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Will checking Experian unearth skeletons?
:eek: Hi, I would like to know whether checking out my files on Experian etc would potentially unearth skeletons in the cupboard, ie meaning, IF there was something from ages ago that I may have missed, will doing a search (presumably I have to provide my current address?) wake the (potentially sleeping) dogs and make them…
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New Dfw Member :)
:DOk, Vaguely in the past remember being a DFW, Well im back and this time im kicking the debt for good, From last time an update: Satisfied both of my CCJS :D :D , Manage to get a vanquis and capital one and contract phone to build up my credit rating again, Know what we got left to get rid Lloyds TSB = Approx 400, -…
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Crashed vehicle - Where do I stand on declaring it to the OR?
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Co-op Bank Who Is Linked???
HI, ive just opened a co-op bank acc, as i am in reducing my creditcard payments. I am at present with barclays but i dont want them to close account when i start making reduced cc payments. Can anyone tell me if the Co-op are linked to any well known credit cards? Thanks
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Default removal automatic after 6 years?!
hello! I've come across so much conflicting info on this... If you have a default on credit report that is over 6 years old (6 years since default date and status is 'settled') and the account is no longer active should the credit reference agencies automatically remove it from your report? One of the agencies (Call…
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Default please help me !!
Hi, can anyone tell me if i recieved a default notice under 87, stating i have broken terms etc and to remedy in 17 days, if not a termination letter will be sent. Does the letter of termination mean they are going to take me to court, or does it mean they will pass the debt on to DCA?. Many thanks im very stressed!.
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My SOA - comments please
This is our SOA. We've recently reviewed and reduced our: -utilities, -car insurance, -household insurance, -travel insurance, -telephone package, -Sky television, -mobile phone packages. I also work as much as I can for AQA and sell on eBay, making approx. £150 per month, which I haven't added as it isn't assured. Our…
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Barclays Bank.....
I know i have another thread running but just wanted to pick your brains on this one..... As said in my other thread i have been on the sick with a bad back after slipping on the ice 2 weeks ago. I am getting SSP but i am losing my job on 9th March as my contract isnt getting renewed. I checked my bank balance with…
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Which DMP company to use?
Hey i'm in desprate need of a trust worthy DMP provider who do u recomend?
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Capital one F and F offer
Hi all Recently sent a letter to cap 1 with an offer of full and final settlement on a debt. Got this reply this morning. "Thank you for your recent letter Unfortunately, i am unable to action your request because you have not signed the letter you sent us.Please send in your letter again with your signature on. yours…
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Christian against poverty debt help
Has anyone used Christians against poverty debt help service? I really need to see someone asap but I think I will be better trying being with someone face to face?
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Newbie needing SOA advice pls!
Hi i am new to this. I had my light bulb moment today when i was reading the articles on this website. Do i need to contact the free debt management charities? or do you think i should just do a fixed amount on my repayments? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Bank took wage even though they'd closed my account
So HSBC recently closed my accounts without notice. It was overdrawn at the time. This I could deal with but later in the month I hadn't gotten a new account setup anywhere so I told my personnel manager and he said he would pay me by cash that month. I also went in branch and they told me that in this situation, when…
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Bank Transfers- Nat West
Does anyone know if it is possible to do an online transfer from one Nat West Account to another that will clear straightaway? My son has just realised that he doesn't have enough to cover a DD in the morning, I dont have a NW account but my other son does, and I was wondering if son#2 transfers some funds tonight into…
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help with defaults please
Hi can anyone give me some help on how to remove defaults? I have been reading this site a lot and was thinking of asking creditors for a CCA then if they have one offering to pay the balance in full providing they remove the default is there much chance of them doing this? Any other ideas on how to get defaults removed.…
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Welcome Finance - grrrrrr - advice needed :-)
Hello! Up until August last year I had a lovely full time job which included a car allowance, so I had got a car stupidly through Welcome Finance as my credit rating wasn't great and I desperately needed a reliable car. Now I am back to being self employed after being made redundant and am trying to voluntary terminate the…
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Newbie Help Please
:eek: Hello I am new to the site, realised this week I am in a mess when I dont have enough money left to buy shampoo!!! I have done the SOA thing and the results are here. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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My SOA Help eeek
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Wanna stay, as per Lydia J
I have been posting on another board and Lydia J said it would be a good idea to post my dilema on here. Ok bit of a long story so if you can bear with me please. I basically need to move house and sell up. We have virtually no equity in the house (prob in neg equity with the current climate). My ds who is 4.5 is Autistic…
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in debt, unemployed and dont get benefits
hi there hope somebody out there can give me some solid advice on this matter. quick rundown of my situation. me and my partner have shared a house for the last 3 years, i have been unemployed for almost a year, my partner is currently off work with illnesss and has been for over 2 years. i dont recieve any benefits as we…
