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Accept the Loan?
Hello I'm looking to consolidate my debt and I have had a few rejections in the past 2 months (one for a Virgin credit card and another for a loan at Alliance and Leicester loan at 7.9%), however I have just been accepted for a loan at my home bank for £9000 at 15.9% over 4 years. My annual salary is £26,000 and I have…
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Equifax (Please Help)
Hi, i have just got my credit report from Equifax, and there are address that i have never lived at. What can be done about this? Also there are searches on there with my name but a different date of birth. How do i go about changing things on there? I have spoke to equifax and they have told me there is nothing i can do.…
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Default saying satisfied on credit report
Hi everyone I wonder if someone can help me? I had a debt to HFC of around £4000, which i have slowly been paying off on a DMP. It was managed by Capquest about 2 years ago. Anyway, I was aware that a high proportion of the debt was PPI, so wrote to HFC, and subsequently to the IC in December. Now the account is saying…
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Bank of Scotland CCA not signed?
Just starting my DMP, so thought I would hunt out any old paperwork, anyway found two agreements: BoS loan signed, but BoS CC, not signed (in fact no place to sign!!). Am I clutching at straws here or does this mean anything? Advice from anyone experienced in these matters greatly appreciated, cheers. PP
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Please Help??
Iam currently been accepted for a DRO and iam about 3 weeks into it now but welcome finance 1 of my creditors still keep sending threatning letters and was wondering should they be doing that? any advice please? Thanks. :)
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New to the forum - support required
Hello everyone, So glad I cam across a site like this, as I've been burying my head in the sand for so long now. I'm finding it increasingly difficult to manage my debt and the pressures of living in London are not helping me. My partner is aware of the situation but I don't she is aware of the extent of my debt. I guess…
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I'm having a nightmare!!
Hiya! not been on here for a week or so! Things have been going pretty well, managed to settle a debt in January and one in Feb, we even got a letter from northern rock who thanked us for keeping up with payments despite being in a months arrears, so me and oh started to relax a little and all of a sudden it feels like we…
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Help needed
surveymonkey.com/s/8526YLG I am an Honours student studying accounts. As part of my coursework I am required to do a research dissertation. Please can you help me fill in my questionnaire. This questionnaire is to get an idea of peoples attitude on debt. It should not take any longer then 5 minutes to fill in. Any help…
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Paperwork - how long should you keep it ?
After spending the most boring afternoon going through the mounds of paperwork that seem to run my life, I got thinking 'how long do I need to keep all this rubbish ?' ie bank statements, mortgage stuff from a property I sold five years ago, payslips and P60s, account paperwork ie Next, all my debt stuff showing that some…
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Is there any legal steps companies have to take before CCJ action??
Is there certain steps that they have to take before going to court ie reminder letters, notices etcetc. They ( Severn Trent) sent me the following in a statement of account (although i don't recall ever having received them except for the solicitors letter March 2006) : Reminder Notice - February 2006 Overdue Notice -…
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Need help :(
Well i'm in a mess..due to me having to pay out for unexpected things I have gone OVER my overdraft and have had to take out 2 pay day loans..my wages should JUST cover these but I still have credit card etc to pay. I owe at the end of the month £25 cap one (£12 late payment fee from last month) £23 HSBC £72 Littlewoods…
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Marriage, debt and prenups
Hi there New to the board but after some advice. I'm getting married in June, but I'm taking in a considerable level of debt (c £30k) from a previous marriage. Because half of this is in a CCJ pressed by a private individual who (wrongly) bears me ill-will, I have no hope of an IVA and don't want to go down the insolvency…
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Mortgage & Credit Card Advice
Hi all Thought I would register on here because I have run out of ideas on what to do. We have recently had our house valued at £112,000 and have a mortgage of £102,177.93p currently on it with 19 years remaining. Me and my wife have credit cards totalling £21,000 (yes that is correct!). We have cleared our debts twice by…
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Help please! Bank inflicted debt
Could someone please guide me down the right lines for a little problem i have with the wifes bank account. Have seen martin on GMTV describing this sort of problem. The wife swapped her earnings into our joint account and stopped using a nationwide account, she had one direct debit for £2.00 which she cancelled. (sept…
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CCJ help urgently needed please!
Hi, I have a situation which I'd greatly appreciate some advice on! Here goes.... Due to circumstances I won't bore you with, my partner and I have ended up with a joint ccj for just over £900 due to unpaid rent at previous accommodation. We admitted liability, offered a payment which was rejected by ex-landlord. Then…
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Help and advice needed urgently...
Hi, I'm in desperate need of some advice and guidence I guess. I have a lot of debts, which are sort of under control (ie not getting bigger!!), but are also not going away. I have two huge problems 1. my husband has no idea. 2. I'm expecting our second child in July. I am under no illusion that this is going to get sorted…
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New DFW seeks debt advice- HELP!!!
HELP HELP HELP!!! Can I do anything else to improve my debt situation? (I'm not a perpetual spender but debt accrued from previous relationship) 2006 - £35000. 0% MBNA Virgin runs out May 2010 Only paying interest on Friend and family debt Taken 30% pay cut in the last 5 yrs for a job I love!! Hope to earn 2k more p/a as…
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Any help greatly appreciated
Hi, I wonder if anyone can give me some advice please? I have added my SOA below, but my main problem is the rent arrears (I live in a private rented property). I've tried today to get a loan just to pay these off as I'm so anxious when anyone knocks on the door, but I have a CCJ from when I left my husband over three…
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Partial Settlement V Final - Credit Report
Hello all I am in a position to offer make an offer to one of my creditors (prob about 70% as original creditor) so I plan to send off a National Debtline template letter outlining this. Obviously I will try for my credit report to be marked as satisfied, however I know from reading posts on here that some creditors refuse…
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Old Credit Card debt resurfaces, please help
I wonder if anyone can advise me of any action i can take regarding the following In 2005 I took out a loan to consolidate all my debts. The loan Company was to pay off the creditors, one of which was a Credit card debt with Goldfish that had been passed on to a debt collection agency. I have now received a letter from…
