Hi All Have had a search placed on my file in table one which lenders can see, this search was Nov 1 2008 for an old debt some 7 years + ago, i have not made a payment on the alleged debt or acknowledged it ever for 7 years +. so sent this letter to equifax and j2 solutions and received the letter below from equifax, any…
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stick or move?
i have a consolidation loan with benificial finance for about £35.000 i was wondering if you can move a consolidation loan to a better deal or if it's wiser to just leave it where it is?
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Deleted
The organisers of this competition have asked me to remove the post. sorry if this is against protocols.
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Council Tax Scotland - Bank Arrestment
I live with my partner at a house we own together We pay Council tax as a couple on this property. I own a property by myself which at the moment is for sale and empty. There are arrears on the property. The Sherriff officers have obtined a Summary Warrent for earnings and bank arrestment. The Sherriff officers appear to…
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can I just say thanks :)
Hi all who post on here, Although I have only made a couple of posts myself on this excellent forum, I read it regularly and would just like to thank everyone who posts advice etc on here, It has helped me out of a dark dark place concerning finances. I am still amazed how kind and understanding people are who come on…
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Bailiff urgent help
last week i recieved a hand delivered letter from rundle and co stating that they have been to my home for clearance of goods, and will be back within 48 hours, they still havent turned up, i rang the council today requarding them coming round and told them the total due seemed a lil high, i was told when the council tax…
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Haven't opened mail or paid bills for 4 months
I have longstanding psychiatric problems and find it nigh on impossible to deal with paying bills most of the time. Today I've finally managed to face opening the mail, mainly because I've come into some money which will help me pay some of the debts. One of my bills is for a lloyds credit card. I've not had a card for…
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Taken to court over a disputed debt ?
HI , as you may know I have a thread going about CCA request updates . What I want now is for people to use this thread to tell us all about any successes at court , ie claim thrown out , or claimant withdrawing before it went to court . Please this is not meant to be a decussion on the process , that can be done else…
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Repossession date
Hi, i know my house is due to be repossessed soon as i have had a letter from the solicitors saying they were applying for the repossession (i have already avoided it 3 times and give up now). I got that letter 3 weeks ago but have not had the bailiff/court letter with the date. Apart from ringing the bank or solicitors (i…
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christmas donation pressure
I really dont want to sound selfish here but as christmas gets closer im expected to give a small fortune to charity. As a family we give money to a charity through the year, then at christmas we always do something like the oxfam unwrapped gifts. this year we have sent a cow, and animal feed and shelter. we like to gvie…
