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Advice please, Catalogue leaving bad rating
Morning all, Hope you can advise, my daughter has a catalogue with one of the large well known companies, she paid but was late paying by three days and owed £9 exactly, she has never ever paid late before. This catalogue company (that goes under several names) have actually listed her on equifax as a bad payer and…
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Single debt, joint account: and stuff
I am hoping someone can help me as I have spoken to the CCCS and they were not sure and google has returned so much I got shell shocked. I have a credit card debt with my bank ( my debt only for about 2k) but have a joint account with the same bank. My husband has his wages paid into that account and the bills go out of…
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SOA any advice?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 400 Partners monthly income after tax....... 1800…
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Sleepless nights!
hi there, I am confused and worried. I have stupidly managed to get myself into quite a bit of debt over the last few years, approx 25k with credit cards x3, an overdraft and loan. I also have a mortgage and the rest of the bills that come with the house, gas electric water food etc. I have a secure job where my income is…
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Cashplus won't take our cash
My OH has a cash plus card to build up some sort of credit rating due to never having any before. In february her standing order with them stopped and it meant she failed to make two payments on time. She accepts this was her mistake and once cashplus told her the money had not been paid she topped up the amount straight…
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Can my House be forcibly sold?
Dear All, i have a mortgage on my primary home (currently about 40% of house worth) i also have 4 more 'buy to let' mortgages with two seperate other mortgage companies. My Question, should i get into trouble with my buy to let mortgages, can these mortgage companies force the sale on my private home also.
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Tuesday 29th daily chat...come on in...
Morning all..what are we all doing today then??
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SRJ Debt/ Data Protection Act query
I had a letter from SRJ last week demanding money for an internet provider with whom I have had no dealings for over three years. Not sure whether to ignore them or tell them to stuff off (these are the second debt recovery company who have threatened me with the same scam). They sent the letter to just my surname though.…
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Disposable Income?
Hi, My partner and I are in the process of buying our first house together (he already owns a house, which we have sold and I pay him rent). I would like to go in to the new house/mortgage on a 50/50 basis, but obviously need to make sure I can afford this. I understand that it's different for everyone, but how much…
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loan payment
Hi, My, i have been busy on this forum this week! 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…
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Job Opportunies with 2011 Census
Hi, I heard they are looking for people to apply to work with the Census next year. I understand there are fixed term full and part time positions in all sorts of positions from management to supervisory to working with the public. the company handling it is Capita on behalf of the Office of National Stats. You can…
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advice wanted - Santanders error may mess up my credit file
I did post this query (worded differently as i was quite strung out) last night but no-one has replied and i dont know what to do so here it is reworded. Can anyone offer any advice.Please! I have various loans/credit cards etc which I am gradually whittling down and I always pay on time. On Monday morning, i noticed that…
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Tuesday 29th June - What small DFW things have you done today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Statute Barred Mortgage
Hi, I saw Dark Convict’s post on 27 April – Once Statute barred always Statute barred. Would this apply to mortgages under the 12-year limitation section also as I seem to be being told any communication by the mortgagor to the mortgagee that refers to the mortgage will reopen the period. I can understand that the 12-year…
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Trying to get debt free...
Hi there, Reaching the grand age of 28 and im trying my hardest to become debt free. I had a few bad years where i let debt accumulate and i have a bad credit rating. I completed the data sheet but i dont know what the interest rates are. My personal loan ends in Feb *hurray!!!* My two cards are both preference account…
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Mortgage extension
My DMP is due for it's first payment this week :j (started on the road to being debt free now) and today I had a brainwave. A few months ago, I called my mortgage company who I have previoulsy had arrears with but is up to date now and explained to them our problem. Being reeeally over committed to debt and husband being…
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Help please......can't see the woods for the trees anymore!
Hi all, Some help urgently required please. Following redundancy last year I had to take a much lesser paid job, with much higher travel expenses than I was previously used to. Add to that my partner being laid off from her p/t job and finding it difficult to find anything else which fits round dropping off/picking up the…
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equifax....
bit odd... me and my other half are applying for a mortgage so bought out statutory credit report from equifax. I had an account that was badly over drawn back in 2007 and the final payment was made 2 months ago and it was cleared. BUT why on my report does it not say it's been satisfied? it's under santandar and not…
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No Warning of Default Notice...
Hi, I have an issue with Orange. They have been leaving Default notices on my account for several months; however I received no letters or warnings from them regarding this, until I got a letter from DCL Connections. They have my correct address details. Can they do this without warning? I have no problem paying the debt,…
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Can anyone advise me on default notice?
Hi This morning I received what I consider a surprise default from ulster. Its a surprise because although I was 2 months late I have paid 1 and had just agreed to catch up my arrears by paying extra on my monthly payments over 6 months. Well anyway the notice was dated 22nd but only gave me 17 days to rememdy from the day…
