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Strange things on my Credit Report
Hi Was wondering if anyone could offer some advice (wasn't sure where to post this!!). I have just received a credit report from Equifax and it has various entries saying 'Property Valuation' and 'Consumer Letters Enquiry'. I don't have a clue what these are for and wondered if anyone else had seen them appear on their…
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Help! letter from 1st Credit re Marbles debt
hi! I have a self administered Dmp which has been running with no real problems since Feb last year. I have a CC debt with Marbles for £6000 and have been paying £55 a month. Got a letter a few days ago from 1st credit saying that it was due for full immediate repayment. I sent off a CCA request yesterday by recorded post,…
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The Moneyshop Cash Til Payday - reclaiming charges?
Hi, A while ago I was using this service, where you write a cheque for £50, they give you about £45 and then bank the cheque in a month's time. I know it was stupid and I've learned my lesson the hard way. What I want to know it, I had 2 cheques bounce, and they charged me £50 in total for this. Would this be an unfair…
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CCA request & Lloyds
I have sent a cca request to Lloyds for my credit card i have had the card for years probely about 10 years i not heard back yet from them i only sent it a few days ago . I wondered has anyone else requested theres from Lloyds and what was Lloyds responce .
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Credit Card question.
Hey People, My credit card is £250 over the limit but on my internet banking it says the overdue amount is £113.I have just made a payment of £120 towards it. Will this be enough to stop them ringing me in the mean time until I can afford to get it back within the limit? at the end of April? thanks for any advice guys and…
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Credit Report Question
I don't have a sparkling credit past but I'm trying to improve it and would like some advice please I've got my credit report online from checkmyfile and this is the results Credit card I owe £606 in no arrears Old car finance £522 need to make arrangements to pay car finance £3919 in no arrears. I have a question regardin…
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Advice needed please
My 2 daughters attended a nursery school 3 years ago and i took them both out as was not happy with the standard of care.They have been sending me letters periodically ever since saying that i owe amounts for their childcare that i didnt agree with,i stupidly ignored these letters.This morning i received a letter from a…
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Charging orders
lets say the financial institution gets a charging order on your home do you still have to pay the Debt off or is is removed from your DMP as technically they have there money tied up in your property and it would just be like equity release where they would wait till the house is sold before they get their money any one…
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Missing Information On Credit Report
Having just checked my hubbies credit file on experian i notice that there are three accounts not listed: Fiat Auto Finance Capital One Capital Bank (Bank of Scotland) these were all on there when i looked last june and are all current accounts (appart from capital bank which is defaulted? Any Ideas Lucy
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Dont know what to do!
Hi Ive posted here before about my student debt - and how I am over my student overdraft by £154.00. I am now recieving phone calls from halifax - have not answered as I am far too scared and I dont know what to do :( I have never had to deal with this before. The money WILL be paid on friday - I want to tell them this but…
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Parents on a (fee paying!) dmp and brother going to uni
Hi all, just wanted to tap the fountain of knowledge in here. My parents are on a debt management plan, with just over 2 years left to go. They both earn in the region of £30-£35k each a year, however are on a debt management plan to clear debts of around £90k (from what I can work out, dad doesn't think I know abotu the…
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Help with Moorcroft/Orange/Carphone Warehouse
Hey guys I am new here and just wanted some advice on an ongoing dispute with Orange, Carphone Warehouse and Moorcroft Debt Recovery. Here is an outline of my story. In November 2007 I took out an 18 month mobile phone contract with Orange along with LifeLine complete mobile phone insurance with CPW, the contract was £35…
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Any experience with these particular creditors?....
Hi, On 16th March we wrote to our creditors offering pro rata payments... Has anybody any experience with these companies? I would appreciate a bit of advice as I am a bit worried about what to expect or do next... British Gas - will not accept our payments.... they have told us to pay what we can afford and if it's not…
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help
hi all, needs some advice for some friends of mine.. ive only known them for a few years now and its only come alight how much trouble they are in. they are receiving dsa and income support and have 2/4 disabled children and over the years they have got into so much debt from store cards...bank loans..catalogues...high…
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Quick advice needed re debt collection
Figured you guys would be able to give some super speedy advice I need pointing at a thread that tells you how to deal with debt collectors. Best friend has £5.5k debt with Egg which she defaulted on and didn't tell them she was going to stop paying. They have sold the debt to Moorcroft and this week she got a letter…
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Newbie feeling a bit worried
Hi, I've had Lowell/Red on the phone about an old overdraft with Barclays for £270. I've made a payment of £20 and will pay £40 over the next few months until the debt is cleared. My question is I've read lots of post advising people not to speak to Debt Collection Agencies over the phone. I'm just wondering why this is?…
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Can banks take money without asking?
Hi everyone, I posted a similar thread to this on MoneySupermarket and all I got was people saying I’m no better than a thieve so I hope someone can help on here. I’ll give you the concise version. In 2004 I bought a new car, lost my job a few months later so I couldn't make the payments. The car cost £16,000. When I knew…
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What would you do?
Hi everyone, brand new member here. Well, as I guess most new users are I am an a bit of a sticky situation. My debts are now, in my opinion, catastrophically high and I am not earning any money at all. I started my own business (recruitment) 10 months ago, just before the recession really bit, and have not made a penny. I…
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are these debts legally enforceable?
I have been contacted with regards apparent debts for an aa credit card and an aa loan. I have disputed these debts and now both accounts are now with collection agencies. I have contacted both agencies over a month ago requesting a copy of the original credit agreement with as I understand it they are legally obliged to…
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PLEASE help re incorrect info on credit file
Hi guys, i am back again for some help, please! In 2003 i had a rough time same old story, lost job, relationship went down the pan, depression etc- anyway i will put my violin away! Since then i have tried to get my credit file back to good standing. I have a default from 2003. I honestly dont know if it is to do with me…
