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How Can I Remove A Default From My Credit Report
Hi I'm hoping someone can give me some advice. I have recentley checked my credit report and found out i've just had a new default added by Capital One:mad: ....I informed Capital One of my new address back in April 08 but my details were not updated. I continued to receive statements until May as my mail was redirected.…
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Facing up to the facts time :(
Hi everybody Have read the excellent guides on here before posting hope i have gathered enough information. I actually feel a little bit better just collating all of the figures i owe after ignoring them for so long. Whats my motivation? I will be looking to get a mortgage with my partner within the next 18 months, with my…
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Please can anyone give advice on this???
Good evening peeps. - A few weeks ago I received a letter from lowell to say I owed money (£32.64) from a 3 mobile contract in 2004, I have never heard amything from 3 themselves!! I actually don't believe I owe it either, so I called them and asked them to prove it and after a while then he agreed to it, however I…
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I've made a start - but not sure how to go on....
Hi Guys How are you? New to the board. Quick background - 30 years old, single with mortgage and bills. Not on particularly bad money - but not on great either! Why am i here?? - After ignoring my online bank account last month. I took a look and what I saw scared me! My new design of bank statements showed my I'd…
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HBOS and my vist to CAB
Had an appointment with CAB and just before I left a letter from HBOS arrives. First one I have had in two years but now they have updated my address partly updated I might add they have now decided they can double my charges to £1295!!!!!!!!!!!!. Funny that on 7th November the charges were £615. Anyway nice lady from CAB…
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bank and recovery problem
well my case is different from evry one n weird as well last year 3rd of nov i sold my roles watch up2 £5000. the guy who bought that watch transfer money into my account, it was saturday so i went to change in beurea to get it into euro's. i went to thomsons n gv my bank card n type my pin code n gv me idds.after…
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Help This New Wannabee!! :(
Hi there, A new wanabee debt free person here. I am 25 year old from Newcastle and in approximately £7500 worth of debt of which £2500 is an unsecured loan. Im afraid ive been a very silly boy and have ignored letters and phone calls for about 5 years and this has resulted in CCJs which i also failed to keep up payments…
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Bailiff question
Hi We have had a letter put through our door from Stanford & Green bailiffs saying they called to collect council tax arrears of £496 there is no breakdown of costs on the letter and when I phoned the council they said the liability order ammount was £325, as far as I'm aware they have only visited the house once (when he…
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Climbing back on the DFW waggon in 2009!
2008 was a particularly bad year for a fair few of us and the Debt Busting took a back seat, this is to try and get me and others fired up for debt freeness again!
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how far have you come this year?
in the middle of all the bad news with the economy i thought it would be nice to see how far people have come this year? at the start of this year i didnt have two pennies to rub together i litterally had to raid the penny jar for a loaf of bread and even resorted to buying £1.90 nappies for my little boy:eek: . i had 2…
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Anyone wish they hadn't gone on a DMP?
Hi everyone, A DMP is just one thing that I may have to consider soon, but I really can't decide whether to struggle on or to give in to it - I have read on many threads that people have said it is the best thing they have done, but I wondered if there was anyone who wished they hadn't entered into one. Please everyone -…
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Me vs HSBC/Capquest/Metropolitan -- PLEASE HELP!!
My apologies in advance for the length of this post. It is my first post and I need to give all of the relevant background information. Thanks in advance for any help and advice given. I really am desperate! Earlier this year, after many months of trying to keep my head above water, I defaulted on my HSBC Credit Card…
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Credit card debt
Hi all such a great site. Got into debt quite a few years ago £60000 and to cut a long story short ended up after an failed IVA dealing with the creditors myself and im still paying them, its taking years but eventually will get there. Problem is I applied after 6 years for some more credit cards and had a new kitchen and…
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changing mortgage to interest only ??
Hoping someone can advise me I'm in a bit (ok lot) of debt and struggling to find work (self employed decorator) and was hoping to change my mortgage to interest only. I'm just about to go into a DMP arranged through CCCS and need to cut down everywhere I can. My mortgage is 140k, and my house value is 240k, and 2 weeks…
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Debt Letters for someone else
Hello All, The people we bought our house from (some 4 years ago now), had a lot of debt. We are still getting debt letters for them. is their anything we can do about it. we tried returning them with now know at this address, when people call we tell them, their moved out 4 years ago. but still we get them over and over,…
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Barclay Card Debt Letter over 10 years old - need advice x
I had a Barclay Card over 10 years ago which my Ex used - this was being paid off by my Ex. When I moved out he assured me (me stupidly believing him) that this was continuing to be paid until I had rude awakening and recieved notification by Experian in November 2006 that I had a CCJ court dated in January 2000 for nearly…
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Gone and done it
Hello everyone... Just to let you all know that as of 09.25 today, i have been bankrupt... I want to thank you all for the support and advice that you gave, and i never even had to swear in front of the judge.... Regards Karl
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Where to start?
Ok, I have been on here on and off for a couple of years but now have finally decided we need to make more effort to get our debts cleared so we can eventually move in a couple of years, I think I already have a good idea where we can save money and will be starting on those things today but am aware there will be things I…
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Asking for a reduction or freeze in interest?
How does this affect your credit rating if you carry on paying your CC or store card without any default? I'm paying things off nicely because it is my debt but since losing my job I wondered if they could change interest rate until I started working again. I have no intention of letting any more debts stack up!
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Wooooohooo :)
Hello guys and girls :) I just wanted to scream from the rooftop that i have today cleared 3 accounts!!!!!!! YAYAYAYAY lol I now only have one - ok one biggish one - but still only one account to crack!! I received advice off here that i shoulld clear my HFC finance first as this is the highest interest. Although, when i…
