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Credit Report - where to start if you disagree with the info..?
Hey all, My Mum filed for her credit report recently when looking for a new deal for her mortgage; there is a default from a high street bank's credit card; which she paid (religiously) from her bank account to them. However, they claim that they put on a default notice in 2005 but it didn't show up when she got a credit…
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URGENT advice needed about a charging order on property
Hi, I would really appreciate any advice about my situation which I will try and keep brief. I lost my job in Nov 2007. I was incorrectly told I was not entitled to any sort of benefit (and remain unemployed still) so finished up living off credit cards etc. To be honest I never envisaged being out of work for so long. As…
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nuisance calls - collect direct uk
Can anyone advise me - have you had any dealings with collect direct uk so far i have had about 9 calls today which i havent answered as it just says call on my mobile. Does anyone have any suggestions (i could think of a few) as i want to answer it but dont know how to deal with them
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Debt Release Direct
Just thought I'd drop a note on the forum as I've just completed the first 6 months of my debt management plan with Debt Release Direct. Got to say that all in all I'm very impressed with the service I've received. They've been proactive in making sure I was happy with the plan and I understood the paperwork I had to fill…
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debt managers ltd Query
I received a letter from debt managers & numerous phone calls telling me they would take me to court & I would get black listed. I was not sure about this so I agreed to pay as I did not want to have to go court & possibly pay costs. I have been paying regular as they said if I miss a payment it would go against me. The…
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Final Charging Order. Can they do anything right!!!!!
We received a copy of the final charging order today. Which states that the judge ... "heard the solicitor for the claimant and the defendant not attending...." We did attend so what is this :mad: (and what a waste of 2 hours of my time/wages I lost it was!) I'm a bit worried by some of the content especially this part....…
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CCA requests - how do I pay £1
Hello I have received a CCA template from CCCS, and it references inclusion of a £1 fee. I do not have a cheque book, and therefore can only think to pay via a Postal Order Ignoring the fact this is expensive, is there an issue that I wont be able to prove the creditor have received and accepted payment, if downstream I…
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£4K in debt on credit cards
Hi, I'm currently £4k in debt on my credit cards. I've managed to move the debt on to cards which have 0% and so by making the min. payments, I'm able to slowly chip away at the debt with my small income. However, I'm finding it very difficult. According to ML's guide, the IVA route is not available to me because it…
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My SAO
Hello I've been pointed in this direction by people on the old style board who say you can help if i post a sao and you could advise where i can make savings. i'm not actually in debt, but had my pay cut to four days a week, due to the "economic climate" and i'm going to struggle to make ends meet, so here it is i hope its…
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DMP's & flat renting
Hi everybody!! i hope someone may be able to help me out with this, i am curreently £8500 in debt (two credit cards and a personal loan). the interest free period on my credit cards is sue to expire soon and i won't be able to afford the minimum payments so i am thinking of going on a DMP. Me and my girlfriend are thinking…
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Help me :( Im young haha
Hi, Im new and young (21), i learned to drive at 17 and passed and got a car ..... 6months down the line i wanted a new one :confused: i got a 4k loan with my mom as back up on the loan, all was fine. Then i wrote my car off but was fully comp etc .... Bascially i have debt stemming from cars ...... Now im 7k in debt and…
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does anyone have an email address for mercers?
mercers have denied getting any letters from either me or the cccs and sending recorded delivery proved pointless too, i refuse to speak to them on the phone and so i think email is now my only option but i cant find an address for them anywhere, does anyone have an address for them or know if they actually do have one?…
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Bank loan crisis
Hello there! I have had a running dispute with RBS over a loan they mis-sold to me. Went to FOS and have only now received their decision, which is in my favour. RBS have been instructed to recalculate the loan amount, pay me £400 for inconviniencing me- GOOD NEWs. Bad news is that whilst my complaint was being looked at…
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RBS - What are they playing at and what should I do
Hello We have 3 debts with RBS.. 1 - Loan circa 12k 2 - Curr Acc - somewhere between 4 and 5k! 3 - credit card - £900 ish In dec, I was sent a letter asking for £17k in 14 days and stating issue of default. I then spoke to a chap who said the debt was being passed to Irwin Mitchell solicitors for recovery. Jan, still…
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Confused about graduate overdraft...
I don't know if anyone on here can help, but I'm a bit confused in terms of repaying my graduate overdraft. I graduated last year and have been working in retail and am not earning that much. I have a graduate overdraft with natwest of £2000 which I haven't paid back yet, and I have until July 1st to pay off £1000 which…
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Tips to get back on my feet please
I have been lurking around on these boards for some time now and although I dont think my situation is too bad compared to others I really want to make this year the year when I get back on my feet and get debt free. Dh and I work with seperate bank accounts and we are quite happy that way however he is so careful with…
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newbie soa. think i need help.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1200…
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help!!
i have about 11k worth of debt and am about to lose my job. I am moving in with my girlfriend who is going into her final year of uni. i had to give 3 months notice on my job which ends in april. Iv currently applied for over 150 jobs but with no preval. im starting to worry now as dont have a job to go to. Im thinking of…
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don't know what to do
I have been working on clearing my debt for over a year now and all has been going well, until last week. Basically I have been forced to quit my job as my bosses are bullys and making my working life hell to the point i spent much of my home life crying and scared to go back to work again, I stuck it out for over 18…
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Too much Debt at 20
Hi I have roughly £3500 in debt, I am wanting to bring all my debts together. I dont want to ruin my credit rating forever, which would be the best way to do this?
