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MBNA rejecting CCCS
Hi everyone! Im on a DMP with CCCS. A number of creditors have rejected my offer (no suprise there) but one in particular, MBNA, keeps hassling me.:mad: They keep sending emails (they stopped calling after i complained) with things like 'call us, we want to help', 'call us ,we need to know your circumstances so we can…
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Default notice
My wife has had a default placed on her file regarding our joint account which is subject to my F&F IVA. They have issued no notice to either of us. Question is have they an obligation to do this ? and can they chase her half of the debt after the IVA is completed in December even though all of it is included in the IVA ?
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A lot of advice needed please :-(
Hi, Ive posted on here before but my situation just got a lot worse. My boyfriend and I have split up and are having a 2 week break so that we can think clearly about everything before making it totally final. We have a house together and I have a lot of debt. When everything is split down the middle I only have £100 spare…
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The hundred pound challenge!
Hi all, I don’t post that much on here but I am a long time lurker and I have learnt so much from reading posts on here :beer: A bit about me... I work full time but never seem to have anything left at the end of the month when all the bills have gone out and I seem to be using more and more of my overdraft up each month…
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Debt Advice
Has anyone ever dealt with innovativefinance.co.uk? I'm having an awful experience with them, can anyone recommend a good debt management company?
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Starting a pension when on a DMP?
Hi all, I'm due to start a new job next week and part of the package is an option to join the pension scheme. As far as these schemes go I'm advised its one of the best (a local government one). Job is a big pay rise so will be coming out with about the same as I am now if I pay into the pension scheme so am sure we can…
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Bit of Advice needed
Going to sum it up. Im a student at University, basically trying to hide the fact i owe a few thousand to various companies or what not. Went home for christmas and have loads of letters still, mum getting worried and so am i now. A few of the letters say after recent attempts they believe i reside in the address and have…
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New Statement
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 100.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 1,166.67 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Settlement - Amex
Dear all I think I have negotiated a full and final settlement with Amex I have received the following letter (personal details excluded) "In reference to our recent conversation, we can advise you that we have agreed to accept the sum of 1509 as settlement of your current outstanding debt of 4200. This means that the 1509…
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Which Lenders Check Which CRA?
Is their a list of which lenders check Equifax, Experian etc.... Thanks
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How to pay for CCA requests?
Hi, I have all of my letters ready to go 8 in total and am wondering if there are any alternative methods of paying the £1 fee? The post office are going to charge 50p per postal order and i don't have a cheque book, nor do i want to ask anyone to help me on that front (there's far too many cheques!) Assuming i'll just…
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CCJ's Disappeared???
Hi, After checking my equifax (last time was probably about a year ago (used experian since due to equifax not accepting my maestro), i have noticed my previous address, all credit linked to it and my ccjs (registered in 2007) have gone, i am totally baffled. The ccjs didn't show on my experian either but i just assumed…
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Hi Im new...and need advice
Hi All I am new and I am a debt free wannabe. I really need some advice though as I cant stop spending :( I buy things I dont really need even if I cant afford them, I just put them on my credit card etc. I cant help it, its like im addicted! :( Also its doesnt help I have access to the internet as I am always online…
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Credit Score Help for debt free person! Please Help!
Hi eveyone, Not posted on here before so please let me know if you need more information. I have been a total moron with regards to my finances in the past, and about 2 years ago I had had enough and so concentrated on paying off as much as I could and as quickly as I could. I am now debt free, but my credit score has…
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Where do I start?
Hi All I would like to know where I start in clearing my debts and actually finding out how much debt I am in. I suffer and have suffered from a mental illness for several years and as a result I am very disorganised and become confused very quickly when dealing with things of this nature. I know I have a few outstanding…
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Variation Still Too High For Me?
I've a debt with MBNA, which in turn has gone to Optima - I have a debt management plan, and I sent an N245 with £35 court fee to try to vary to the pro-rata share, which is £21.34. This morning I received a variation order from northampton county court saying they have 'considered the papers received from the parties' -…
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Two Questions regarding debt
Hello everyone. Just 2 questions on debt if anyone knows the answers 1. Will a CCJ be removed from your credit history after 6 years? 2. Do accounts automatically get removed from your history after a 6 year period, or can the company you owe money too keep them on your history after the 6 year period? Thanks :D
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Help - What do I do?
Hi, I'm a long time reader, first time poster. I have seen that people on here give excellent advice and wondered if you could help me please. I'm so worried about my debts and I'm struggling to sleep for the worry. I have debts of around 4,000 (credit card and store card) I was wondering if its a good idea to take a loan…
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Exercise Advice (Personal Trainer)
Hey everyone :) I'm a qualified Personal Trainer, so i am willing to answer any diet/exercise questions you may have :) :j
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Yorkshire Water
I have just had a letter from Yorkshire Water saying they will not freeze my account and that I have to call them within 7 days to arrange payment. Can I send them another letter with a Statement and my offer? Or will they just not have it? Does anyone have any experience of this? I also need them to remove my friends name…
