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Help negotiating with MBNA, Bank Scotland & Mint
Need some advice Has anyone had any luck approaching their credit card provider ie MBNA, Bank of Scotland or Mint and trying to get them to reduce their APR on outstanding balances I have a £12k balance with MBNA, £8k w Bos and £7k with Mint Rang all three today seeking some assistance since having difficulty making…
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Defaults when settled~
Hey guys, can anyone advise me how damaging defaults are even when marked satisfied or settled? Iv got 12 :eek: yes 12 defaults from when i was a student and my debt totals about 3000pound! I hate myself for getting stupid 50 pound defaults but i cant turn back time! I eventually want to get a mortgage and finance etc but…
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Deep breath.....
I've been reading these debt free wannabe threads for a while now and have finally decided to start my own to keep a record of my attempts to sort it all out. So here goes on election night when I'm staying up late anyway I thought I'd start it. Just need to work out how to do my signature...
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pondering credit card transfers
Hi, My apr was recently increased (RATE JACKED)for one of my cards to a staggering 26%. Recently (even though I have never missed a payment) my credit limit has been reduced on a few cards making me think I have no way of getting more credit anywhere else. When I went to vist my parents I noticed they had an offer from a…
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Calling CCJ Experts - help needed please
Hi, This is a bit of a saga so I apologise in advance for the long post. My OH owes some money to a company. Early this year they contacted him - he explained that as we owed council tax arrears we could only offer a token amount. We heard nothing for a bout a month. Then we received a letter from the company he owed money…
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Debt Free ASAP Pledge - Join Me!!!
Hi guys! Been lurking/posting on here for a few evenings and getting some great advice. I've decided to print off a debt free pledge as a reminder to myself of my weak areas and how to cut costs. Wondered whether anyone else has done this, or if anyone has any comments, or would like to join me in a pledge? Wish me luck! T…
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Credit report?!?!
Hey friends! My boyfriend recently got a copy of his credit report as it was baffling me how he had been refused a contract phone! He took out a loan in 2008 and defaulted on it in 2009, this is his only debt, he has a regular wage going into his bank and is never overdrawn as i tend to manage his accounts! The only reason…
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SOA revision
Hello to all you wonderful people!:T Having been looking (all bit it a bit randomly) at this fantastic website. I thought it best to possibly re look or redo my budget. Especially as Election on at the moment!:eek: Interests rates hike??? Not much has changed, but a few posters could not understand my original post, and…
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CCA What next???
Hey Guys, I sent a cca request and cheque to Buchanan Clark and Wells about an old o2 phone account. The next day they sent the cheque back with a reply that they dont have the cca as they are not the creditor and i can only get that from the creditor. Since then they are ringing my house none stop as early as the same day…
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IVA v's DMP
Hi, me again. Apologies for the encyclopedic proportions of this post. I'd really appreciate it if peeps could read my thoughts/situation and correct my assumptions and offer advice. Briefly I'm married, 3 (soon to be 4) kids with 35 thousand unsecured debt in my name. My wife doesn't work but attends college and all are…
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Credit cards when overseas
Hello, need a bit of advice! I am moving overseas soon and I have a few UK credit cards and loans. (Part of the reason for moving is to pay them off sooner!) My question is do I need to tell the companies involved I will be moving overseas? My payments will continue to be paid from UK bank account each month and I have no…
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Help please!
Post removed due to creepy profiling of user
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Littlewoods Account taken over by Phoenix??
Hi all, my Littlewoods catalogue account has been taken over my a company called Phoenix. Littlewoods gave me no information other then their telephone number. Stupidly I was with a Debt Management company costing me £70 a month :mad: (I didnt know about it until I sat down a while ago to sort my life out!) I am taking…
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Credit report score diffrences
hello can anyone help, my husband and i both got our Experian credit reports but there appears to be nothing on them except 1 previous address we both lived at for same amount of time, however his score is 586 and mine 373 but on the other 2 agencies (callcredit and equifax) its myself who has the better credit rating so…
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Best order to repay debt!!
Hello!! I am very new to this but feel quite pleased that the time has come for me to do something about the horrible debt myself and my partner have racked up. As it stands we are in currently in debt to the amount of £9200.00. I have just got a new job which luckily gave me a 10k payrise and having cut back on many bills…
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advice about an offer a recieved from the bank about my OD?
So i have an old student overdraft, which when i moved from college to uni was taken off me. I was originally only going to be at college for 2 years, then realised with my HND i could get into uni. So they would not extend my overdraft for the full period which i would be studying, and even though i am still a student…
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I'm so worried, really need soa advice please!
I have jsut finished uni for the summer, so no student loan over summer, and will only have my wages, and to be honest i am only working about 10-16 hours a week, as hours have been seriously cut! Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 410 Partners…
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What should i offer F&F
Hi There, I'm new to this site so please bare with me. I have had debts hanging over my head for so many years now, i'm pretty sick and tired as i'm sure many of you are. Being only 28, I don't want to carry on the rest of my life paying debts off and never getting anywhere... I have outstanding debts totalling…
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Personal Challenge
Good afternoon all, hope everyone is having a lovely Thursday :) I've added this in the Diarys page but thought there was no harm in writing in here too and see if I can get some kind of response. Basically, in order to pay the minimum of my credit card this month I need to find £117.19 in 2 weeks (due date is 21st May)…
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Could really do with advice on a debt agency chasing old debt
Hi, I am looking for advice on a debt from 5 years ago. I lived with my partner and had a knock on the door from the local authority telling us we had to replace the boiler in out alley as it was now illegal to have them outside due to a new ruling. This was fine but we could not afford it, they offered us an interest free…
