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Trouble with debts help
Hi Im in a bit of bother and cant see way out, I havent put in groceries as dont want to over do it, my council tax and water rates is all in one building and contents is same. We need the 2 cars as we cant get to work by public transport. could do with advice thanks. Household Information[/b] Number of adults in…
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Worried about CapQuest!
Hi all, I'm new to here and like most newbies I am looking for some advice! I posted in the wrong place the other day. Thanks to GeorgeUK for pointing that out and also giving me a some help! I received a letter around 10 days ago from CapQuest about a debt of £6000 that they have purchased from Egg. They were looking for…
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December Make £10 A Day Challenge ~~All Welcome~~
Hello to all newbies & regulars and welcome to another Make £10 a day challenge :santa2: This challenge first started in September 2007 so this will be the 27th 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 post…
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The payday loans crescendo
As I’m sure goes the old adage of many a new post on this forum (or so I imagine, since I myself am new), I am in an unfathomable mess. I am so tired of worrying about myself that I can barely articulate a single thing about the whole thing, such is the depth of my problems. I would write about it from the very beginning,…
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Offensive call from CapQuest
About 3 weeks ago I got a call from CapQuest, nice and polite , about a debt they alleged I owed to a bank. I could prove I did not live at the address and on their advice I sent them Utility bills to prove my address. Today I got a call from them and a guy opened with "About the debt you owe (Bank name). I calmly said I…
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Sexy New MSE Site Testing - Tunechecker
We've got a major brand new website we're launching very soon, We'd love your feedback if you've got five minutes See this http://forums.moneysavingexpert.com/showthread.html?p=27320219#post27320219 And please feedback there Thanks in advance Martin
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Reclaiming Catalogue Charges?
I was in the process of doing this, but now with the bank ruling how does this effect me?
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DCA Chasing cancelled phone contract
Hi Everyone, In 1999/2000 I took out a mobile phone contract with the old One to One company. After 4 months or so the house was broken into and the phone stolen. I informed one to one and the police,the phone was blocked and one to one cancelled the contract. Before I informed one to one which was only 1 day, the thief…
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Debt Advice Needed
Hi guys, I had a bank account with Abbey National since I was very young. I was contacted by Link Financial regarding this on my mobile (don't know how they got the number). The last use of the bank account was around 2002, I think! Link Financial are now pursuing me for around £500 for a debt I didn't even know I had,…
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Ultimate Credit/Zin Recoveries
Hi All, newbie alert!! I've been lurking for some time and been dying to post but had some problems with my account. So, out with the old, in with the new - today I set up a new account and here I am!! Hello! :wave: Wondering if anyone might have any experience of Ultimate Credit Services or Zinc Recoveries? For the past 6…
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Better to have access to less credit or more?
My Experian Credit Report says im using 80% of my available credit. Is it worth me decreasing my credit card limits, so this figure would show im access a higher percentage of available credit, as there's less credit available? Would this make my credit score any better?
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Debt Advice Needed
Hi guys, I'm hoping some lovely people can help advise me with my situation! I had a contract with Orange back in 2002 when I was 18, I only paid 1 month of a 12 month contract, as I unfortunately lost my job a week or 2 after obtaining the contract. The phone was cut off, and I never heard from Orange, even during the…
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British Gas Default
Help! I have just checked my credit report and found that I have a satisfied default of £57 on my account, this is stopping me from getting a mortgage. Is there any way I can get rid of this, or write to them?
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Address blacklisted?
Hi - can anyone tell me if when you are in massive debt, your address is blacklisted? I am in big debt all in my name (cards, loans etc) and trying to sort out - have been with CCCS for 2 years - my boyfriend has a different name and in no debt at all, used to get credit easily but just applied for a loan and was rejected.…
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Unsure about debt
I got is I got a letter from a company saying they bought my debt from Abbey and offering me half price to clear. I think its been over 6 years but not exactly sure, what should I do? The original debt was for an unsecured loan with Abbey National
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Chased for debt after six years
Moorcroft are no longer dealing with my account after six years. I paid them regularly a few pounds a month. The debt is no longer on my credit reference file with Experian. The debt is for less than £300. A new firm is threatening court action. I thought this was not possible after six years. I don't mind paying a few…
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Just had a lovely call from Triton!
Hi everyone! I am currently being chased by NatWest for overdraft/charges. I had been waiting on the charges case to go through so had been sending letters stating that I won't be paying anything until the case is concluded. It's now been passed on. Had a letter from Triton on Monday stating that they wanted paying within…
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Help making a F & F offer...
I'v enoticed a few times on here that users have had debts reduced greatly by making a F & F offer... what is the best way of going about this with a DCA?
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Defaults - once the six years is up
Are defaults removed from your credit record as soon as the six years is up or does it take a month or so? I have two from November 2003 and I'm wondering when would be a good time to check my record on a free, month's trial.
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keeping credit cards after reclaiming
Hubby has a capital one credit card since 2002 its not really used anymore and now is mostly always paid off straight away or max over 2 months, but its handy to keep for emergencies. He has always had PPI on the cap one but has always been self employed and if ive got it right PPI is of no use to the self employed so we…
