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A problem with Lloyds
Hello all, I was wondering if anyone can help me with a problem my step-daughter has with Lloyds. A direct debit appears to have been taken early which has resulted in her account going overdrawn (unorthorized) for 8 days. Unfortunately she is on JSA for the moment and this money will be wiped out by the charges that are…
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final settlement thing
Hi I have read on here about an offer you can make to your creditors to pay a prt of your debt and if they accept they will write off the remainder , can you tell me how this works , can you do it for 1 debt at a time or must you do all at the same time and also what percentage is a good offer grim
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Question about defaults
Hello, I hope this is the right place to post this question. In 2006 I had a joint bank account with some friends I was living with. When we moved out we sent a signed letter to the bank telling them to close the account - or at least we attempted to but the letter never made it and the account was not closed. The balance…
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iva help
hi, i have £9000 debts which i am struggling to pay...i have heard about an iva and wondered if the citizens advice burau will sort that out for me,,... i have just got in touch with a company on the internet who says they will sort it out but will charge me £1500 extra should i go ahead with them or will the cab sort it…
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In debt. Please advise.
Hello all. I have come here for some advice. Let me explain my situation as briefly as I can. I have one debt from a loan of £4,000 which I took out to pay off my credit cards. I defaulted on this debt and it went to DLC. I paid them for about 6months, but have not paid them for over a year and the debt is now with a…
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CCj help please
I have recently checked my credit report (for the 1st time) and noticed a CCJ that was put on in June 2005. What will happen if I am unable to pay it Thanks for any help
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How long till Credit score improves?
Hi i was just wondering if anyone could help me. Last week i took a stand and repayed everyone i owed money to including this years council tax and water rates. S i was just wondering how long it would take for my credit score to improve?. Is it best to wait six months before applying for credit? or would three months be…
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Advice for a newcomer please!
Hiya, I really don't know where to begin! Myself and my partner have had loads of problems this last year. We got our own flat last year but it all went t*ts up when he finished work through depression! A year on and I am now living back with my parents as I couldn't afford everything on just my wage. Needless to say I ran…
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Oh my God!!! Help :(
Hi Everyone, I have recently obtained my credit report from Experian and I then noticed a default from British Gas. Details below: BRITISH GAS TRADIN... Public Utility Default £20 07/12/2008 ENTRY NUMBER: C8 Name: MISS N xxxxxxx Address: xxxxxxxxxxxxxxxxxxxx Company name: BRITISH GAS TRADING Account type: Public Utility…
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help please about cca
hi all sent off cca requests to two companies and one has come back for a loan pre april 2007, how do i get this on here for you helpful peeps to take a look at it and tell me if it looks valid on their part? thanks
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Hire Purchase - Welcome Finance
Hi! In 2006 I took HP for a car with Approved Car Finance (they work for WF). On the day the rep I was talking to said clearly (I have witness) that if I want I will be able to return a car after 2year period (original agreement was 4years) and I will not have to pay any money after that. For 2 years I paid very high…
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Is this new?
I've started getting automated phone calls saying the the government has introduced new legislation on the 6th April and I could be debt free in 2 years is this actually new or just another take on an IVA? Just wondered.
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pre-pay cards
hi ya, just a quickie. does anyone know if i can use a pre pay card on the play website? thing is were just going BR and not usign any of our accounts etc... so i'm borrowing my brothers pre pay card to top it up and use it online to buy a birthday pressie. will they let me use it on their website, and on my play account?…
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Various debts but left the country
Hi guys, I left the UK in 2008 and left some debts unpaid. Credit Cards, Loan and mobile phone bills. Overall £ 8,000 so it is more now. I know I'm getting some letters regularly because my relative still lives in the property I lived in before I left. They don't know that she's my relative. I was wondering whether I…
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Credit Reports?
First of all, very sorry if this has been mentioned plenty of times in the past but as I have restricted internet use at work I cant spend hours looking through forums for the information I would like :o I've noticed that a lot of people are mentioning their credit reports showing exactly what they owe etc. Although I am…
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advice needed please
i am on a debt repayment paln through CAB and so far my creditors have been ok but my dad is a bit worried as he has left his house .which.he still has £7000,00 to pay but his life insureance and savings should just about make the balance in his will he has put a clause ..leaving it jointly to my brother ( he stays in the…
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Next Step - Just Got Credit Report
Hi, New to this, just bought my £2 credit report from Equifax, not sure what to do next all i know is that i cant get any credit in any form from Banks etc. This is the details of what the report says; Natwest Personal Loans - AP - Current Balance £11,865.00 Natwest Personal Loans - AP - Current Balance £859.00 Barclays…
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Default Notice from Virgin Media
I moved house a couple of months ago and have been waiting for Virgin Media to send me a final bill which I have not received but today I got a default notice from them saying I owe them £56.35. They have not made any previous effort to contact me so I am wondering if there is anything I can do to get this default removed…
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Skycard - where are they now?
Hi I am trying to complete all the information NDL require to start processing my DRO and I cant find any debt collection agency for my old Skycard credit card. I phoned "Power 2 Contact" this morning who tell me that on 13th May 2009 the debt was passed back to Skycard last year as no payments had been received. They told…
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Credit Report - No Credit Card
Hi, I am after obtaining a credit report to check what debts are on their in order to try and clear my report, as i am looking to get a mortgage in the near future. I have tried Experian etc but they all ask for a Credit Card in order to access the online reports, as i only have a Cash Card and all previous cards have been…
