-
Advice with NSDs/being more spend aware
Hi everyone,:p Ive been following Martin's website for the last couple of months, and it has helped me successfully claim back some PPI. Ive shifted my attention to the forums and peoples ideas, and really interested in ways to save money/curb spending/ and have some NSDs... Does anyone have any general advice or tips for…
-
Real novice needing help!!!
Hi, I'm currently struggling to keep up my payments to a loan, overdraft and 3 credit cards that I currently have and am getting closer and closer to the limits each month. The debts just keep getting bigger and bigger. I'm looking to try and solve this problem before it gets too late and from what I understand I have two…
-
12 months on
and nearly everyday is a struggle with my mind, over wether I am doing the right thing paying so much off, and watching every penny. I have slipped up along the way, most noticeably last friday, but 40 % has gone now.
-
Defaults on Credit Files
Hi, I'm sure that this has been raised before, but I've scoured the forum and haven't been able to find an answer; Can a company default you more than once on one account? My problem isn't quite as straight forward as the above question, but that can be found below; https://forums.moneysavingexpert.com/discussion/2749512 I…
-
Started paying off debts 2 years ago, but now considering consoldating - need advice!
Hi All, I am new to the site but am hoping I do this the right way, but if not please be gentle! :) I spent most of the 2000's spending more than I earned and as a result accumulated a significant amount of debt on credit cards and loans. I had my lightbulb moment back at the beginning of 2008 when I realised I couldn't…
-
Diamond Car Insurance
I currently pay the above through a DMP, and have contacted them on several occassions to get an updated balance and also offered a F&F payment. At no point have they responded to my letters. I was considering cutting them out my DMP and letting the other creditors have there money, this may actually generate them to…
-
Re Action Albis - panic over!
They have collected money, TWO DAYS AFTER THEY SAID THEY WOULD. That's a relief!
-
Daily Chat Thursday 30th Sept -all welcome!
Good Morning! Long time since I started one of these - took me ages to work out how! It's a lovely sunny day here. I'd put my washing out but the washing machine appears to have broken. Never mind. I am attempting to dye my hair - it may end in tears as I've not done it before! :eek:
-
very are they cowboys
Morning all, Have a very account and forgot about payment this month eck !Received a very rude phonecall from the arrears Dept last night saying needed to pay £80 by last night or she would add another £12 late payment/phonecall fee.Couldnt pay that last night because hubby had bank card in work with him.Payment was due on…
-
CCJ's
I've no idea if this is the correct forum, but I'd like some advice please. My friend has been saving for a house for 10 years. Living in shared accomodation now with shared bills. The guy in charge of the water bill stopped paying it, hid the letters from the other guys and then hid the letters from the courts. Now my…
-
Thurs 30th Sept - What small DFW things will you do 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…
-
New bank account - Payday loans
Since i got my new Co op cashminder card and set my DMP up.. i am just wondering if there is ANY way at all the payday companies i owe money to can take out of this account? Somehow.. quickquid (who i have never had a payday loan with) have my details..sent me an email saying i can have a loan etc etc etc.. it might be…
-
are HSBC and Alliance and Leicester the same group?
I'm a little confused, I transfer money to pay the interest and usually at least the same amount off my overdrafts each month. This week when i did it, it went straight into the account, like within minutes. Normally it takes a few days. I've just done some research on the web and i'm confused as to if santander have now…
-
Its so quiet out there
Hi 7 months into my DMP and its all gone quiet no calls no nasty letters threatening to throw me on the scrap heap and normality is resuming for now but the time of this post means Im awake still so here is my quote for tonight I LOVE LONG WALKS ESPECIALLY WHEN TAKEN BY PEOPLE I DONT LIKE Thanks to all on here for keeping…
-
dispute on rating
Hi after some advice, i checked my credit report for the first time today and found that i had a red area from 2008, were i missed 4 payments from cancelling a direct debit. it was when i took out a contract from phones 4 u and long story short i never got a phone or activated the account due to an error on there side, i…
-
default on my credit rating not my fault?
:(Hi just finished uni and Ive got a credit default on my experian file from a mobile provider. I have paid the bill nearly three years ago and have bank statement to prove it. The provider wont talk to me even though ive paid the bill. They keep telling me the debts being sold onto another company and i have to talk to…
-
Help me please please please
I have a joint bank account with my ex husband (Lloyds TSB). Me and my husband had an overdraft of £600. We separated in August 2006 and i notified the bank of the separation and stopped my salary going in and anything coming out of the account. My husband agreed to pay £20 a month, but stopped paying this. I was informed…
-
Actio albis
I should have said that i do not have a 'phone number for actio, just the address. If anyone has the 'phone no. That would be very much appreciated.
-
Actio albis
I AM TRYING TO SORT OUT MY CREDIT SCORE AND ACTIO ALBIS APPARENTLY ARE DEALING WITH AN OUTSTANDING DEBT TO KALEIDOSCOPE CATALOGUE. ACTIO CONTACTED ME YESTERDAY SPECIFYING THE DEBT AND I GAVE THEM MY DEBIT CARD DETAILS TO SETTLE IT, BUT NOTHING HAS GONE OUT OF MY ACCOUNT. SHOULD I BE WORRIED? :o
-
Help!
Hi, I'm new to all this but would really appreciate some advice! Basically I would like some advice on a store card which has been opened in my name at a previous address. It appeared on my credit file by a debt collector - Aktiv Kapital - in July 2010. I rang them to find out what the debt was regarding and they said that…
