-
Repair of credit rating after DMP
I'm debt-free in September, and am looking into how to repair my credit rating. I've read the MSE guide on (very) high interest rate credit cards, if you use (and repay) these regularly does it actually improve your rating?? Interested in any knowledge/experience you have folks! Thanks.
-
Nearly there! :)
Hey all, been a while since I posted here! Anyway, just wanted to do a quick post to announce I've just paid off and cut my last credit card up \o/ I'm now down to just my last small flexiloan. Which if I take account of all the bits of cash I've got coming in, in the next couple of months, leaves me with about £900 left…
-
Are Blair Oliver & Scott above the law?
I received a threatogram from them this morning & me being me, was only to quick & willing to get on the phone to them to tell them whats what etc..:D Anyway - i quoted to them the "Protection from harrassment act 1997" The chap i spoke to didnt seem to think that this applied to them & they would simply carry on making…
-
Aegis chasing me for an MBNA credit card debt
I have written on here before about how the only way out of my debts, due to losing my job is to sell my house. I have found a buyer and hopefully everything is going O.K. Then I can pay off the mortgage and credit card debts. However, this will take at least 2 months. Meanwhile I have no money to pay some of the debts. I…
-
Any advice welcome
Since splitting with my ex last August i now find myself £9,000 in debt. A £4000 loan that i took out at the time to get myself 'on my feet' and some credit card debt from before and since the split. Having changed jobs to move area my income is down about £7,000 a year to £17,500. I am paying the loan off at £145 a month…
-
What happens if i do not pay?
Hi all, looking for some advice. I have a DMP set up to pay several debts i have amounting to just over £20,000. Two of the lenders i owe £6,500 and £3,200 have froze the interest but the others have not.(They have reduced it but not by a lot) These just do not seem to be moving at all and it will take me over 25 years…
-
Some advice on debt collection letters please
Last week I received a letter from a debt collection agency regarding an address I haven't lived in for over nine years. It was a standard letter addressed to sir/madam and said if I didn't respond to the letter within 10 days they would assume that I was the person they were looking for and send me future correspondance.…
-
Natwest student loan help
Hello Several years ago I took out a student loan with Natwest, my current balance is £5,489 and I have an agreement to pay £40 per month due to having many other debts to re pay. I currently pay £104 in interest every 3 months and they are refusing to freeze this interest as all my other debt companies have agreed to.…
-
Need help peeps!
Hi all, as you know my dad passed away suddenly and I have been trying to sort out his affairs:(. He had a credit card that my mum was a secondary cardholder on and, after contacting the bank and sending them the death cert they have written to me today saying that they have now amended the title of the account to my mum.…
-
Help please
Hi i was wondering if anyone could help me please.Ive recently fell behind with my payments and have gotten my self into a right mess.I reluctlently agreed to pay monthly payments that i now cant afford and have started getting threatening letters and telephone calls.Im totally new to all this and dont have a clue as to…
-
Breach of Data Protection?
I've just received a letter from a DCA stating that ....."due to an oversight in our (sic) office an item of correspondence meant for you (sic) was incorrectly sent to another customer of the bank". How the hell does THAT happen?? As a gesture of goodwill they have reduced my debt by £50 (big fat hairy deal....). Should I…
-
Pay off 0% interest debt vs ISA
Any advice welcome. I've just transferred my debt to a credit card with 0% interest for 15 months. During that 15 months, should I pay off as much as I can afford or should I pay off the minimum and put the rest in my ISA (shares) and build up a lump sum until the end of the 15 months and then pay off the credit card. My…
-
Sat 22/Sun 23rd May - What small DFW things have you done today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
****Wonderful Warm Weekend Chat - get the washing out****
Morning all. Alarm clock woke me up for work - but it is the weekend :) Now need to start catching up on all the washing - unfortunately it needs finding and sorting out first :( Also off to sorting office for mystery missed parcel and need to order some online bits and bobs. Have a lovely weekend and remember the sun…
-
Depressing issue
Hey guys and girls, I am currently in £7000 worth of debt and it is making me feel terrible. At one stage it was £12000 so its quite impressive that I have managed to get it down but I have had enough and it has grinded me down to the point where I feel everything is pointless. I have a job that pays £590 a month so you…
-
Any help appreciated
I am very new to this (like 2 hours) so any help appreciated. My husband left our home in 1997. I had credit cards (but cant remember when I first got them) and over the next few years run them up as I couldn't afford to live in the house but couldn't afford to sell either (negative equity). As house prices improved I sold…
-
Advice appreciated
Hi I'm new here and need some help I may have done this the wrong way round and am not very tecchie so bear with me. If the technology does what it says it will then there should be an SOA somewhere (I've been lurking and see the first thing you folks ask for is a SOA) On paper I should be flush but for some reason things…
-
Missing Information on Credit Report
I went on to Experian to check my credit report and noticed that there are creditors missing. Would anyone know why that would be? I noticed on some other threads that people were saying some of their creditors didnt come up because of CCJs. Now I had to move from other flat due to burglary and hence if court papers are at…
-
DMP can it result in CCJ
I am starting a DMP with CCCS in June 2010 who are currently sending the proposals out to my creditors today. What i would like to know is can any of my creditors take me to court and apply for a CCJ even when I am making regular monthly payments albeit below the agreed minimum payments but they will have seen a copy of my…
-
court papers received....
ive been sorting an account out with montage catalogue where ive offered them £5 a month - letters have gone to and fro for about 6 months now with them refusing to accept the £5. I cannot afford any more and have explained that to them. Now, i have received court papers giving me 14 days to respond......can any help - do…
