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When are my 6 years up ?
Hi, I have a default on my credit report from a loan I was guarantor on six years ago, but where the payments weren't maintained (I wasn't aware :-( ). My credit report has the default notice served in Feb 2003, satisfied in March 2003 (once I paid it all off), and Account Closed on 31st March 2003. I'm wondering exactly…
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The DFW Diiiiiiiiiiiiiiiiiiiiiiiiirty Weekend Chat
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j That is all:D See you all on Monday i have too much to do today to be around Although I am sure I will think about you all at the weekend…
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Walking Possession Agreements
Hi, whilst feeling a bit stupid having read previous posts on this subject, I had a visit from a baliff today and did let him into the house to "fill out his paperwork". So I've now got a list of items, some used for work, some owned by other people, that are effectively "his" until the debt is cleared. Might be clutching…
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Offer creditors 1 pound per month?
Hi, I have been professionally advised to construct letters that 'Offer creditors 1 pound per month' which is now clearly understood by me. What the advisors didn't explain is the sort of responses I can expect from these creditors in terms of bully tactics, their failure to respond, sending the heavies around etc.…
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Planning for the future
Ok so i've sat down and looked at my finances, and the good new's is im "saveable" myself and my husband bring more into the household than we are due to pay out on a monthly basis and we can afford to pay chunks off our debt. However from past experience i've realised our downfall into debt occures when we have unforseen…
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where do i stand ?????
i have a company chasing me for a debt 5 and a half years old, the strange thing is my credit file shows it being settled 1 month after default date which was registered in late 03, but i know i never payed it and can,t believe any one else would, any help on where i stand legally would be much appreciated !!!!!!!
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Advice Required, trying to get things sorted
Firstly, I apologise as I imagine there are probably hundreds of these types of threads, so sorry to anyone who is fed up reading them, and thanks in advance to anyone who replies. In the current situation, I am probably quite fortunate, in as much that I have a job that is reasonably secure, but I also have a fair bit of…
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Allclear Finance (Harrington Brooks) - Help!!
Hello, As I have said in previous posts I was in a DMP with Allclear Finance from Nov 06 until Oct 08. You could say Sept 08 was my LBM, although I realised back in 06 that I needed help to sort out my mounting debts and when I went looking for help was advised to go to a Debt Management Company. Knowing no better I went…
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Considering Debt Management Plan
Evening all, I have seen the light at last I think. Bit about me first and then Just got a few questions and need a bit of advice on a DMP. Don't falll asleep , thanks in advance. I need to get myself sorted out I have been out of work for a while and as well as a loan i already had and some credit card debt, I have been…
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Advice wanted
I have received a B136 Notice of an application to register a restriction against the land from the Land Registry. The application was lodged by my ex's parents and states: No disposition of the registered estate, other than the disposition by the proprietor of any registered charge registered before the entry of this…
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Western Union
Hi, Don't know if anyone can help with this, but wondering if anyone has heard of Western Union? Are they legit? I've just had to ring my bank because ALL of my money has been taken out and paid to Western Union - I'm guessing my card has been cloned. Weird thing is, I've not used my card since Tuesday so it seems strange…
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Im quite pleased with my debt-busting :)
Hi everyone, Ive only posted a little bit here, I am mainly on the OS forum. Just reporting that, since Jan 1st, Im pretty chuffed and amazed to have made a £300 dent in the overdraft - so its down from minus £2000 to around minus £1690 - small but good. :j I did it by doing an SOA, then cancelling some direct debits for…
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Advice Needed Regarding Loan Or Savings ?
Hello, First time poster, please be gentle. I have a £18500 mortage and £13000 secured loan on my property. I have enough money in my ISA's and other savings account to pay off the loan. The rate I'm paying on my loan is 5.90% and £110 p/m. Is it better for me to keep the savings in my ISA and other account of would I be…
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At the end of my tether....
Thanks to a company called TBI Financial i now have a CCJ against me. Best bit is they have objected to my rate of payment offer, and the Judge has determined that i need to pay the whole £2500 in one go! I am in a DMP with Payplan, who i suspect has not sent the most recent Income/outgoings to the court, which i recently…
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I want to be debt free before we have a family
Hello, I am new to this forum so please be gentle. I realise mine might not be the most pressing of cases - at this time - but it could get much worse etc and mainly my partner and I want to be debt free so that we can try for children. And I have too many debts, in too many pots and would like some help to reduce them as…
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Beginning to miss repayments - how to do this
I originally posted this on the credit card forum and was directed over here ... I currently have a limited income (self-employed) which may or may not improve in the short-term but I'm assuming (for my budget) that it won't. I have a few credit cards plus a cahoot flex loan. And I'm running out of cash. I've never missed…
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To consolidate or not?
Hi, everyone! Complete newbie here...I owe about £7.5k in various credit and store cards, plus 2 overdrafts. Is it better to just keep plugging away at these individually, or should I consolidate? Thanks Jodie
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Getting My Money Back From Trafford Councils Bailiffs
Hi there;) ,not sure if anyone on this forum has had any dealing with Trafford Council and their bailiff !!!!!! but if you have and think you might have been charged 2 or more van fees for council tax or business rates then you might be able to get 2nd3rd van fee charges back (if applied for 2008/9 arrears) apparently in…
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How Do You Keep Motivated?
Not sure if this is a debt issue, or just an issue of being low paid, or could be a mixture of the 2, Sure I have debts, nothing major really on the grand scheme of things. But I heard someone on the radio today talking about getting a house they said "We've had to cut back on holidays, changing cars in order to save up…
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Someone I can physically sit down with for advice.
Hi all, Does anyone have any suggestions of any organisations me and my wife can actually sit down with, hand over our very detailed accounts to, show our loan agreements to etc. and then sit and discuss the best options for us? At this point we are thinking that an IVA is the best option, but we would like to talk it…
