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Problem With Pheonix Recoveries
Hi all, My mum took a catalogue out in my name a few years ago and didnt pay for the bill. Result was a default etc showing on my credit record. At the time this stopped me getting a mortgage. I have since had the debt transferred into my mums name and has been fully paid off. I had all the reference removed from my credit…
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Help & advice for my self employed parents
My parents have bravely asked for my help in getting them back in the black before their situation worsens. They're both self employed in the retail industry but earnings are very poor so far this year and they're really struggling to make payments to all their creditors. Here's a rough SOA to get thigs started, I need…
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I have become a hermit!
:cry: The nervouse energy I have had since last week is driving me mental! Today is the day that Aqua is meant to be calling so I have bolted the doors and locked the windows, shut the curtains tight unplugged the phone and switched off my mobile. :eek: I almost had a panic attack when the postman knocked at the door with…
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When does a missed payment show up in your credit report?
Does anyone know how often experian updates their credit reports, is it everyday? I had a missed payment yesturday on my loan which i rectified straight away but want to apply for a personal loan maybe today or tomorrow to refinance all my debt and was wondering when this would show up in my report! Thank you for any…
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calls to work
Sorry not sure where to post this,my partners received a call today at work from someone called bcw.Now looked on the net and they seem to be a debt recovery agent,now are these allowed to call your place of work and most of all how did they get her works number.She's never ever put her works number on any forms cause…
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Newbie....to debt free wannabees!
Hey to you inspiring people! Today was a scary day! I checked my credit score for the first time in about 2 years and I have jumped from very good to VERY POOR! So this is it, I need to start paying off my debts as I was also shocked to see the total amount owed! My plan off attack is to tackle a debt at a time, I have…
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TSB using old address and charging me!!
Hi All, wondered if anyone else has had this experience: i became overdrawn with tsb and started a repayment plan with them. every six months they would call to start again. when this began i was at address no.1. i then moved to address no.2 and would receive letters from them but less frequently - but i managed to keep…
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Credit card debt more than 6 years
Hi sorry if this is the wrong place for this to be, i could not find a suitable thread. Hope someone can advise anyway, my partner has just received a letter from lowell financial ltd, advising that they are to take legal action to recover a debt of around £400.00 owing to capital one. My partner took the card out at a…
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Considering DMP
We are considering a DMP with CCCS (who are lovely aren't they!), however my question is this. When on a DMP does that stop you make any overpayments to creditors directly? On the odd occasion where we have any extra cash (eg car boots) would we be able to overpay anyone? I suspect not, but thought I'd check with the…
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Default notice
Hi all, I hope you can give me some advice. I have been paying £1 token payments to Sainsbury Bank over the last couple of months. This morning I have got a Default Notice from them.:eek: My questions are 1) What will happen now? 2) What should I do next? I have not yet applied for my CCA. Thanks for listening Sal
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Newbie hello
Hi there I've been reading this forum on and off for a really long time now and have found some great tips on here and more than anything it was nice to see that I wasn't actually alone! Lightbulb moment occured when struggling back in Feb 2007, was offered a half paid for holiday and was dealing with 2x cc's at about 6k…
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Capquest letter - help and advice required please?!
Hi all Am in a bit of a sticky spot at the moment as on 22 June I received a Capquest letter stating that my Visa Classic card with RBS has been sold to Capquest Investments Limited who have appointed Capquest Debt Recovery Limited as one of their group of companies to manager your account in all matters relating to…
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Daily Chat, hello hello is everyone there? Daily Chat
Morning campers thought I might as well start this, even though i only lurk these days please continue:D:hello:
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Tuesday 7th 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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Need some advice on this bigtime.
Well I'm new to this forum and I am also typing this up on behalf of my partner. you see in 2004 my partners husband at the time was constantly siphoning small amounts of money and spending it on himself, and at times buying unnecessary foodstuffs which was unsuitable for her children which was costing more than the usual…
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Posted in error :o
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Case Discontinued (Welcome F) but Still Blot on Credit File
Hi All, We were successful in getting a CCJ from Welcome Finance set aside several months ago. They pulled out before it went to trial, serving us with a Notice of Discontinuance. We had paid for a hearing to request the case be Struck Out before we got the Notice of Discontinuance, and as it came on the day before the…
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in need of advise please
Hello, I currently have unsecured debts of approx £21500 and after recently losing my job and having £0 saving's I am currently paying £1 each to 8 creditors. I am hopefully subject to a medical and security references about to take up full time emplyment again but the wage is a lot lower than what i was previously on, I…
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New IVA
Hi. I'm currently going through the process to set-up an IVA. However, my partner has not been able to get her financial details together for the full Financial Statement due to several other personal factors (all even more pressing than the IVA itself!). Now that she is able to concentrate more on the IVA process, I think…
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I dont get this can someone help?
I have just had a phonecall with payplan, we have a debt of £55,000. She went through everything with us, then she ended the phonecall and after about 10 minutes she called me back and said that we could afford all our bill and that we just have to budget properly. I know we do spend a bit too much but were still in debt…
