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experian credit reports...
Can anyone please tell me how i am supposed to get a credit report from experian if i dont have a bank or credit card because i cant get one? Thanks
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Weekly Spend Challenge W/C 4th July 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Sell the house????
I dont know what to do? Our debts total (£28000 minus money owed to family that doesnt have to be paid back straight away). We own a 2 bed property with £25000 equity. We desperately need to move as we have 2 children (a boy and a girl). We have spoken to an Independant Financial Advisor who told us that our only option…
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My SOA - Suggestions and recommendations appreciated
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1610 Partners monthly income after tax....... 850…
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Capquest Debt Recovery - foisting others debts upon me!
Hi folks First post here, although i've lurked and benefitted from the advice many a time, so thanks in advance! I received two letters in the post this Saturday out of the blue from Capquest, a company which appears to be (in)famous on here. It alleges they purchased "my" revolving loan - SSVC? debt from the Barclays…
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debt worries
i find i am getting further into debt every month and we are using our credit cards to pay for basic things like food and petrol,we both work and i just worry where it will end .we have several credit cards ,car loan etc and our mortgage but neither of us are highly paid.i just wandered if anyone had an opinion as im…
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Advice please - debt collectors
Hi I'm hoping somebody here will be able to give me some advice please. 6 years ago I took out a loan with Northern Rock, I made a couple of the payments but then defaulted and then moved house and have stayed under the radar and not heard anything from them. I moved again at the start of this year and registered on the…
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Credit score building
Hi there, I have decided that it is time I took control of my finances and credit rating etc. I have a default on my report from March 2007 and obviously this has a huge impact on my credit file. I recently secured a mobile contract with O2. I have no other means of credit other than this. I'm on the electrol roll and…
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Credit report help
Hi people, I have recently signed up to the free Experian credit trial. I note my creidt history etc, however there appears to be some items missing, e.g previous settled mortgage approx 3 yrs ago, settled HP agreement for a car, 4 yrs ago. Any reasons why they are omitted from my report. Shame the one default I have is…
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Cancelling direct debits
Hi has anyone ever cancelled a direct debit as money not there? I have just done this is was for the sake of four days!!
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eviction date given
hi can anyone offer any words of comfort or advice i had a suspended eviction made last august and after a few problems,one being made bankrupt,not through choice i have an eviction date for the 12th monday and court dte for the friday the 9th,i have 2200 arrears on the court order which the mort com want paying as they…
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Any ideas on were to make cut backs.
I really need to save for a car and find a way to reduce my budget, any ideas please? Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 549.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . .…
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My SOA - not happy reading
Hello People Well here's my SOA and any advice would be very much appreciated. I hate the loans I have with a vengeance but I signed for them so that's my own fault. I have the added problem that my DH is off work sick and last week his company sick pay ran out so from now on his contributions will be £20 per month and not…
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Debt free desperate wanabee newbee
Hi Looking for help/advice/tips to get us out of credit card debt asap as totally stressing me out. Just gave birth 3 weeks ago and I have to try and manage finances as husband not good with figures etc. Where should I start? Should I do balance transfer etc? I am addicted to buying presents for birthdays/xmas in advance…
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Bailiffs
I am starting a new thread as someone correctly pointed out in a previous thread that people could get confused. Could i get some advice if possible please. About 2 and a half years ago i stupidly let a bailiff into my home and signed a walking possesion. I made a agreement to make regular payments. However after a couple…
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Its going to be tough but I can do it
Hi everybody i am new to this site, i am in debt and desperate to change my ways to give myself a brighter future i am feeling quite low at the moment and my self esteem is low, my debts are around £8,500 which is high but not high as some, I am looking for advice but also to hear peoples opinions/ and any help you may be…
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Don't know what to do...
Hi there It's taken a lot of courage for me to put a SoA together and I'm pretty sure that there can't be anyone else who is in such a state financially! I've read a lot of the threads here and I am ashamed to admit the level of debt we are in. My partner and I have got to the point where we don't know where to turn and…
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Please Help
Hi I've never posted on here before. I'm in debt to Scottish Power and they've got a warrant to come round on Tuesday (6th July) to install a pre paid meter to claim the money back. Is there any way I can delay this? I'm desperately trying to get a loan to pay it off but am having difficulty. Also, I'm in a rented…
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wooden flooring help
I post this on the Home and DIY board yesterday but not had any reply yet. Was hoping someone could help here...... https://forums.moneysavingexpert.com/discussion/2571741
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First Plus loans and Home Moves...?
Hi - not sure if this is right thread. My husband and I have low credit ratings due to massive debt problems last year which we have now dealt with with Payplan's help by setting up a DMP last year which seems to be going well. The problem now is that we have a second charge from First Plus on our property. With house…
