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Halifax moving the goalposts???
Hi, I hope someone can answer a couple of questions for me. I sent a letter to Halifax on 15th Dec offering a pmt amount of £4.60 a month off a £2k debt and had included a SOA from debtline website. For personal reasons, I can not use a company to deal with my debts but have to do it myself and I would prefer not to go…
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Roxburghe (Again!)
Hi All Have read all the previous posts on this outfit with interest. My fiance is now on the '72 hours to respond' threat letter over a £770-odd bill from Tiscali. The situation was as follows: His ex-wife and two daughters had Tiscali in the house, but it didn't work properly, so they just contacted another ISP provider,…
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morgage free
any advice would be appriciated i am have a morgage which i cut down to 8 years, 5years of it was fixed and there is 2years left on it which then leaves me 3years left at the moment i am paying £230 per month on it, it does say that i can make 10% overpayments which i have only just relised as i have never under stood what…
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Old Debt
Hi All, I have heard some talk about credit agreements that are signed before April 2007 that are in debt can be written off or reduced. I would like to know more about it to be honest. Can anyone help?
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Nationwide Default
Hi I had a default placed on my file for around £500. After a complaint to the FOS it was reduced to £80 as Nationwide said charges should not have been applied after the date of default. What i am wondering is as they have admitted a breach of the Data Protection Act for 3 years why is no action taken against them for…
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Soa
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 Details Monthly income after tax................ 3450 Partners monthly income after tax....... 1650…
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Advice on clearing default
Hello I wondered whether someone could please advise - I have a default with Abbey (credit card) from July 2005 for £1600. This has been passed on to numerous debt collectors and I receive a letter about twice a year with the usual threats etc, but no action has been taken. I would like to make an offer of perhaps £500 to…
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HBOS's "best offer" grrr these people make me mad
I'm still arranging my DMP at the moment, but got a call from HBOS today offering to lump the 2 credit cards and the loan i have with them into one loan over 5 years at £200 per month (most of the surplus income) but wanted to secure this on my property (mortgage also with HBOS). Told them where to go that i wouldn't have…
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7 years in, can I make an offer?
I racked up roughly 30k worth of debt when I was in my teens/early 20's on credit cards, a couple of loans etc. I've been with Payplan for about 7 years paying around £230 a month. I still owe 13k spread over 8 creditiors. They are; Barclaycard Robinson Way Royal Bank of Scotland Moorcroft NCO Financial Services Credit…
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Rebuilding after an F&F IVA
Hi all, I managed to arrange a full and final IVA in 2008 through MacCambridge Duffy (Highly recommended for their customer skills btw) We raised the funds for this through a private loan with my in-laws which we are paying the repayments to them over 5 years. (4 to go) Basically my wife and I have a 5 year plan now, that…
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HElP HELP
My daughters old nursery are chasing money off me, she left the nursery 2 years ago and they have within the last month sent me a letter from a debt collecting agency stating i owe over £2500.00 and I have a CCJ against my name??? They have never tried to contact me before this debt and are bombarding me with threatening…
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Missed payment record removed on Experian report & available credit decreases???
Hi guys, After registering for free on creditexpert.com I noted that an old credit card account I had with HSBC, which was settled in August 2008, was still showing as active and had a 'late payment' red mark against it. I contacted HSBC and got it sorted out and they subsequently (after one 20 min phone call and one 30…
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credit report
hello can anyone tell me how i can get my credit report when i dont have a credit or debit card, i have a bank account but its just one where u can withdraw cash and set up direct debits. i need this quit quickly as i am in the process of doing a debt releif order. thank you :smiley: :)
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Westcot say I owe money - 5 years ago!!
Hi everyone I had a surpise letter at the weekend from Westcot Credit Services Ltd; never heard from them before. I moved house 5 years ago and apparently - now the first I hear - I owe the previous landlord, a housing assoc, £149. I'm annoyed as I doubt very much that I owe the money, but how can I prove that I don't from…
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HBOS Defaulted 3 1/2 years into DMP - can i do anything?
Hi All Am absolutely furious, to cut a long story short have been on my DMP since august 2006 with CCCS and all is going well. and i have now paid nearly 60% of my original debt...yesterday i got a letter from HBOS advising me that they are defaulting me 3 1/2 years after my DMP started :mad::mad: (notwithstanding the fact…
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Little bit of advice.
Hey, Well i'll start off by saying i have a ridiculous credit rating! Due to my mother applying for loans and catalogues in my name and not paying them off! So a breakdown of my debts are: Littlewoods: £500 Studio: £180 Laptop: £600 Course Finance: £4500 Mobile Phone contract: £40 per month Car: £400 Car Insurance: £128 a…
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Really upset, need some advice
I got my £2 staturory credit report today and it says i have a ccj for £490! Now I had a car accident back in july 2008 that was my fault but as i'm fully comp, Swift were going to sort it, so seeing this on my report is a huge surprise. I rang up the court who said they havent receieved a certificate of satisfaction form…
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Alert! Helpful person in Barclays call centre today!
:TAmazed... I have one of those accounts which you have to pay a monthly fee for. On the account I also have a massive OD (£2.5k), which is free... I think the free element of it is a mistake from when I was student, and no one has ever questioned it (least of all me!). The OD is part of my debt total, so will get paid off…
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Saving with debts ...? (now includes SOA)
I know this might sounds like a very daft question, but at the moment I am putting small amounts into a savings account each month even though I have a few debts (nothing as bad as some ...but debts all the same.. and certainly more debts than I'd like!). I suppose I do it because of the mentality that "At least I'm saving…
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Mercers
Hi, I have sent my letters off last week asking for time etc and that I will send my payment proposal to them within 28 days. However, Mercers (a Barclaycard debt) have sent a letter saying they are going to send debt collectors to my door. What should I do about this? It sounds to me like they have not acknowledged my…
