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Where do i start?!!
I am really struggling to pay back my debts. I have calculated an SOA and I am looking for some advice. 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…
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Ideas and Support needed to help clear debts.....
Hi Guys, I'm having a bit of a "sort my life out Friday"! and have decided, after many years of ignoring things and hoping they will go away - to sit down and work out my debts and a plan of action. Problem I have is, I have recently moved house, haven't told the companies who were chasing me, that I have moved, and have…
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Anyone know how to remove entries from Credit Files?`
Hi All, I don't know if this is the correct section, but yesterday I got my credit reports (all 3), and they are showing accounts on there that are settled, with £0 balance, yet showing as default - I think they are showing as default, due to the time taken to pay them out - however, now they are paid off, is it possible…
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Notice of Correction
I added a NOC to my credit file back in 2001 - just recd a copy of my latest credit report from Experian and it's still on there. It bears absolutely no reflection on my current position and in fact reading it could be viewed as positively harmful. How do I get it removed? Can I just ask them to remove it as I was the one…
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Ppi award but claimed back
Have received award from BOS for £2694.91 but they set this against sainsbury credit card which I have been in arrears with due to ill health. I did have a payment plan but could not keep up the payments, have to work from home now and my income is very low. Can they do this ? Do I have any claim on this? Any help would be…
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Hello There
Hello there, Ive stopped lurking all you lovely people and decided to post my (compared to others) minor debt dilemma! ok so ive currently got an OD of £1000, which i basically live in every month, i want to decrease this gradulayy up untill Xmas ( £50 per month) and then after Xmas pay as much off as possible each month.…
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Help regardingstatute barred debt scotland
Hi I'll try and keep this as short as possible My little sister (I say little but she's 32!!) had a credit card with Barclaycard years ago, she hadn't made any payments on the account for just over 5 years (was trying to make an arrangement to pay with lack of communication from their side, debt was left untouched from…
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Halifax visiting?
Hi, I received a card in the post yesterday from the Halifax. I have seen other threads about similar ones, but I'm in a slightly different position: IMPORTANT NOTICE Our Representative will be calling your home on 18/10. If this is not convenient please telephone 0845 6041433. I have had a credit card with Halifax for…
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**Thank crunchie its Friday**Daily Chat* 25th Sep **
Look right date and everything......and chocolate in the title... Just done my workout dvd - and my arms are shaking...so hard to type....:rotfl:out of condition I am. was gonna go the gym for a swim and sauna....will probably do that but not use my arms now...:rotfl:
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Friday 25th 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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Should I use my savings to pay off overdraft?
Title says it all really. Overspent a lot this month and racked up my overdraft quite a bit (to almost £800). Now I have £365 in savings allocated for christmas spending but...I'm considering paying off some of my overdraft with that. If I do, when I get paid on wednesday, I will actually be about £100 in credit after…
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Not sure about this - sounds too good to be true
Hope someone can help me out here, even though I'm not exactly sure what I could be letting myself in for (just yet) I've had a cold call from a company in Manchester, offering to reduce my monthly outgoings, We have 2 CCs with vanquis with balances of £2500 on each card (54% APR):mad: and an unsecured blackhorse loan…
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Enforcing loans when overseas
:confused: I'm not sure if this is in the correct forum, but here goes. I have a student loan from uni (£13,500.00 approx.) and another £4.300 (approx) on a 0% credit card. My wife and I are moving to Norway in the nex 3 months (for good) and I was considering getting a loan to pay off the c/c, as not having a UK address…
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To those taking part in the 20k by xmas 09 challenge...
how have you done it please :) I had a quick look on the thread and noticed some amazing achievements in your signatures and would love some hints and tips if you have any :D I tried to find some in the thread itself but its sooo big I got lost a couple of pages in! Well done to you all, really inspirational to a new debt…
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Loan Query.
A couple of days ago I rang Barclays to make a payment, usually this is £166.87 however I requested to pay £200 which I was told was fine. When I checked my internet banking they have only taken the usual £166.87, OH said this is because it is a loan agreement so I can't pay more than the amount agreed, is this correct? If…
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Next
Hey one and all, My friend has asked for some advice and I'm not 100% but i think Next don't have a CCA for him.. Basically he's got an outstanding balance, has rung to say he can't afford to clear the arrears in one go but can spread them over the next few months. they agreed to him clearing the debt in 2 months and said…
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some help please!!!!!
hello i'm new on here so hi to you all :j wanna see what you all think! i have a loan of £2300 and have monthly payments of £80 but this only pays aout £18 off the loan so i want to change it do i get a credit card with a long intrest free period on it or go with a better loan from another bank that pays more off the…
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Hi
Hey I just wanted to say hello. I've been browsing MSE for quite a while now as I'm struggling with debt since I remember (doesn't go up though). In september last year I was made redundant from decent -ish paid job (£35k) which left me with 5k on credit cards and 7.5k left on unsecured loan with Barclays (current account…
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credit card debt
i have credit card debt of 13,000 pounds i have been paying 300 pounds a month but very little is coming of the balance.i am due to be made redundant what can i do.:(
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Not paid debts for over a year????????
Can anyone advise. I stopped paying all my CC's and loans in June 08 when i got pregnant. I owed then about £33,000 worth all together. Since then i haven't paid any of them at all, ignored calls and letters. I spoke to Consumer Credit Counselling Service and i was going to go bankrupt but haven't done this yet. I have got…
