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Got my equifax credit file
It's a first step to sorting out my credit score, which is bad. I don't have much debt now, but have bad credit history due to me being too laid back, a student with 3 children etc etc. But working now and want to fix it. There are 2 things on my equifax file I don't understand. This below says I still owe £179 to…
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Transfer of Information/ CCA etc ??
May be a stupid question, wouldn't be the first time, but... If a CC Debt is assigned to the scum ( sorry Debt Collector ), does this end the Contractual Agreement between Debtor and CC provider? If YES. Then does this then mean that if they have not already sent a Copy of the Original CCA to the DCA, they cannot send one…
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I heart charity shops!
Just got back from my lunch break and am soooo chuffed! :T Did a quick trawl of the charity shops (am going to a festival next weekend and needed some new items!) and managed to come back with: Black leggings £2.45 Pretty tartan style summer ra-ra skirt (Bay Trading) £3.49 Smart Black Top for Work (ok so non festival…
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SOA Parking fines help please
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1025 Partners monthly income after tax....... 0…
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demanding full payment
I ran into arrears with my Barclaycard and it was passed to 1st credit. My experience with them ran along the lines that appear to be so familiar with people on this site with them being aggressive, rude, refusing to accept any kind of negotiation, telling me they would make me bankrupt etc. I requested a copy of the CCA…
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Mackenzie Hall chasing my partner
Hi all, this is my first time on here so please bear with! My partner moved in with me last year and I informed the council as I claimed single person discount and she changed all her details to my address. After a couple of months she got a letter from a debt collection agency chasing debt and that they have being trying…
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RE: Can they petition for bankruptcy??
Hi There My husband and I are in the final stages of an IVA. We have never missed or been late with a payment. The IVA is due to end in May 2010 so our supervisor has requested that we get a re-mortgage offer to pay £13,000 dividends to the creditors. Unfortunately due to the property crash, we no longer have this equity…
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DMP - Full and Final Settlement
I owe £33,000 and currently paying off on a DMP - If I were able to get hold of some cash - what kind of full and final settlements would creditors be looking at accepting (DMP been in place for 5 years) Thanks for any advice
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My SOA- Help Please
Although we are not in debt (bar mortgage) my husbands salary is to be cut in sept and the figures just don't add up. Really don't want to end up getting loans etc if aviodable at all. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in…
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What do I do now?
Hi After 3 months of £1 token payments to one of my credit cards and sending them an income and expenditure form they still wont help. This week I had one letter from Aqua card COLLECTIONS dated 24th July (received 27th July) which tells me they are not prepared to accept less than £5 a month due to their policy…
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10 year old Housing Benefit Bill
Since we have started to try and get ourselves straight, on of the things was getting council tax arrears in order, caused by the Tax Office saying my wife was not entitled to benefits she was at the time. Regardless, we now pay £50 per month to clear these arrears. Since this, 3 bills for Housing Benefit Overpayment have…
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any other other auction sites than ebay
they are getting on my nerves - anywhere else???
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Need some advice
Hi I have had some advice from another kind member to post on this board and you guys might be able to help me. My outgoings each month are massive and I need to cut them down. Im my house hold there is myself, my partner and 2 children - he also has 4 children from a previous relationship who we have every weekend. We…
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Thank You
I know i have only been here for a very short while but i would like you all for being Fabulous. There are so many challenges and actions to keep you motivated and focused on getting debt down. I feel supported and motivated. Thanks for all the great advice i have recieved in my short space of time -i have learnt some very…
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DFW Daily Chat 30 July
interview day at work...............:eek::eek::eek: Done lots of reading and let's hope I'm asked questions on stuff I've crammed on!! then again, if I can handle a whole day interview with personality tests, finance tests, presentation, meet the team and an interview, surely a 30 minute sit down and babble situation…
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Thursday 30th July - What small DFW things have you done today?!
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, when…
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Really need help.
Hi all. I'm really sorry about this post. I'm really angry about letting myself mess up like this and I don't know where to turn. I say that like there is anywhere to turn. I guess I just wanted to tell someone, anyone so they could shout and tell me how silly i am. Long story short last year split up with the now ex,…
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Please Help
Dear Experts I am looking for any help you can offer. I'm finally facing up to my mounting debts, and the extend of it all is overwhelming. I have a well paid job ( so does my husband) but somehow we've been accumulating debts until we're now at the stage where it feels we're living hand to mouth and struggling to make…
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in light of the Virgin 34.9% interest which should i pay off first? HELP!! CANT SLEEP
I have Virgin currently at 0% but only for another 8 months Tesco -7% Marks and Spencer - 20.9% egg - 16.9% Bear in mind i if virgin hike my rate upto 34.9% i will be swapping the balance over to M&S. Do i clear as much off M&S before the 8 months is up and then if Virgin hike me - put the remainder of Virgin onto M&S…
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Rbs and Incasso help
I have been paying RBS overdraft debts as part of my DMP with CCCS since Oct 08 which they accepted. Around the begining of this year I was contacted by there in-house debt collection team, Triton, requesting full payment, and I arranged with them a new payment plan on the same basis. Then shortly after, out of the blue I…
