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problem on credit report what should I do?
Just got my Experian report through and theres a problem on it but I'm not sure what to do. In the long term the problem might benefit me. Its recorded against my loan that I'm Gone Away despite the fact that I'm still at the same address and still making payments to them as per my DMP. This is possibly good because its…
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Debt management
Am new to this so apologise if I am posting in the wrong place - I think this is the most appropriate place. I'm trying desperately hard to get out of debt and in the process discovered a debt management company. Does anyone have any knowledge of Harrington Brookes? Any advice would be gratefully received.
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am i liable for bailiff fees
My local council have reffered me to the bailiffs for council tax arrears. I called the council and they refused my offer of direct debit and said i have to deal with the bailiffs and they would not help, as i know this to be untrue i set up a standing order and have almost paid off my council tax in full, i have about…
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Moral issue with ex, OH and repaying a loan - advice needed please!
A question... One of my debts is an unsecured loan with a balance of somewhere around £7865 (that is the most recent figure I have, from last October) with Intelligent Finance. The interest is at 12.75% which I am hoping to negotiate (worth a go!) as well as taking the PPI off, but at any rate before I've done any of those…
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GE Money Court!
Hi All, l just need a bit of advice really, as some of you are probably aware l put in a claim through mcol against ge money, then 4 days later they put one in against me for the same account. l have recieved an AQ to fill in as the defendant, but in the post also recieved an offer of settlement as the claimant. (with me…
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need help on my dwp plan
:confused: hi i am confused by something I am on a dwp plan with dfh (did not know about this site then), for about 6 months now. In the meantime I have been receiving phone calls from one of my creditiors, often on a daily basis, and had greatest pleasure telling them to s*d off (so to speak). I received a statement from…
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CCJ help
I have a CCJ on my credit file from 2005, however I have just noticed that the date of birth is incorrect on the judgement. Can I argue the CCJ on these grounds and if so what would be the chances of having it permanently removed? Thanks
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self negotiation plan
has anyone had any of the debt help agencies suggest try self negotiation and if so what have your experiences have been? have any of you had any success with this method?
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Default on Credit File
Hi, I have just done a credit report through equifax and it says in November 2003 (when I was young and silly I defaulted on a current account for £413). This was then settled in Jan 2004. I have a couple of questions with regard to this. The first one is does this come off in November this year or January next year? If it…
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Super excited
Sorry to shout, but I'm excited because I'm about to get a tax rebate of £1300!! Nobody except you guys will understand just how great a feeling this is knowing I will be able to slice another chunk off my debt!! :T And I have to say... for the first time ever... I'm glad the tax office messed up because if I had been…
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Going round in circles
Its decision time need to make the choice of how to deal with my debts. After spending a week looking into the options with the help of CCCS and Payplan I have 3 choices. 1 To offer a token payment of £1 to all of my creditors (CCCS) 2 To consider bankruptsy (Payplan) 3 To continue as I am and try and cutback elsewhere (me…
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got the credit agreement from marlin
after dps solicitor sent them his signiture without him knowing, anyway it has dp as main customer, his ex as joint customer balance was £7848.72 balance now £7605.83 missing amount £242.89 car was repossed so this £242.89 might be auction amount if so no payments were made so will be 6 year barred as date was 14/11/2002…
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Bankrupcy form
Hi Guys, I filled out my Bankrupcy form last night but just as soon as I posted it I reliased I marked down my girlfriend as the house owner instead of my landlord.....doohhhhh.......will the OR notice and if so does it really matter? I look forward to your replies. Many Thanks Bromarc
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Full And Final Progress
** The "Current Monthly" amount was set by CCCS - the original amounts were massively higher which is why I went onto a DMP in the first place. I am now going through a divorce and the house is being repossessed (not listed here as I don't know what the shortfall will be yet). The silly thing is I can just about afford to…
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Need Help ASAP
I have previously written about a provident loan i had from 4 years ago, which i am still paying as i forgot about it, had phone call last night from manager and they are calling this morning at 9.30 to discuss a rejig of my account. This is what they want to do : Add both loans together keeping it the same amount but all…
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The company is there to make money
The subject says it all really. I first saw this fact emphasised in Martin Lewis's book when I first bought it about a year ago. Although I've always been aware of it, reading it in print crystallised that fact for me. Yet companies use all manner of persuasive techniques to convince you that they are only trying to sell…
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**Its Flyday Daily chat thread*****HAPPY BIRTHDAY BUNNY!
Ey up gang :D late start for me today (taking kids to school) and I thought....daily chat - but there was none !! So, hope you all have a good day and no disasters :eek:
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Friday 13/2/09 What small dfw things have you done today???
:D 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,…
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One step forward two step back
Be warned Ranting Post After months of trying figure out which is the best broadband provider for our needs with best connection and unbeatable price, I decided to stay with Orange. I have terrible network connection with Orange and was going to leave them for 02 whom have the best signal for my mobile in my area. Not sure…
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CCa request to capital one. They sold the debt!
Ok so I had a credit card with capital one long story but they were harassing me a lot (6 calls every day). So I requested a copy of my CCA in the end of December, they received the letter 30th December, Mid January I started to get phone calls from Debitas legal services, lots of phone calls. I tell them over the phone…
