Debt-free wannabe

Discussion List

• Any advice would be great

  Hi there, I have the following debts: * IF Personal Loan - £2950 * Santander Loan - £6570 * Barclays Graduate Loan - £5590 * Overdraft - £2800 Whilst having the above debt is far from ideal (mainly because the monthly repayments for 3 unsecured loans adds up to over £550), payments on the above have always been made on…

• capital one default ?

  I've had a capital one credit card for 5 years Recently i've found it difficult to make payments i instructed capital one of this and although they said they understood my situation i would have to pay the minimum amount which i couldn't. They have now sent me a letter (which was delivered today informing me that the…

• Need some debt advice

  Hi, I am using a different posting ID for this particular thread because I dont want people to know who I am, due to the whole embarrasment of this situation I am in now. At the beginning of this year, I moved in with my partner (now wife). Approx around February, a letter was received from the council stating that an…

• Ccj

  I have checked my credit file-call credit and it says my six years afte my CJ will be in January 2011. WIll my credit rating go up, do I have to do anything to stop it showing on my credit file or will it always be there but not count as much? Thanks

• What happens if you have been given T&C that contradict signed agreement?

  I was about to terminate my welcome finance agreement under section 99 of the CCA I have now discovered that on the T&C I have it says I can do this - however on the agreement it says "you have no right to cancel this agreement under the CCA." so can they be made to accept the car back as it clearly states I can in the T&C?

• Court summons. 1st time, advice needed!

  Hi guys, I wasn't sure where to put this so I put it here. Its not related to debt neccessarily (although it is connected). I bought a 2nd hand car last November, which the seller had already used as security on a loan for one of those 'Logbook loans' type of companies. He had already defaulted on his payments & the car…

• natwest have reinstated our loan d/debit - we are with cccs - im scared to phone them

  hi , we are with cccs on a dmp .. and natwest have reinstated our d/debit .. to go out of our old natwest current account .. we do have some overdraft left .. just under £1000.00 .. ive been told to phone them natwest collections department or loan department to cancel it again .. also they are quering the budget .. so…

• Feel Useless...

  Hi everybody, I have looked at other people's situations and I know I am by no means too bad off, but for my own expectations, I feel silly. Basically, I went to a top uni and worked hard for three years and received no help (which is fair enough), but I was also on the wrong student loan for this. My parents did not earn…

• Hello from newbie !..bit of a moan sorry!

  :o Hi there everyone! I'm Laura, 29 married with 2 children. Here is my situation....I've had debts for a number of years but they were under control, however when I met my husband I didnt realise he had the amount of debt he had and now in total we're over £25k joint debt! We are with William Goldberg, a debt management…

• Default explanation needed

  I have at least one default at the moment and am likely to ‘collect’ a few more off various creditors along the way. From reading various posts and threads I understand some of the logic behind a default but I could do with a few things clarifying; I’m just thinking to the future when hopefully I will be credit card debt…

• HFO/ Roxburghe/ 3 !!! HELP!!

  HI Everyone, New to this forum! I had a contract phone with 3G way back in 2003/2004. They totally messed up my account and after many infuriating calls back and forth explaining the same thing over and over again, I thought things had been sorted out, and that I in fact owed no money to 3 any more. Then, in 2009 (I had…

• Car Finance Voluntary Termination Query

  Does anyone know if you can stop paying after you have sent the VT letter? I have paid nearly 3/4 of the loan and now want to hand the car back and stop any further payments. I intend to send the letter via special delivery today or Monday, the next DD is due on the 24th, so can I safely cancel or do I have to continue…

• Best 'pay monthly' SIM cards for bad/no credit history??

  Hi all, I know i have asked before but i know these things do change fast! I'm at a new address (NOT linked at all by Electoral Roll to old 'bad' credit address) & am on the Electoral Roll but NO other credit info/agreements. I'm going to get one of the casbuilder (pre-paid credit cards) 'credit-builder' cards to start…

• Debt collection - how far can they go?

  I've started to receive unsolicited text messages on my mobile from a company called Bryan Carter & Co asking me to phone a number given & quote a reference regarding an 'urgent matter'. Some quick googling seems to show them up as some form of debt collection company. I have not received any letters or had any other form…

• Nearly there

  about 5 years ago I started getting into money problems and started having bank charges/credit card charges etc... thankfully i never got into such a position where i had ccj's registered against me but i do have 2 defaults against me :-( Now for the past 2 (possibly 3) years, i have not been over drawn/ had anything…

• 'Help! I'm paying £76,000 interest on a £20,000 loan' blog discussion

  This is the discussion to link on the back of Martin's blog. Please read the blog first, as this discussion follows it. Read Martin's "Help! I'm paying £76,000 interest on a £20,000 loan" Blog. Please click reply to discuss below.

• Tv licence question

  My girlfriend pays £5.60 a week on a tv licence payment card and about 6 months ago she didn't pay for a couple of weeks due to money problems, she then had someone from the tv licence come to the door and they cancelled the payment card she was using and they gave her a new one to use. She has now caught up with missed…

• Wescot

  I have been receiving letters from Wescot stating I have a debt with Barclays Bank for the amount of £178.77. I have no acc with Barclays and havn't since I was a teenager, I am now 44. I have never acknowledged these letters, just thrown them in the bin. But my credit rating is now been affected and it is starting to…

• Ccj query

  Hi everyone I have just viewed my husbands credit file and he has two ccjs on there from 5 years ago but we don't know what they are for! It says the value the court name and case number and that's all. We think they might have been for old water bills as they are only small amounts but we have paid them. How can I find…

• DMP and going to University

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