-
Equifax subscription.
Hi all, i have had equifax gold now for about a year and decided that enough was enough as the site doesn't work if you want to do anything other than order credit files etc and have tried to cancel the subscription only to find that it is impossible to get any contact details. Anytime i find a company is like this i…
-
Which Prepaid Card?
I'm looking for recommendations of a good prepaid card. Basically my OH likes to buy on ebay. He doesn't do shops but buys a load of tat on ebay. If he has Xmas money or birthday money it goes on ebay. If he sells something it goes on ebay. :eek: As a result I pay for the items through paypal and then he gives me the cash.…
-
CCA QUERY-Freemans Catalouge
I have an outstanding debt with Freemans catalouge. The debt has now been passed over to Moorcroft Debt Recovery Limited. I sent the template letter requesting a copy of my original agreement. As i that i did not sign the aggreement i still have the original paperwork which is dated before 2007 and i never signed them. I…
-
DW&P chasing me for a debt from 13yrs ago..HELP NEEDED
Hi there, Will try and keep this quick and simple. In 1996 i was a stupid !!!!!! and claimed benefits(jobseekers) whilst working, i was taken to court and told to repay, however at a later date i couldnt afford to pay and instead was given B&B at her majestys pleasure for 31days and everything was meant to have been…
-
is it ok for bebt collecters to add to the debt
i got aloan out back in 1999,not long after me and my girl friend split up(now married) i was taken for csa so by the time i paid evey one i had no money left over.i asked the bank for help and all they could do was offer to loan me more money which i refused,so i sent up a payment for £15 per month which more or less i…
-
Income gone up (post discharge)
Help. Quick query. I was discharged 6 months ago, but pay IPA (until 2012). My salary has gone up (4 months ago). I emailed moonbeever at the time and told them and they replied telling me that if it had gone down I could suspend payments (!). I`ve obviously kept the emails and also been trying to save the extra salary…
-
Its a long haul
Trying not to get fed up at the moment and concentrate on now......... I'm on a joint DMP and its a biggie. We have 7 years before we will be debt free, have been on a joint DMP now for over 2 years. I have to say we are mentally struggling at present, well I know I am. I find myself fed up as it isn't moving as quick as I…
-
default removed ?
anyone know how long it takes for a default to get removed and is it after the debt is paid off thanx in advanced
-
Collection agent...can they take my stuff??
One of my credit cards which I have been unable to pay for a while has said they will be sending round a collection agent to my house. As this is an unsecured loan will they be allowed to act as baliffs and take my furniture etc? I hardly own anything as it is and we (my young son and I) certainly can't afford to replace…
-
SOA Help needed please!
Hi, I'm new to this and just had my light bulb moment in January when my finances started to affect my mood and relationship with my girlfriend and general well being. Any help would be much appreciated: Outstanding debt Halifax Loan 1 - £14,340.70 left @ 13.2% = £226 p/m Halifax Loan 2 - £9,151.32 left @ 14.9% = £404.57…
-
Free in 2012
Hello there - my goal like everyone else is to get rid of debt once and for all. I have done up a SOA but the suprlus money section looks too healthy! I definitely don't have that amount of surplus money each month but I'm not sure where it all goes. I think I shoud keep a diary to record where its going. But my question…
-
Encouragement
Just to let you all know I used to be an avid viewer of this board but today have moved to the "Savings and Investment "board as am now debt free and have a few pounds savings, so am looking for tips and ideas there. I NEVER thought I'd get there, or form a regular savings habit as I thought I had too little ,always. How…
-
my soa please comment but please be sensitive as suffering from depression.
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.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1460…
-
What should we pay off first?
Hi everyone I have started a diary on the diary page too but on the advise of happytobedebtfree am posting my SOA here too. We really need advise on what we should pay off first. We had planned to pay off out overdraft first as this has the highest APR (only just realised this as part of sorting out the finances!). Also…
-
Newbie requiring urgent advice
Hi I am new to this site and am really desperate for some help. I really don't know what to do or who to go to, so any advice would be very much appreciated. Our situation is my Husband is self-employed and last year was a very difficult year for him with several months with no work. Fortuantely he is very busy so far this…
-
settlement for a loan included in my cccs dmp
Hi there Just wanting a bit of advice Does anybody know how i would go about getting a settlement figure for a loan that is included in my dmp with cccs I have 4 loans in my cccs dmp the smallest of which is now down to around £800 (from 3k yay), with a bit of work i could free up £500 which may be enough to make a…
-
CCCS & DMPs - Queries!
I am planning on starting a DMP with CCCS shortly. I am scared. I am worried about a number of issues and wondered if someone could put my mind at rest please? 1) I have always just about managed to keep up my repayments with all my items except for one / two debts which are on frozen interest and agreed monthly payments…
-
February save on work lunches challenge
After a really good January challenge, I'm starting a new thread for February, I've really enjoyed the lunches challenge in January, saved lots of money and I'm sure lots of people like me have found the thread really useful and motivating, so I'd love to keep this going for another month. Nottobadyet - hope you don't mind…
-
False default on my credit record
I originally posted with regard to this issue on the 1st credit thread, but thought i may get more replies in my own thread. The main gist is that, back in i think january 2009 i received a letter from 1st credit claiming i had a debt of £474 with quickquid.co.uk, I had absolutely no knowledge of said debt and certainly…
-
Decent (?!) Debt consolidation companies
Hi, I'm a new user to this forum. I am 25 and managed to accumulate £12000.00 of credit card debt... not good! I have been maxed out on most of these cards (and gone over their limits several times in the last 6 months) due to some expensive personal issues (broke up with partner etc) Anyway, as a result of my poor…
