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First Tim Poster Long Time Lurker
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1931.55 Partners monthly income after tax....... 0…
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Credit check details
Does anyone know why I cant just ask the credit rating agencies to remove all my details under the data protection act? I have a perfect history and I dont see why they should hold such a large amount of detailed info about my and my family. I thought the only records that were expempt from the data proctection act and…
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delaying the first payplan payment
Hi, Have received the paperwork from Payplan with budget and am about to send it back to them to kick things off. BUT I am now 2 months behind with mortgage and would like to overpay mortgage co to catch up but would only be able to do this if I delay starting the payplan payments. Should I :- 1) Still return my debt…
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HSBC and Credit Report - Error
I posted this in the bank and budgeting, but thought more people might help here. I just checked my credit report today online for £2 with CallCredit (as seen on the email) and they have my limit with HSBC for my overdraft as £0, when it's suppose to be £1500. They show my Halifax overdraft limits but not this. It says…
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CVA Tribunial
Hi there, We won an Employment tribunial against an ex employer who still owes us some of the amount awarded, they have just entered a CVA apparentley, we have a CCJ against them for non payment, what if anything should we be doing? What is the likelyhood of getting any of this money owed? Are we now counted as unsecured…
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Being taken to court - Estate Management Fees -
I'm hoping for some advice regarding this. We pay an annual estate fee of £160.00 per year, due on 31st May. However, due to sickness I haven't had a full pay for several months of this year and other bills have taken priority. We received a final demand letter insisting payment had to be made by 7th July or the estate…
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Moorcroft CCA - "Signed"
I sent a CCA request to Moorcroft on the 14th of June, but today they've replied to me with a document that simply has "Signed" in bold letters in the signature part. No sign of my actual signature or anything like that though. What sort of letter should I send in response to this?
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Has anyone got an EASY way to keep record of everything?
Life is tough - really hard at the moment. It has been for around 18 months and we recently made the decision not to go bankrupt and to repay all our debt whilst trying to hold onto our home. If we had to sell we would have real difficult getting another mortgage due to our lovely credit file spattered in defaults and late…
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A little help? Be as harsh as you like - i'm desperate!
Okay, here is my story, first time poster but be as harsh as you like, I need to get out of this mess and am willing to do anything. Got married last year, I had no debt, but no house and no savings. Husband got a lovely house, but 15k debts. We cut back everything we could think of, then worked out a plan to be debt free…
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Paid all my debts but want my defaults removed
:( Hi guys this is my first post, so here goes. I had a debt with Time Retail finance LTd which was brought by Aktiv Kapital. I have paid the full balance a few years ago (2008). I recently checked my credit file and it stated that I had defualted at some point to them. So I was concerned and stated wrote a letter to Aktiv…
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A Warning - Re Lowells low life
They have joined mse and recently joined CAG asking people to contact them regarding "issues" My advice is if they ask you to phone of email them. DONT Stick to contacting them in writing. Ignore anything LOWELLS CRT say on here and any other help board. They are not here to help but to cheat, and do anything underhand to…
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Cabot Financial - Final Response
Hi, I wonder if someone can provide me with some clarification! With regard to a credit card debt bought by Cabot from MBNA I have sent the usual template letters prohibiting doorstep visits and claiming that the debt is unenforceable as the credit argreement was not correctly administered by MBNA - no lender signature…
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advice on loan for overdraft needed please .
Im £3900 into my overdraft and my limit is £4500 I think i pay around 17%apr in interestat the mo . I tried getting a loan of 7.5k of alliance and leicester at 7.9apr but got knocked back . Now if i get a loan off natwest (who i bank with ) i think its at 15%apr. I want to get back into credit with my current account so i…
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working out soa & budget on weekly and monthly wages!
hi there im new to this site, found it really helpful so far .. we should be in a position to pay off some of the mortgage and a fair bit of our debt (but not all, concentrating on those with high interest) in next cpl weeks as my husband is awaiting an inheritance payout - however, i have just started maternity leave and…
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freezing interest rates on credit cards
I am presently on a DMP and half way through. I have just had a yearly review and the counsellor says that they write letters to the credit companies requesting if they could freeze the interest but they do not take any notice. Is there a template letter that I could use so I could try. It seems so stupid when they already…
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rainy weds 14th Chat
Good morning Its absolutely tipping it down here at the moment. Been ironing since i got up, just having a break and my porridge as my hip was starting to ache. Goals for today, Make beds hoover through sort more stuff for ebay try and get myself motivated to make more jewellery. wait in for post. I've also got to meet my…
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Electoral roll lists previous occupant as living with me!
I’ve just checked my entry on the electoral roll and the previous resident is listed as ‘other occupant’. Judging by the amount of ‘urgent’ post I’m receiving, and the fact that the meters were changed during her residency to pre-payment meters, I’d say she has a very poor credit history, probably owes money, and I'm…
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Wed 14th July - 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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Equita Bailiff Fees Please advise
Hello, I posted previously about Equita and after a third letter they finally gave me a breakdown of the fees. Debt £489.88 Statutory Visit Fees £42.50 Levy Fees £35.00 Enforcement fees £160 Card charges £5.76 Total £733.14 I have paid over £250 so far which gives me a balance of £482.14 I am only aware of one visit that…
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Is it too late to send a 'Prove It' letter after court form has been served?
I received court forms through the post today from Northampton Courts regardibg a claim by HFO against me for £290. I do not recognise this debt as mine, so will be sending the prove it letter from this website to find out more information about it . However, as the court forms have already been issued, will the court…
