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Equifax and financial association problem!!!
Hi folks, This is a bit of a strange situation (At least it is for me) so Im not sure if anyone could give me a definitive answer, but here goes anyway. Ill try to keep it as brief as possible. A few weeks ago I joined Equifax via their free online trial and set about checking my credit report. As expected, it showed me as…
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Advice Please
Hello all, I am 26 years of age and in a little bit of a muddle. Had loads of credit since I was 18, and never been CCj'd or anything. Most I have done is missed a few payments. The last six months has been difficult for me and has saw me rattle up alot of debt mostly on credit cards. I went through a spell of missing…
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debt collector calling at house pls help!
hi everyone, long story short, my daughter owes a debt to abbey, moorcroft took this debt on and have now sent a most peculiar looking fella who turns up in an old battered van wearing a baseball cap not at all proffesional looking! i have dealt with him as she is too young to cope with this, i told him she had written to…
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debt free wannabe
Well guys you can see im well and truly upto the neck. i need advice on getting back in the black. a few pointers the net income for me is a guaranteed £1000 sometimes its a little bit more as im doing two jobs driving instructor and owner driver courier, thats why we have 3 vehicles. so in the morning i do courier work…
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Bailiffs and Council Tax, threatening me!
Hi im new to this, and have read as much info as i can, i live on my own, have a fulltime job but had got into debt with numerous bills since my partner left me months ago. I owe 1700 council tax and have been getting numerous letters from the bailiff, i made an agreement over the telephone just before christmas to pay 50…
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Shall I get rid of Barclays account?
currently we pay the £6.50/mth and get added benefits of free CPP/mobile insurance/RAC cover. however overdraft is £2300 and desperate to get rid of that ALONG WITH £2000 virginmoney credit card. Which is best to tackle first. Other than the above two debts we have a loan of £7400 with A&L at 6.9%APR so just considering…
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what to tell creditors?
besides putting income and expenditure how much more info should i put on my budget sheet? should i give them details of my assets?
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SOA help please
Hi, I've done a SOA (without the typos this time :o ) and I was hoping for some advice on where I could cut back a bit to free up some more money for debtbusting. It looks relatively healthy right now :j but DH is going to be made redundant next month so I really do need to reign things in in a bid to ride it out until he…
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Ok- New Start but not sure what to do
Hi All I have come across this site but lurked for a while. I did the budget thing and had a shock, been over spending etc and now in a mess but a manageable one i hope. I bit of background. I am married and 29, have huge mortgage and a lot of debt, some through my own fault but alos becuase for 6 years i have suported my…
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Newbie SOA help please.
Hi, I've finally decided that instead of starting another expensive new obsession I'd start doing something slightly more useful and SAVE money instead of spending it. My husband has recently been told he's to be made redundant which was a bit of a kick up the @rse for me to grow up a bit and get my spending in check…
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I didn't realise it was as bad
I'm a newcommer to posting things on the web + have finally plucked up the courage to seek help. I run my own business + have just done the SOA calculator + scared myself with the results. the shop is £35k in debt and i am so scared i don't know how to reduce it. i have cut back stock already to minimum, i have no…
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tips for improving my credit score Please
Hi all, I'm new to the site but i'm sure i'm in the right place after reading many of your posts. I would love tips on how to improve my credit score. At the moment its rated as poor on the experian site, All my payments are marked as satistactory (ie. i'm paying them off on time) i did have a phase where i missed 4…
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Mackenzie hall/Lowell Portfolio 1 ltd
Hi guys I posted around a month ago that Mackenzie Hall had sent a letter asking me to contact them but no further details. Today I got a second letter from Mackenzie Hall stating the client is Lowell Portfolio 1 Ltd and the outstanding amount is £634.89. They have offered me a Time Barred offer of settling the balance…
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Help!! Asset link Debt Collection
Hi, Sorry, this is a bit of a long one!!! My dad was recently a victim of fraud from his son. My brother, amongst other things, got my dad to sign a loan agreement for a car that he wanted. He was the registered owner of the car, and made all payments. In August 2007 he did a runner, not having paid for the car for several…
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£20k in debt i need help !!!!
Hi everyone, would appreciate any help i can get. I am 35 and have debts of approx £20k i really want to clear them as my monthly salary has been dropped by nearly half so have no way to keep up payments. i have no savings but approx £25k in pension plans and my idea was to use this money to make me debt free but the…
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Council tax arrears & CRAs
Good morning all, Does anyone know if council tax arrears get reported to the CRAs? I know a friend of mine got into bad shape last year with a liability order from council tax bailiff dept but nothing ever appeared on his credit report. Someone supposedly in-the-know told me that council tax arrears do appear on your…
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Just looked at my credit file for the first time...
I just looked at my credit file via creditexpert (experian) and I'm confused. It has listed some of my accounts but there are two major ones missing plus my Egg banking account shows that it is fully settled but I know that there is at least 3k outstanding dating back to about 2004/2005. What can this mean? I doubt i'm…
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MBNA - reduced full and final settlement
What % of the debt is the lowest that MBNA would accept as a full and final settlement regarding credit card debt. Debt is around £17,000 !! Anyone know? :confused:
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CCA Capital One
I took out a credit card with captial one last November. Received the following letter on Friday from them. 'Please find enclosed a copy of the financial details of your Credit Card Agreement which were applicable when you opened your Capital One Account. We have sent these as the original copy which came with your credit…
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paperwork!
I have now began a dmp with cccs, however am wondering can I now get rid off all of my old credit card and bank statements, as all of these debts are being paid via the plan? Or do I need to keep them?
