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Loan debt continued
Just a quick question, i am sorting out my partners debts and so far seem to have them under control with payments in place etc.HOWEVER i just found a Black horse loan that he was paying a small amount to monthly, but for some reason has not made a payment for 2 years, but also has had no correspondance whatsoever from…
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Hamilton Locke
Does anyone know if they charge to stop your DMP?
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SOA (new girl) I think Ive done i right?
I would be interested on how you think I can save. I am always in my overdraft :( and have 2 credit cards owing nearly 3500 on them. Please help! SOA below; Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of…
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stuck in a debt spiral
hi my husband and I have got in a position of having over £25000 worth of debt on credit cards, overdrafts & loans. we have tried to get one loan to pay it all off but get refused due to credit scoring. I get so worried as I can't see how we can get out of this spiralling situation - any suggestions very gratefully…
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Dont know what to do? Please help?
Hi, I've posted on this board a few days with a SOA, but as I'm work and rushing this, I cant check replies. I've just been paid and have added up all my cc payments, loan payments, direct debits and its exceeded my income. My partner has borrowed a lot of money from me over the past 12 months (including a joint loan for…
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Bit of help advise.....
Hi Everyone been reading various posts for some time. but eventualy thought it would be best to post my circumstances. and ask for your advices... I have recently just got married and been away on honeymoon etc... to pay for all the things relating to the wedding etc we decided to use our overdrafts to pay off things…
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Mercers / Barclaycard problems
Hi all, I lost my job back in December (far too long story) and have used the opportunity to move back in with my mum and start college in September with a view to going to university once I have completed the required courses. However, I am saddled with about £6800 worth of debt. Which isn't too much of an issue as I have…
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can LLOYDS bank do this?
I have been on a DMP with Lloyds for 4 years and became totally used to their ineptitude. Anyway, in April I cleared the Current account overdraft debt. I had a statement showing my current acc was in debt by £1200 - I paid in £1220 as I epetcced some odd days residual interest charges. I waited as instructed for 14 days…
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How I Fought Off Debt Collectors & Got My Credit Rating Back!
I visted this forum today for the first time in a few years to get some advise and realised how many people are out there willing to give their time to help others. So I thought I would just post up this quick story about how I got my Credit rating back on Track in the hope that it might help others. Now I realise that in…
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How to get a CCJ marked as settled on credit report
Sorry, I dont even know if this is the right place to post but here goes anyway. Does anyone have any information on how to get a CCJ that has been settled, marked as settled on a credit report? And how long does it take? Also, I know these 'drop off' a credit report after 6 years-I presume that is 6 years from the date it…
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credit rating- how long am I screwed for?
I have defaulted on a halifax credit card, the amount I owed was about 2500, I am paying this off in a dull and final settlement next month! It got passed to their in-house debt collection agency. I defaulted on a capital one credit card- I owed 250. I have paid this to Capital One. It got passed to something called…
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My Bailiff Saga Continues...........
Hello I was wondering if any of you great people coild offer me some advice on a bailiff problem I have, I wwill skirt over the story for sanities sake :) Back in January I received a ccj for an unpaid oil bill for central heating, the ccj was obtained via default because well I was stupid and ignore the original claim. In…
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Bailiff Advice & Stat Decloration?
Hello everyone Well my saga continues.......... I am going to make another posts for more specific advice but just came across this on another thread and wondered if it does in actual fact stop them in their tracks? http://forums.moneysavingexpert.com/showpost.html?p=34232689&postcount=26 It would not actually be a lie as…
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CCA request no response advice?
Hi, I requested a copy of my CCA using the `step 1` letter template, i recieved a letter stating it would take longer than allowed to get this information due to the DCA not originally having the debt? the 14 days past and i sent `step 2` letter from template giving then the 30 days to reply as stated in the template…
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Already paid debt????
Hi there, I really need help with this one. I have received a letter from Fredrickson International about a previous Littlewoods account, they are saying I owe £500+, I am sure I paid this off about 3 years ago, this letter has come totally out of the blue! I dont have any paperwork or proof of paying this off previously,…
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Aktiv Kapital - Have They Conned Me ?!
For the last 5 - 7 years I have been paying of debts at £10 per month to Aktiv Kapital & Westcott Credit without any defaults. I have all the paperwork dating right back to the begining of them hounding me and it seems that in all cases they were the 2nd or 3rd Debt collector to aquire these debts. Following the advise on…
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Mountain Of Credit Card Debt
Hi, I am in debt of about £4,000 and have had this hanging over my head for about 6 or 7 years now it never changes and I try my upmost best not to use them I hardly do only in emergancies I was thinking about taking out a pay plan but would effect my credit rating and I don't have over £5k worth of debt so I don't think I…
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Creditor telling me my CCJ is lapsed & void.
Hi all I'm hoping someone can explain this situation to me because I don't understand. I owe a mortgage shortfall amount following a reposession 12 years ago. I have always had an arrangement with the lender and never missed a payment in all that time. 2 years ago the lender refused to accept I was not in a financial…
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Advice!! Financial Advisor
Hi - I have recently been to citizen's advice bureau for debt advice and they were very helpful but now I feel as if I need some advice from a financial advisor to try and assist me in making the right decision that would be best for me in the long-term. My options at the moment range from bankruptcy to facing 20 years of…
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Quick Quid Help
Hi I've just had to cancel my QQ repayment that was due to leave my bank tomorrow. (change of circumstances and lack of funds) I've just spoken via chat on there website to a customer services rep and they said they cannot set a up a payment plan. I've asked them what I should do and all he said was 'we cannot help you at…
