-
Partner moving in
I have good credit and a couple of credit cards but all under control an will be debt free in 8 months comfortably. however my partner, who doesnt live with me, and i are considering him moving in. he has terrible credit and one outstanding loan which i am in the process of dealing with as statute barred. i rent at present…
-
Anyone had any success getting firms to recognise debts as being statute-barred?
To be clear,
-
Question about Halifax response to CCA request
Hi I have a question regarding a CCA request on Halifax credit card. I was originally being chased by Westcot however after sending them x2 CCA requests they did a sly one and sold the debt onto iQoR. After a few letters from iQoR I recently sent them a CCA but it appears they have passed it back to Halifax as they…
-
Default Removal Please Help!
H, In my previous years i was iresponsible with my finances, however i am now all sorted and looking to clear up my credit file and move on with buying a house etc. At the moment i have following defaults on my credit file, Exeprian: Default issued by: Credit Account Managment Default Date: 30/12/2007 Amount owed: £302.00…
-
Any tips on what surveys/clicks and whatever else you lovely people do!!
Hello, now i am expecting my second and currently signed off work due to horrible sickness /exhaustion and low blood pressure inc fainting in Asda.... i am not entitled to sick pay so money is a bit tight. Also DH starts a new job in a couple of weeks and won't get paid for six weeks - eeekkk - i have no idea how we'll…
-
My 1st ever NSD day!!
Ok so I'm doing my first NSD today. Not counting the bus pass I bought this morning. So I was all ready for it, made my pack up. Lots of snacks to get me through the day (well I am eating for 2). Problem is I've run out of snacks and there's a massive food fair on outside work! I need help! I don't dare go outside in case…
-
utter shame...
yesterday,we went food shopping. took the credit card as we have no money in bank,overdraft maxed. went to pay,and it said wrong pin.tried again,wrong pin.one more time....wrong pin.card blocked. so embarrassed!was frog marched to customer services to sort out payment.obviously no funds at all to pay for the £88 shopping.…
-
Don't know where to turn
Hi, I am new to the forum so please don't shout at me if this has all been asked before. I have a few credit cards (I only use one out of necessity to buy petrol to get to work) and am having trouble managing financially. I was made redundant last year and been temping since on a lower salary than that of what I was in my…
-
£14 Charges on Accruing Debt with British Gas
Hi, My question is relating to British Gas charges. I pay by quarterly bill. I normally pay for 2 or 3 bills at the same time. British Gas have started applying a £14 Late Payment charge on each bill plus a £50 visit charge. Because I have duel fuel they have applied this on both accounts. I have settled my Gas Arrears and…
-
So they will correspond with me after all
Hi there At last a response from Monument to say they are now placing my account with JC International Acquisition Corporation and they have an innovative way to address my debt. What a cheek this is what I have been doing since January with the help of National Debt Line and i might add with no help what so ever from…
-
Moorcroft refuse to deal with me by post
I have had an arrangement to pay a loan to Tesco Personal Finace for several years, I was injured several years ago in an accident and my only income now is benefits so I could not pay the full amount. The arrangement was for £17.00 a month which I have always paid. For reasons best known to themselves they have now…
-
Cant put it off any longer! Help
Hi, I had a business that unfortunately I had to close in the depths of the credit crunch in November 2008. I was a fool and kept the business open much longer than I should by financing the business on credit which was still readily available to me at the time. With hindsight I should have shut my business as soon as I…
-
basic bank accounts
Hi - I've posted here before re my niece & CCCS etc, but we now are having difficulty in opening a basic account. The problem appears to be acceptable identification. She has no recent passport, no driving license, has only moved in with us 2weeks ago, and is still awaiting her ALG award - the JSA has stopped. We have…
-
Where has the UE thread gone??
Good Morning DFW's! Does anyone know if the Unenforceabililty template thread is still on here?? I have been away for a few weeks and have tried to find it this morning but to no avail! I have been back through pages and pages and even tried to search for it, but nothing is coming up. has it been removed perhaps?? Hmmmmmm…
-
Capquest query
I had posted this on the credit card board, but have had no response, and wondered if perhaps I might have more luck here.. hope somebody can help.... Several years ago I received a letter addressed to me in my maiden name at my previous address. The letter was from Capquest attempting to collect an outstanding debt in my…
-
***Smile! It's the Monday 20th September Daily Chat
Morning guys and gals :wave: Have had a FB purge to get rid of the random 'friends' I had for stupid games. Mow the games'll be reall crap cos I won't be able to level up as quick so I'll get fed up of them;)
-
Mon 20th Sept - What small DFW things will you be doing 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…
-
Working to be a free bird - Banks and Savings advice?
Never mind, sorry to bother you all :3 Could an admin please delete my account? I see there is no self-deletion opporunity
-
tracing leveraged property\people
is there a way to track remortgaged\loans secured on property or companies that are highly leveraged and find out by how much in both instances?
-
Debt advice
Please can someone offer advice. I have seperated from my wife about 18mnths ago. Due to having two very young children she cant work. I currently pay half the mortgage, give maintenance and took on all the debts. These debt included credit cards (£23000 now on a debt management plan over the next 5 years) and a secured…
