Debt-free wannabe

Discussion List

• How will tackling debts effect my fiance?

  I wracked up a lot of debt as a single mum at uni. Things were so tight I started putting normal bills like food shopping & electricity on my credit card - doh! So things got REALLY tight. I'm now engaged to a wonderful man who owns his own company and bless his heart, pays for just about everything. He pays all the bills…

• Help! Ltd co. debt - HC Bailiff removal van at my home?

  Hi, I have been running my own company since 2002 but after a terrible 2-3 years trading have been forced to take a job to pay the mortgage. The co. still has debts that are being serviced very slowly by a drip feed from my final client. Unfortunately one of the suppliers I parted company with over 3 years ago has…

• How are student loans treated in a DRO, IVA or BR?

  Hi there, I accumulated £18000 of debt over the past 10 years through a relationship screwup and being a single mum at university. Part of that debt is a £5000 loan from the student loans company. As the loan was backed by the government and repayments can be deferred until my take home earnings are considerably more than…

• Registering new car

  Hello, I have had a repossesion due to an ex boyfriend and have agreed a settlement figure (£14,000) with the mortgage companies debt agency and I am currently paying this off monthly (£300) to them. This is my only debt and I am in full time employment. I am now living with my new partner (rented) and we have been sharing…

• Old debts from being foolish....

  Hi I travel a lot but am on the elec roll at my parents (10 years) recently I got a credit report and it showed my defaults from credit cards/loans from around 2006 when I went through a messy relationship breakup (all debts in my name) I have had no contact and just ignore/return to sender unkown at this address the…

• Financial help & advice needed please :-)

  Hi All, Firstly, many thanks for taking the time to read this thread. My point of being here is that i need help in sorting my finances out, by that I mean, I am wasting so much money at the moment. I will give you my figures, and see what anyone can suggest?? I get child benefit and working tax credits, so anything that…

• First time posting....

  Well, I have been using this site for a long time now and got some amazing tips which have all helped. Thought it is about time I posted something to say a thanks to everyone who has given tips which can be used by all. November 2008 my credit card was nearing its limit, the balance stood at £14808.24:eek:. Interest on…

• Frederickson International settlement

  Hi, my Brother has received a letter from this debt collection company for a Capital One debt of £820 which was somehow forgotten about after he split with his partner last October. He acknowledges he owes the money but when he spoke to them on the phone, they were demanding repayment within 7 days or they will take him to…

• DMP or DRO

  Hello, I've been lurking around for a while and thought since I'm 2 years into a dmp and looking for advice someone around these parts could help..? Me and b/f (soon to be hubby when finances allow for a wedding!) got into about £5k worth of debt a few years ago, and since then have really struggled. He is unemployed, has…

• Refused Credit

  I joined Credit Expert a couple months ago, and everything seems fine on my credit file, all my overdrafts and bank accounts are all ok and in the green with no late payments etc. I got my credit score of them too which said I was about 750, which was a fair score according to them. Today I went to PC World to get a laptop…

• Sky LCS 'debt' - prove it or unenforceable?

  Hi, hope this is right forum, rather than the TV forum. My OH recently received a letter from LCS (debt recovery) stating that he owes Sky £91. He currently has a Sky account and contacted them to check that he didn't owe them anything, which he doesn't. He has not received any letters from Sky saying as much. I thought it…

• Weekly Spend Challenge W/C 20th June 2010

  Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…

• Please help? Need debt/mortgage advice...

  I know this was probably possible back in the days before the credit crunch but I was wondering if anyone knew of any companies which offer mortgages to people with bad debts and defaults? Or advisors who will be able to tell me how to repair my credit? I have 12 months to fix my situation and I would really appreciate any…

• Phone contract upgrade- credit check?

  Does anyone know, if I have an existing mobile phone contract with T mobile, and am eligible for a handset upgrade, whether I will be credit checked?

• A few questions about my credit record!

  Hi! This is my first post on MSE (even though I have been lurking for a while!) so I apologize if I've posted this in the wrong place - I couldn't work out where would be best. I finally worked up the courage to get a trial from Experian. I really didn't want to look (head in the sand syndrome!). It really isn't that bed -…

• I want to check my credit rating for free..

  How do i check it can anyone link me to a sight..to where i can check it...?

• Capquest and Tmobile

  My 20 year old sister (stupidly) took out a £40/18mth contract with T-mobile for her 17 year old friend. This is despite the fact that the friend does not work, despite the fact that the friend has an older sister and mother (who it now transpires has a poor credit rating) who could have taken out the contract for her. Low…

• Given wrong bank details by lender?

  Hello all, I have a debt with Clarity Credit Management and we have recently come to a repayment agreement. However, the bank details they have given me can't be found by my bank! When I enter them on the "pay a bill" section of the Lloyds website, it says "company not found". Why on earth would this be happening? Help…

• Debt Collectors

  Hi, I have a few debts from many years ago that McKenzie Hall are trying to chase up. Approximately one month ago, I sent them the prove it letter by recorded delivery. I know it has been received as I checked on the Royal Mail website. Does anyone know how long it takes these idiots to get back to people. I also received…

• Barclaycard

  OK I am now at a stage where i can no longer afford to make the minimum payments on my Bcard the last payment was due on thursday i need to call them is there anything i need to be aware of or to say when i do?