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HFO Services Harrassment
Hi guys, I had a loan from Welcome Finance about 6 years ago and never repayed it all. They sold the debt to HFO services and i was paying it back in installments up untill about 12 months ago and now they have wacked on a load of charges and are harrassing me, my parents (whose house i was living in at the time of the…
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Advice needed about proving we don't owe
Hi all My husband has been getting letters from a variety of debt collecting agencies with regards a virgin media debt he apparantley owes. He rang them and they gave a previous address he lived at where he had an NTL account. He Called Virgin who have taken onver them and they said it was from 2007 - Sept and Oct. He last…
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Will we get black listed? So worried :(
My partner has owned his own house for 4 years now, but the past 2 yrs he has been getting bills, letters etc for the previous owners, they have recently set up bank account with barcleys yet they moved over to spain 4 years ago? And now norich union? My partner has been to the police who told him to contact barcleys which…
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Moneyexpert
Dont get mixed up with this company and martins moneysavingexpert.com i have I recently ring this company thinking it was this one every thing sounded good, they asked for £100 to go ahead with the iva. THey sent the documents out on reading the small print i noticed i was giving them £83 pounds per payment of £200. I…
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Marlin Financial Services Ltd
I have received a copy of my credit report from Equifax and there is an entry for the above, who I had never heard of, i've never had any letters from them and they've only just appeared on my credit file. I have phoned Equifax and they gave me a contact number which I tried but it is a wrong number. Any suggestions on how…
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BR 2moro!!!!!!! I'm stressed!!!!!!!!!
appointment at 10.30 rang court, they said they wont help with any of the forms and will turn me away if not filled in correctly. not good seeing as i never got to the cab to get them chkd. if they refuse me im defo up !!!! creek as this month is my last wage and will basically have to wait for someone else to make me br.…
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A Question on your partners debts
i'm wondering exactly how i stand re my partner's debt, my partners past keep creeping up on her and to my surprise, We're suppose to be getting married in july which we have managed to save up for :j , but i new letter has arrived chasing payment of an old debt of my partners she knew nothing about and im concerned where…
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Any help !!!
Hi i am new to this board, i have just split from OH after finding out he has been having an affair (again):mad: and am trying to sort my finances. I have done a SOA and any help will be appreciated. Is it worth asking the credit card companies to freeze interest for a while and will this affect my credit rating?? Ex OH…
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£3k on credit card, savings in ISA - should I use them to pay off?
Hi ya My husband and I have been really good and cleared £2k of overdraft since the beginning of the year. We have 4 months salary saved in a stocks and shares ISA, but we also have £3k on a credit card (which we used to buy a new kitchen) I am sure we can pay this off by the summer, just by moneysaving. However, I…
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catalogues and CCA? re post, where do I stand?
hi, I already posted on this but didn't get a definate answer really, if I have a number of catalogues that are in arrears but I NEVER signed a credit agreement where do I stand? Most of these were taken out AFTER 2007 which is a big thing I believe something changed then? Any advice appreciated.
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Really poor credit score...
...and I'm not 100% sure why. I've had a lot of problems in the past but am now only 1 month away from being debt free :T However, I recently paid for my credit score through Equifax and it came up at 247. Some bits from my report: I appear on the electoral roll and have been at the address for 3 years. I have a default to…
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bloody credit history
i hope someone can advise me. ive got credit cards which amount to just over £8000. i applied for a loan this week and told no due to my poor credit rating. The reason for this is i was too bloody lazy to post my cheques of on time for the cards. i am now up to date on the payments, however, i had applied for loans on the…
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I need some help :-(
Hello, and thank you for reading :-) Ok, well I have a bit of a problem...My (ex)boyfriend and I moved to Spain about a year ago, with 9k worth of debt in the UK. Since moving here, we have joined PayPlan, and so are undergoing a DMP. All this is fine. Now, my problem lies here....last month, my partner and I split up. All…
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Had Enough
Hey, Been on the site for ages and beed juggling my debt for years now i'm fed up and don't know what else to do I owe £55.000 and it never seems to go down and as of this month i will have £0 to live on everything is a nightmare and creditors do not seem to want to help. My story I brought a flat 3 years ago took out a…
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Advice Please
Hi, Sorry posted in wrong place
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Fund the future while being a SAHM - starting now.
Hi everyone, well ive been a stay at home mum for the last 2.5yrs we now have a second little man who is just 6mth and ive always had a go at mystery shopping and ebaying to get some extra money as and when i needed it but i now need to start bringing in a regular ammount of cash. This week so far i have sold off my old…
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Leaving a DMP - any advice?
Hi All, I am giving some consideration to coming out of my debt management plan and handling the creditors myself. At the moment I have four creditors to whom I pay the following per month: Lloyds TSB: £70.79 Egg: £41.33 Lloyds TSB Credit Card: £91.31 Northern Rock: £58.37 Ideally I would like to pay them each £100 per…
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How can I stop the bullying?
Hi, Please can someone advise me how to stop Aktiv Capita bullying me. I have an old debt which is about to drop off my credit report, ie, nearly over 6 years old. I have had no contact from anyone regarding this debt until recently. I have been getting phone calls from them every day for a week, they have been rude,…
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Deflation Tomorrow - Poll
UK RPI figures are out tomorrow and it seems certain that the UK will be experiencing deflation for the first time since the inter-war period. Is this a bad thing and if so, who is to blame?
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Should I ring my cardand loan companies?
Hi, For reasons of ill health and lack of judgement I have amassed a large debt that even though I have got back to earning some money its just not enough. On a good month I earn enough to cover my bills/outgoings and my debt minimum payments but coming off a mortgage holiday has tipped the balance. I have got to the point…
