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Anyone been on a DMP and had no defaults???
Morning all! Just out of interest, has anyone been on a DMP and NOT had any defaults put on their credit file???
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losing the the plot!!!
Hi all, quick fill in about me, our LBM was 12th September last year, and in the year we've managed to pay off about 6k i think of our debt with a little bit of help from my husbands parents to get us out of the trap of having to pay for food etc on the credit card as we couldn't afford to eat for paying the bills etc.…
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Fabulous Friday the 3rd September Daily chat (And challenge!)
Morning all :hello: May I just say exercise is magic - it's my second 'visit' since I started and almost all the niggles are now non existent:j So to celebrate I thought we'd have a wee challenge 1. Instead of the Friday 'treat' (bacon roll or whatever) put the money in your savings /debt busting fund 2. Pick a…
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Credit report question
A bit of background. My partner has been in a DMP with Payplan for over 6 years. Most of his creditors defaulted after 2 to 3 months and these have now dropped off his credit file. However 1 didn't default until they sold the debt on so their entry had a default date of 2006 and showing as fully settled. There is another…
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Friday 3rd September - What small things will you do today?
:D 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,…
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debt companies argh!!!
I would like some advice, i have this debt which i have been trying to sort out for sometime now. I was contacted from a debt company and i communicated and sent all information they asked for and also made an offer of repayment which i could afford and never heard anything from them this was March of this year. Now i have…
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Cabot Full & Final Success Stories?
Hi all, Have read many posts of advice on what to offer DCA's for F&F's. I already settled with them for one small account getting about 40% off the balance but I have another larger account that I am hoping to settle within the next few months. I owe around £2177 on the account and whilst I intend to go in with a low %…
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Good news...but need advice
I currently have just over 16k worth of debts, I had been with debt management company for several years but found that they were reguarly missing payments and making my credit really bad. I decided a few months back to take on my creditors myself but I am struggling with repayments. Now for the good bit! I remembered that…
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My Personal Statement - Help please
Hi all, Please find my Personal statement below! Unfortunately I was made redundant late last year and have found jobs but taken significant pay cut. From 35K to 22.5k. As such, debt I found myself in, is now unmanageable as below. :( It's making me feel a little sick with all the options. If anyone can be of help it would…
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another debt free story
Hi to everyone who reads this! This is not posted to get up anyone’s nose or to belittle anyone else trying to get out of debt, mealy a tale of how bad it can get and how you can sort it out EVENTUALLY. It all started in 1999, I just started a new job and had never had a credit card or loan. For work I wanted a car so I…
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cca dispute with egg
before i start, i've posted on these forums before, please, please if you've come to give me the moral high ground of 'pay your debts', 'you borrowed it' etc, without knowing anything about me or my situation, then p**s off, don't wanna hear it, go and be an unhelpful ar***le somewhere else thank you, to all you helpful…
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my SOA please look at!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 500…
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F&F received. Wording advice?
Just received a Full & Final offer of 70% from a creditor I defaulted on about 12mths back. In their letter, they state: "lf you are able to pay the above figure by the date required it will be acceptable in Full and Final Settlement of the debt and our client will write off the balance." Is this sufficient? Or do I need…
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CCJ advice
I just found out I have a CCJ (was sent to my old address). The debt was settled a year before the CCJ was issued, so today I applied for the CCJ to be set aside. I also sent proof that the debt had been settled (bank statements). My questions are: How long does it normally take for this to be resolved? Are bailiffs likely…
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Bank account mess advice please
Hi I have a current account with HSBC and have a arranged overdraft of £1500, i frequently go over this and have been receiving charges of £150 each month, im am currently unemployed, my husbands wages go in weekly, as did our child benefit and tax credits, we also have outstanding debts and are currently in a debt…
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What are my chances?
Hello to anyone who can help and thanks in advance. I inherited a CCJ last Nov 2009 thanks to my other half negleting to inform me about a joint account we had that was in arrears. I paid the debt off in full within one month of recieving court papers and then paid a further £15.00 for a certificate of satisfaction which I…
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Very old CCJs
How can one find records of CCJs which are older than 6 years? My current search is clean, but there might be something older I don't know about as I had, via a temporary UK address, a "trace this person" (me!) letter from a collection agency. Any debts would be around 8/9 years old: unless CCJs were issued these would be…
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where do I start !help and advice needed
Hi all Im new to this and not very good with pc,s either so bare with me ! In May I realised my debts were getting out of hand and with my brother and father quite ill I felt I couldnt cope. So made the biggest mistake of my life ! signed up with a Debt Management Company. BIG MISTAKE ! 4 months on they have had nearly…
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Payday Loans Best Options
I have currently fell into the payday loan trap and instead of getting more loans and deeper into it I want to start clearing it. I currently have 5 loans..... Wonga £900 Lending Stream £ 420 Quick Quid £500 Payday Express £500 Payday UK £500 I currently have £670 i can pay off a month.I have tried to set up a repayment…
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Barclaycard CCA final response
I have used the templates that one of the most impressive and helpful Forum posters ever known to man\womankind. N.I.D he has been a god send to us all and the muppets who chased him off, well you all know what we think about you. To my point I sent Barclaycard the CCA, CCA reminder & the Cease letters. They never once…
