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repay t-mobile
Well I have received my experien credit report as I knew there were a few things on there that i needed to sort out...One is from t-mobile who I owe money to. Thing is i really want to clear this and sort my credit report out so what do i need to to...I dont have the money to pay them off in one go shouldi contact them and…
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Npower debt - but not mine!
Didn’t know whether to post this here/in utilities/elsewhere, sorry if it’s in the wrong place :o Me and my co-tenant keep receiving final reminders and letters from npower and debt collection agencies addressed to “the occupier”. This is despite us phoning npower a couple of days after we moved in to our student flat…
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F&F Settlement - What to send with Payment?
Hi there, I am hoping someone on this board can help! My partner has had a f&f offer accepted :jwe are now looking for advice on what to send with the payment. We have written confirmation that the payment will be accepted as f&f and that my partner will not be chased for further payment. However we are sure we read…
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Smooth Financial?
Hi there, I'm new to this board, so Hello! Me and my husband have £25K worth of debt, which we are struggling to repay. We have been refused credit to consilidate, and our details were passed from Ocean Finance to a company called Smooth Financial. It's a debt consolidation management company. They are sending me some…
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What to offer creditors?
I'm in the process of setting up a DMP with Business Debtline. Sent back all the forms this week and have started a new bank account to run it all from. I have 2 standing orders to the tune of £500 due to go out of the account next monday and I really can't afford it. To date, I've not missed one payment on either standing…
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debitas
i recieved a letter today from debitas, only the 3rd one i have received, adv thatcourt proceedings will comence if i dont contact them. I called them as i did on the previous occasions, but found that they were still very rude and intimidating and would not listen to anything i said, and for some reason kept repeating…
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debt consolidation Kensington Finance
hiya I have about £1, 200 debts separate amounts to four companies. I was passed onto Kensington Finance by my catalogue. I have been told if I pay £29.99 one off payment, they can consolidate it all so I am paying £5 a month to Kensington Finance covering all debts. I asked if there were hidden charges and I was told No,…
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advice for a friend
Hi I'm after some advice for my friend, she is a single mum with a teenage son (15) and a younger daughter (8) anyway until recently I didn't know she had any debt problems until she broke down one morning at my house, she has several debts all aquired since her husband walked out on her , anyway the problem she has is she…
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Advice please - MBNA
Hi all, I've had a really tight month this month, and when I received my MBNA credit card statement, I only had enough to pay half the minimum amount. So I paid this (knowing that I would get charged the £12 late fee and a mark on my credit file) but also knowing that I would have enough to pay the rest later this month. I…
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Time to sort out the debt * 8 weeks on *
right this is my first post in here a little background I live with my partner and our daughter in an x local authority house we bought approx 18 months ago I also own the property next door that i rent out. I work full time and my partner works 3 days a week, the wee one goes to her great grans 3 days a week In our house…
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One Loan or Loan, Credit card & Overdraft
Hi All Well things have gradually been getting out of control and now I have a decision to make and would like your help. I have Loan £11000 (just over) Overdraft £2000 Credit card £4500 My question is should I leave them as they are or get one loan to cover the lot? My credit card is at 0% until March 10, im not sure what…
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3rd Party Debt Orders and a CCJ
I'd be interested to hear from anyone who has used a 3rd Party debt order to enforce their County court judgment. Has it worked? What problems have you encountered? Anything I need to know? Thanks
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Managing Personal Debt-Is consolidation always bad?
Hi I have two credit cards and one personal loan. Credit card 1: Virgin. Limit is 2500 and I'm currently up to my limit. There is a balance transfer introductory rate on there which ends in April next year and approx 1500 of that balance is benefitting from this rate. Credit card 2: Capital One-I took this out to improve…
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Other peoples debt
Afternoon Not sure why I am posting this - I need to tell somebody! My mum racked up about 70k worth of debt - Banks just kept offering and due due to circumstances she kept taking it. Unfortuantly she isn't great financially and she just kept getting more and more into debt. To help her out I sold a flat I was letting and…
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Re-claiming money from Money Worries debt management company
Hi, I was recently using Money Worries debt management company until I found out from one of my creditors that even though I'd been using them since July, they had not contacted them. I only found out last week, and promptly contact Money Worries to cancel. The problem I have is that I have paid them £400.00 towards my…
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Hit one account or spread?
I've asked this question before but never really got a consensus on the response. I have several outstanding debts with high amounts owed (more info here - http://forums.moneysavingexpert.com/showthread.html?t=1935695&highlight=the+walls+are+closing). The plan is to hit these across the board and reduce amount owed on each…
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debt free date
Hi to all, can anyone tell me how they work out their debt free date. I know i have read it on here before but having a brain freeze and can`t think where it is. thanks
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Equifax
Does anybody have a number for them? What a nightmare their website is. The Experian experiance was vastly easier and pleasant. Equifax is a nightmare in comparison. I've registered and paid £2 for a credit report. It shows an incorrect CCJ. I've just been to the court to confirm it should have been cleared. I need to get…
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Loan With Log Book Loans and they are charging me £16 per phone call!
Basically i took out a loan on a car a while back with a company called Log Book Loans and as i have found it hard to keep my job in this recession as i am a tradesman by trade i havnt kept up the payments. Now they are calling all the time and i will get a bill through the door everytime they call they are charging me £16…
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F&F template letter?
Hello Can anyone tell me if there is a template letter I can send off to ask for a full and final settlement? Also if anyone has any info about this ie what to make sure I include in the letter, I would be very grateful.
