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result-success!mackenzie hall
after bombarding mackenzie hall with emails disputing the six searches they did on my equifax table 1 credit searches for outstanding debts that have never existed all paid in january 2003.and sending a dispute in to equifax i have checked my report this a.m and hey presto after two weeks they have all been removed.so my…
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Message to Niddy, Trolls are you Ard Enough
Hi to all on the DFW board, My name is Handyman and I am normally found in the evenings writing silly stories about my life on Notice to New comers. The news Niddy has left the forum has come as a blow to me personally. So I am posting this as a thread. If anyone feels Handy has gone to far, then by all means report me. It…
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I really need some good advice please...c
Hi This is my first post on here and need some advice asap as im very worried about my situation... Monthly wage £1070 Widows Pension L£340 Total income - £1410 Out-goings Livery - 144 Straw - £30 Haylage £60 Lessons 160 Car HP £173 @ 0%apr (payment for this ends oct 2010 and i will own car outright) Loan 1 - £167 @ 13%…
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SOA and a hello.
Hi MSE members! I've looked at these forums a couple of times over the last few years and have finally decided to swallow my pride and jump in head first. A little about me; useless with money just about sums it up! I was never educated on things like credit cards, store cards, that sort of thing, so I when I was old…
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help im in double trouble
lots of debt and frenzying bailiffs .think ill need the personal touch from the cccs /is that the same as cab
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help im in the mire
my old address was wrong on land register /nothing to do with me ,had lots of debt .think ill need the personal touch theres far to much to put in a forum my email address is plasterer2010@live.co.uk tax men and magistrates bailiffs on my case more to come no doubt is the cccs the same as cab
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court action
hi ,just wondering can i be taken to court ,i have requested my cca which have not recieved yet ,trying to prepare myself .any advice thanks
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How to get OH on board?
Hi, Finally plucked up the courage to get on here. I've always prided myself on being good with money, but after a decade with my OH we are up the creek. Nothing is in arrears yet, but we are at the stage of living off the credit cards (having to pay for groceries on it this week for the first time was a LBM for me). How…
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Debt management companies
Has anyone had any dealings with a company called Valour finance? Recently both a friend and myself contaced Valour for debt management advice however when my friend contacted her creditors they suggested that she speak to Payplan as all the money goes to your creditors rather than the 17% that Valour would have taken. We…
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Had a collections letter
Following advice from my last post I wrote to Vanquis on Friday asking them to accept token payments. I used the templates from the national debt website. Today, I recieved a letter from a collections agency, though I think it is still Vanquis, telling me not to ignore the letter etc. Now Im unsure what to do. Do I wait…
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DCA Calling me at work. Help!
Hi there. Can anyone advise me please. A DCA has recently taken over my debt and have started phoning me at work (office phone). I have been dealing with them by letter but this is obviously not quick enough for them so they've have resorted to this tactic. As far as i'm aware they do not identify themselves but as I…
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Equita Bailiff Problem
This has been an ongoing issue since February 2010. It's a bit long-winded but I'll try to be as simple as I can. Swindon Borough Council contacted me in Dec 2009 to inform me I hadn't paid council tax for a previous property in 2005/2006. This was unfortunately due to my ex pocketing the money I gave him to pay it, but…
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Letter to Virgin to remove default
I had Virgin broadband in 2007, but cancelled contract, paid everything off. I recently checked my credit history and :shocked:, there is a default in 2007 for 24£ from Virgin. I never received any letters, but anyway I paid over the phone so its satisfied. Sent them SAR letter from this topic…
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Unfair judgment for claimant
Hello all, This is my first posting on this site, although i have been browsing from afar for some 6 months now, Just got in this evening to find judgment for claimant letter stating we should pay £425pcm for a £7896.46 dept with virgin money.We gave the court a breakdown of our monthly expenditure which showed next to no…
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options for tackling debt?
I have worked out today how much I am paying out each month on cards, loans, mortgage etc and have come to the frightening conclusion that my outgoings are around £500pcm more than what I am bringing in. As part of a plan to tackle the debt and get it paid off as quickly as possible I am going to devise a multi-pronged…
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NPower - 30 days grace rule?
Hiya, From what I've read online, apparently your creditors, now have to give you 30 days grace, whereby they suspend further action / freeze charges, while you seek help from CCCS / CAB etc. My query is regarding NPower Electric. My Electric arrears owing, are £645.00. I'm probably a week / 10 days away from them applying…
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Help please: I messed up
Hello lovely MoneySavingExperts, I could do with a bit of help. I joined MSE in February 2009, after having a lightbulb moment and wanted to do something about my relatively small debt. Not massive - about £3,500 at the time - but still something I wanted to sort out. I adored the message boards and found it incredibly…
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30k on credict cards - advice needed! Debt management plan?
Hi. Looking for some advice… My fianc! and I have managed to rack up credit card debts of about £34k between us. Monthly repayments are now in the region of £700-£800. Which we can meet. However, we aren’t paying anything off and are being clobbered by interest rates in the region of 20% + We are homeowners and have had a…
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Credit report errors
The last time that I got a credit report, it appeared that one of my debts appears on my record twice?! Once in respect of my Monument credit card, which has not been updated since I defaulted in March 2007, and also for the collector of the debt, Cabot, which is up to date. In the scheme of things, it can't be impacting…
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Letter chasing defaulted sum - ignore or reply?
In 2005 I ended a violent relationship and moved away from my ex (from England to Scotland). The house that we owned together was put on the market, but my ex did his best to put off the sale (missing viewings, being rude to viewers, leaving the house in a state). He continued to live in the house and make the repayments…
