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Credit scoring - question?
Hi Does anybody have any idea how long it takes to improve your credit score once debts are settled.........no CCJs or defaults, just that I want to clear my outstanding accounts with some money I'm inheriting. Thanks
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My Soa
This is my SOA :( , we have contacted payplan and they have advised to either set up a DMP or go for an IVA. Can anyone give their opinions? We have tried to cut back already by doing things like cancelling sky and trying to reduced grocery spending, any other ideas? Thank you in advance. Household Information Number of…
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July save on work lunches challenge
Hello everyone and welcome to the July save on work lunches thread, now into it's seventh month. Please let me know what your target is for July, for anyone new to this challenge, it's to help you reduce the amount of money you spend on lunches at work by bringing in food from home, you'll find lots of people on here to…
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Help!
I'm in trouble :eek: I owe roughly £20,000 over loans, credit cards etc. I earn £2,000 odd per month which is immediately eaten up by rent £750, childcare £1,000 and petrol to get to work £200. I can't afford to pay anything on my debts, but equally can't afford to get iva or br as I'm an accountant (even more :eek:) and…
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Received letter from "Pre Legal Recoveries"
I've received a letter from Pre Legal Recoveries about a debt I owe to Marks & Spencer. I have been making token payments to Marks & Spencer up to now. They have "told" me to call them otherwise they're going to send someone around to my house. It appears that they're debt collectors for Marks & Spencer? Im not sure what…
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Someone help me
Where do i start? Im in a world of poo, plus im my own worst enemy and you'll all prob say its my own fault and it probably is. Ive been getting letters from a certain debt company asking for unpaid council tax at the start of these letters i phoned and said id pay something each month but as my outgoings is more that my…
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My Mum
Post removed. Thanks for the help.
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Where do I start???
Hi I have just managed to agree a repayment scheme for the final amount of debt that I have outstanding :j Quite simply, i am wanting to know how i go about calculating when i will be debt free by. I am certain it will explain it somewhere on here but I have so far been unable to find it.:o Please help... HB
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meritforce letter final demand time barred offer
Hi everyone and thanks for any help. few weeks ago i received a letter from meritforce stating the usual, someone coming round in 10 days blah blah so i ignored it. the debt i have was from years ago and i know they specialise in unenforceable debt. i got a free experian report and had the guy update it and nothing on my…
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Amex copy wage slips etc
Hi Amex are asking me to send copies of wage slips and council tax bills, mortgage statements and utility bills - Do I have to send these ?? are there any hidden drawbacks to letting them have this info or is it okay to send (they have already had my budget sheet ) Thanks
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Phillips Debt Recovery
This company are constantly harrassing me with letters and visits. They are trying to chase up a debt from someone who lived in my house before I moved in, I have been here almost 2 years now. I have rang them and told them this (many times) I have also shown them proof of my council tax bill with my name on it, all to no…
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Sorry Its Me Again - Have I started a nightmare for myself?!
This is my 3rd Post about this and thanks to all have replied. I'm Going to be brief but I am now really worried. Aktiv Kapital wrote back to me following a request for documentation saying they could not produce the documents and would therefore no longer request any payments from me. I didn't suggest this and the…
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Should we sell our house to pay off our debts
Hi All, My husband and I have about £47,000 debt between us and it is eating up a lot of our income every day we are scraping the pennies and cant do anything with our two young children, my husband has a well paid job and we worked out that if we were debt free we would be £2000 a month better off! We have about £60,000…
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Capquest Statutory demand help needed urgently
Hello Im hoping someone could help or provide advice I had a hp agrrement on a car stereo back in 2001 the items were faulty and returned the goods to the store who said tehy would cancel the agreement Capquest now have the debt and have bumped it up to £1982 yet at christmas offered a settlement of £646!!! they now have…
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perfect payday loans
:mad: A friend of mine has just had £250 taken out of her account for the loan she took out. But she had already paid it and now is finding it impossible to get through to them i think they have shut up shop. Can any one help.
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No original agreement docs available from Aktiv Kapital or the Original Creditor
Following advise from very helpful people on this Forum I wrote to Aktiv Kapital requesting the agreement under section 17 of the Consumer Credit Act. In their reply they included this statement:- "Although we purchased the right to recover the outstanding balance due under the agreement, as we are not the original…
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Is this correct please
My daughter purchased a car 2004 she paid half of the car and then handed it back as she could no longer afford to pay for it. In the terms and conditions you can hand the vehicle back if you have paid half with no come backs. She purchased with Bank of Scotland finance.. They took the car now she has a another company…
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Bailiffs
Hi All, not sure if I have posted in the right thread, so Mods, please feel free to move this post if there is a more appropraite part of the forum. I am looking for any facts and/or advice. My Mum is a 64 year old disabled widow, living on all the appropriate benefits, she still has my older sister and my youngest brother…
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Trying to pay debt off
Right having a problem sorting debts Debts:- 2900 Mrs credit card 6.5k limit pay 100 a month now 1300 overdraft around 15 a month interest 1000 overdraft around 15 a month interest 400 left on sofa 45 a month So was looking at 6k loan over 5 years so would be paying back less a month as now but actually paying it off.…
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What shall i do next???
I need advice about what to do next with regards to my debts with CCCS. I have continually sent letters to them via recorded delivery concerning my account, but they are still adding charges to the account, but i am getting no replies to my letters, i dont know what to do next? I really dont want to call them as i am at…
