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Thanks.Please give me some idea for unknown debt?
I had received two letters under my name, my address, same orginal company name(Shop direct), but with different Lowell reference, different Shop direct account number and different amount money on Lowell letters in the same time. The total debt show on both letter is arround £1600 in total. But i have no knowledge about…
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probably silly question but here goes
am starting a dmp and looking to turn my life around. i do wonder how some of these banks think though. i have been in debt for 18 years and done nothing about it now i am, but looking back about 2/3 years ago i applied for a barclaycard , i was on about 20k a year with a mortgage and several debts totalling about 14k had…
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My CCJ has disappeared from my credit record after 6 years - what does this mean for
I had a CCJ against me in 2004. I'm paying the monthly payments off and it will be all done later this year. However I am having to move house as my landlord is selling. I checked my credit record last night (and the court records) and I can't find it anywhere. Do I need to declare this CCJ before the letting agent does a…
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help understand my credit file
hi there ,im hoping any1 can help so im not too sure how my credit file works ,call me thick:o my report seems quite good but in dispute with creditor over payment my insurance coverd when i was ill ,i have backing of CAB and they belive creditor is in wrong but want i wanted to know the creditor has report that says…
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Debt, IVA's and Moving Overseas
Hi, I have a number of questions and would really appreciate some advice. Bare with me, it's all a bit confusing! I have been paying off a nasty debt for a number of years (approximately 6 years now) via PayPlan, which I believe are either IVA's or Debt Management Plans (I'm confused over the difference, which is stupid…
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Weekly Spend Challenge W/C 20th February 2011
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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Debt Free!!!!!!!! :)
Hi everyone OMG im so happy!!!!!!!!!!!!!!!! :) :) Have wanted to be debt free for a while (mortgage aside which can be concentrated on now!) and had a loan which consolodated some credit cards etc which was due to finish June 2014. So, came home today to find a letter from Westcot Credit Services to say that i owed £5300!!…
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Help with tweaking SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1322 Partners monthly income after tax....... 0…
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My SOA - please help
So a little bit about me I guess - I got myself into debt around the age of 20 and it has just spiralled out of control - for almost 10 years (i'm now 29) I kept my debt a secret - I was ashamed and embarassed I just want to sort it now but finding it difficult - I have been off work with depression , partly due to my…
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Fredrickson International/ Fairmile LLP - need help quickly!
Hi, I'm new to this site and really need some advice. At the end of last year I got inundated by texts and phone calls from Fredrickson International, I ignored them as I don't answer texts/calls from numbers I don't know. I've been sent 2 letters by Fredricksons asking me to call them on a personal matter, i ignored them.…
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How reliable is The registers for judgments and fines? Thoughts/advice?
This is in relation to the council tax arrears which my flatmate has gotten us in to. I can't trust her at the moment so I'm doing everything I can to find out how affected I am and what my options are. I've previously reviewed my credit files and everything seems to be OK, there's nothing of any concern registered so I'm…
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Saving Money on Kids Dinners
Not all of us qualify for free school dinners but plenty of us are scraping together as best as we can. I have two kids and their school meals cost £2 and £2.10 respectively each day - that's £20.50 per week if I was to give them school dinners every day. So I started making them packed lunches but of course there are only…
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Newbie but looking for advice about Natwest and it is long, sorry.
Hi, sorry to jump in feet first here but I am looking for advice. About 18mths ago I paid a cheque out of an account which I don't often use with the Natwest and I transferred the correct amount to cover the account across to the Natwest account. At the beginning of January I recieved a letter from them telling me that…
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A bit more advice please
Hi all, Having trouble with CC also overdraft, basically i have a £1050 OD with Sandanter, and my take home pay is £1150 approx, all my priority debts are payed on time, but a couple of others dont get payed till the begining of the next month, and im talking about £30 in total but i seem to be getting charged around £75…
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Jacobs Certificated Bailiffs
Hi Guys, Looking for advice please. I received a letter from Jacobs Bailiffs about 3 weeks ago saying i owe them £548.20 for a council tax bill. This is apparently from about 5 years ago? I rang them up and they said i need to ring a guy on his mobile so i did, left a message, gave it a day but i didn't hear back. I then…
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F&F settlement questions
How much should your starting offer be 50% ?? and if you only have enough funds to offer one creditor F&F settlement can you advise them in your letter that if they do not accept you will offer it to another creditor ?
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Halifax CC
Hi We have a DMP with CCCS which we have been paying for the last 4.5 years. One of our debts is with Halifax for a card in my name only. The original debt was £14k and we have paid back under our DMP £12k to Halifax but I still owe £9k. They even charge me a late payment fee every month because of when CCCS pay them. I…
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Fredrickson International Limited?
For the past 10 days someone from Fredrickson International has been calling my landline number (it's not in my name,i lodge with someone) .They have been calling 2 - 3 times each day since the 11th of February. I haven't answered the phone as i have nobody who calls me on the landline. When i've checked for messages…
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another bcw + orange thread
Sorry for another thread on these two "companies" but after reading the countless ones im still non the wiser as to where i stand 4 years ago i extended my contract with orange and was told i would now receive free text messages as part of my plan, but my contract was never changed and i texted my way to a massive bill and…
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Does anyone know what the codes are on callcredit??
Hi all I don't know if anyone can help me so I'm trying to be good and check my credit files...as two of them through their faults in their payment systems charged me £12 and sent a late payment letter to me...the charges were refunded and letters sent saying sorry for those letters in error and that it won't affect my…
