Debt-free wannabe

Discussion List

• decree debt

  Hey All, Im not sure if anyone can advise as im in Scotland. My husband had a decree granted against him for Clydesdale Bank Credit Card and has to pay £75 per month. I have paid these every month and today he received a letter from Marlin Financial Services. . . . saying We are pleased to advise that we are able to…

• True SillyBilly

  Hi folks, Just realised how silly ive been for the last 5+years, had a number of credit cards ans for the last 3 years i've been paying the minmum monthly payments:mad:. Decided that i'm going sort the mess I've put myself in!! Background I have 3 credit cards - Card 1 - 29% - £2531.98 Card 2 - 32% - £931.00 Card 3 - 28.9…

• Satisfaction of Judement

  Guys & Girls After a little help please... I recieved a judgment for an old debt which i cleared within a month. I have recieved a certificate of satisfaction and CreditExpert has confirmed that the judgement will be removed. My question...will be credit score go back to its pre-judgement level once the judgement is…

• When does direct debit bounce invalidate car insurance?

  Hi everybody Again, a nervous wreck due to a very bad month with moving to London and not saving enough to do this..I had my direct debit bounce for Tesco car insurance which is £96 a month...This bounced on 30th May so almost a month ago but I will be paid 30th June so can pay it all back and start again with a new…

• Not sure where to start - need to reduce payments

  Hi, I've reached the stage now where I can't afford to make the minimum payment on one of my credit cards. I have three credit cards, mortgage, 2 loans to pay each month. I feel that if I had 3 months without having to pay them all, then I can get myself straight and be able to pay off more than minimum repayment. My…

• mackenzie hall-what is going on?

  i shall try and make my problem sound simple if i can! i have lived at my present address for 14 years.i owed some accounts to wescott which were paid off in january 03.in september 09 i got letters from mackenzie hall saying i owed these accounts.so i rang told them they were paid in 03 and thought that was it as the man…

• Credit repair help!

  HI, I wondered if anyone could help me I really want to repair my credit history but the problem is that I am with the CCCS on a DMP so this continues to show failed payments on the debit in question. Is there anyway that I can stop this as I am making payments just not direct to them for the amount they want. Thanks in…

• Help - council tax arrears summons

  Hi all, This one involved a bit of a scene setting: At the end of May/beginning of June, I got an out-of-the-blue summons for council tax arrears since January. I say it was 'out-of-the-blue' because I thought I was receiving Council Tax benefit. I became unemployed last year and started claiming benefits mid-December. I…

• Egg court case

  I was just wondering if anyone knows what happened at the Egg court case. Thanks Michelle

• settlement figure

  I took out loan in March 2005 for £5,700, repayable over 7 years at a rate of £109 monthly, payments beginning June 2005. Now 5 years later and regular payments all the way there is £2,642 still owing. I phoned about it she said the original loan was for about £8,700 including interest etc. I asked for an early settlement…

• Weird Credit Report

  Hi, As I am trying to regain control over my past debt mistakes I try to check my credit report on Experian once a month. I have logged on their today and everything has gone par two accounts. I have a CCJ and accounts for things like T-Mobile and none of it is on there?? Any ideas as to why Thanks

• Time to admit my problems.....

  Well here i go, im a 25 year old male that abused how easy it was to get credit at the age of 18 and since then have failed to make payments after about 6-10 months when i took the debt on. My problem now is that i have been in a relationship with my girlfriend for over 3 years and we have been talking about buying a…

• Oh god what a mess! CCJ

  OK, I have recently recieved paperwork for a CCJ for a £1400 credit card. I have totally mucked up - AGAIN. I have filed a defence and asked the DCA fopr the relevant paperwork. Having worked out the dates wrongly first of all, I thought I still had another week and a half - now I realise I only have till Thursday to file…

• Advice Required

  Hi, I am currently paying back all my debts either through a DMP with CCCS or with 'Time To Pay Directions' after 3 of my creditors started legal proceedings. One of those who obtained an Extract Decree was Clydesdale Bank and we came to an agreement outwith court that I would pay back the outstanding amount and court…

• Lost FOS complaint so will now struggle to repay everything

  Found out that I lost my complaint to the FOS regarding NatWest's charges and their handling of my bank account and the default notice they applied against me. This now means I will need to be paying out an extra £170 per month to repay the amount I owe to NatWest (all but £500 of it was in bank charges they hit me for…

• Statement of Affairs

  Hi people, this is how my life looks right now. Monthly Incomings: My salary - £838 Total - £838 Monthly Outgoings: Rent -£300 Current Rate of Credit cards per month - £350* Tesco Credit Card - £3200 - £160 a month minimum payment * Virgin Atlantic Card - £2700 - £135 a month minimum payment * Barclay Card - £900 - £45 a…

• OMG! I so need some help.

  Hello :O) I'm struggling to decide what on earth to do for the best. I've been on here for a while but things always keep changing and i'm so confused. Been speaking to CCCS but our amount left each month, is pretty much the same as the minimums on our debts so I don't know what to do for the best. I think this is mainly…

• Pounds till payday

  good afternoon, I am hoping somone can help me i defualted on my payday loan with ptp on the 25 April i had a few calls but told them i would only deal by email, i havent heard anything since its been 12 weeks and i am a bit worried i would appricate some help, do you think i should email them and find out whats going on.

• Natwest Loan=Triton DCA

  Hello All, 1st time here but over the coming weeks and months it wont be the last. A bit of my background, self employed tradesman who has basically come to the end of the line me thinks, there is just no work coming in at the moment and things are very bleak..... 18 months ago i took out a Natwest business loan for £9500,…

• capquest urgent advice needed

  hi, can anyone who has dealt with these people advice me. ( i am new to all this) they have taken over a credit card that i owe money on (£1500) and bombard me with calls sometimes up to 5+ a day and send countless letters from a solicitor, i can't remember signing a credit agreement with the card company when the card was…