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Ready to punch
I have removed my little angry spurt incase someone can decipher who i was meaning thank you :)
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Will my defaults ever drop off ?
I have defaults from 2006, which I though would drop off in 2012. But I am repaying these with a token payment each month and after checking my credit report they are updating these defaults every month, does this mean that for as long as I pay them and they update them they will never drop off my file, or is it taken from…
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I am just so fed up today, sorry
:cry: Sorry to do a miserable moaning thread, but having a really down day. Just got back from seeing my CPN to find a letter from Nat West about my loan that I can no longer pay due to being unwell and out of work. I had phoned them on monday to say I can't pay and am going through CCS. Phoned them today and they say they…
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October Make £10 A Day Challenge ~~ All Welcome ~~
Hello to all newbies & regulars and welcome to another Make £10 a day challenge :hello: This challenge first started in September 2007 so October will be the 25th Month this challenge has been going so thanks Batgirl for starting it and JesaRose, MizMir and Sweetpeas who also keep the thread going. :T I know this first…
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Received paying in book/Lloyds TSB
Hi folks Have some good news. Received a payment paying in book from Lloyds TSB in today's post for my loan. The letter also confirms that they accept £1 token payments, and to be reviewed in six months, unless of course this is paid up by then if we get the money. However, on another note, the other loan also with lloyds,…
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Trying to sort things out, please help
Hello, I was wondering if anyone can offer me some advice please. I have not quite had my lightbulb moment yet and I am still hoping I will win the lottery and everything will be fine, but I am starting to address my debts as scary as it is. I think I have done everything the wrong way round and I just want some help.…
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£360 wage - HELP HEAD NOW OUT OF THE SAND
Oh my dear god....Please can somebody advise me... Due to work related stress have been off work for 4 weeks only received £360 wage this month.... My world has now come crashing down for me to face what I must do... I have debts sure...but have basically kept my head above water for a long time, yes paying the minimum…
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Small Debt built up thanks to unemployment!
Hi, Just looking for a bit of advice on a back log of debt that I have built up this year. I was made redundant earlier this year from my full time job and spent 7 months trying to get back into work. During this 7months I applied for help with paying for rent and council tax however didn't get a great deal contributed as…
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Is it better to do your own DMP?
I am currently with Payplan under a DMP but I am considering setting up my own DMP purely because some of my monthly payment to Payplan go to protect my payments and life cover meaning that about £13 per month does not go to my creditors and therefore extends my debt repayment. Has anyone done their own and can anyone…
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Bailiff action - help
I posted this thread yesterday in the loans section and got a couple of answers but i wondered if anyone on here new what form I could get from the court so I can get this stopped with the bailiff. We purchased a van from black horse and unfortunately due to financial difficulties where unable to continue the payments. The…
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goodwillie & corcoran bailiffs
They called at the house yesterday. Said they were going to take OHs car and also a van which was in the drive which belongs to a relative. The car is on finance and if it goes, so does all our income as OH needs it to get to appointments all over the country. Can they take them? Said they were going to be back this friday…
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Do Natwest Search back 3 years or 6 ?
Hi Everyone, I read somewhere I am sure that Natwest only search back 3 years when doing a credit search rather than 6 ?, is this true as I have 4 defaults from 2006 that won't drop off until 2012, if they only search back 3 years then by next month none of them would show ?. Thanks
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Moving more threads to DFW Diaries
Hi everyone Just to give you a little forewarning, I'm going to be moving some more long-running, diary-type threads over to the diaries board. I'll put re-directs on them when I do it so anyone who's not seen this will know where they've gone. You may not all feel they're diaries but they're close and the aim is so…
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Wednesday 30th Sept - 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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Wicked Wednesday 30th Daily Chat
Morning all Continuing Sammys thought at positive thinking! Set my alarm for 6am this morning to go for a run...hadn't actually realised that it was still dark at that time so led in bed toying going and then got up and decided to do other bits and go for a run later! So have sort of planned allotment for next year just…
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Dca trying to collect statute barred debt is putting searches on credit file
Hi All Got my friends credit file and found that the debt is statute barred (ie no longer showing). Sent the SB letter and the DCA have now closed the file. :T:T However also noticed on the report that the DCA has put two searches on the file after the statute barred date..(and before they closed the file)......one two…
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Iqor debt collection agency
Hi Looking for some advice please. I currently have an outstanding debt of around £2000 now with the above dca which was originally for a BOS loan. I have been struggling to pay £80 per month to them, I suffer from mental health problems and currently have been signed off work for a year, around march my sick pay stopped…
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DCA, Repossession and Divorce! Please Help!
Two years ago me and my ex wife seperated. She stayed in our house and said she would pay the mortagage. She abandoned the house (had never payed the mortagage) and declared bankruptcy. I was given the option by the Insolvency Service to by her share, but I could not afford to do this or pay the mortagage. So the house got…
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Newbie wanting to save the pennies
Hi New here and looking at where to start? I dont have any debt apart from my mortgage (Been bankrupt) but im looking at saving about £4k for a nose job :rotfl: We have ok jobs and i can probably save £500 a month at a push, cant get saving account because of BR. What other ways can i earn some extra cash to go towards my…
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Ive just done a soa and snowball - help needed
Can someone help me, Ive put everything into the SOA and then a did the snowball thing to see which debts to pay off first. Im a little unsure about what I did but I put in £1242.54 to pay off debts every month. Is this correct? Because it says I will be payment free in April 2012? Or am I doing this wrong, can someone…
