-
~~ Weekly Chat ~~ Week 8 ~~ Don't leave me on my own......
Well, evening all. I hope everyone has had a good Saturday, mine has been productive in the housework stakes, at least. Looking forward to a Tes*o take away Indian and a glass of vino later. Hope everyone is suitably chilled. Things to look forward to this week - pay day. Come on in and say hello.
-
HElP!!! CCJ and Property Charge
This site is brilliant; I am a newbie so am hoping someone may be able to give me some advice. In 2005, I defaulted on an AMEX corporate charge card; AMEX wrote a number of times but to be honest I was going through some personal stufff and ignored them. After some time, the debt got passed to Steven Drake Solicitors who…
-
My SOA - please be gentle!
Hope I've done this correctly!
-
Something to do when you're debt free...
I saw this on another forum, and thought it might be a good idea... "...Buy a gold coin. Hold onto it the rest of your life, and keep it as a reminder that you will be able to be buried with it, and that no man will have any claim on it. By all means leave it to a worthy heir in your will (there's no sense actually burying…
-
My SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 1500…
-
Remove Viking/Santander default
Hi all, I had a spot of bother last year when I lost my job and went two months behind on my Santander credit card. They passed me onto Viking who asked for the full amount, so I came to an arrangement to freeze interest and pay the full amount over 12 months as I received a settlement payment from my previous work. I now…
-
Help!! Credit score of 306, how bad is my situation?
Hi, to be a little more detailed the score was provided by Equifax so im assuming that the germane score is accurate but i have three defaults, two at my previous address (Lloyds £768 - Defaulted May '09 and Capital One/Lowell £315 - Defaulted March '08) and one at my current address with Natwest for £1238 which defaulted…
-
How did they get this address?
probably nothing to worry about but... I used to live with my parents and when I moved I updated my address with Lloyds. Since then I have been dealing with them and a DCA and have received mail at my new address. The DCA however have since messed up and merged my two addresses together - new one is the first three lines…
-
Iva
hi, i am looking to go down the route of an IVA, i am currently talking with a company that i found. the website is IVA.net. i am aware that they will take a small fee but this isnt up front, it is out of the monthly payment once an agreement is reached with my creditors. Having thought about it i should have probably have…
-
Arrow Global Chasing me for a debt with MBNA
Hi, this is my first post here so I hope any mistakes won't get me hung. I have put my questions in bold and underline. I have been sent a demand for payment and I don't know exactly what to do next or what the outcome might be ... Arow Global have sent me a demand for £8K for a Virgin Credit Card I used to have. I am told…
-
Moorcroft - Pre Court Division please help!
Just received a letter through the door from Moorcroft pre court division. Stating i owe Virgin Mobile £56...which i am a bit confused about, as my online balance with Virgin states £98. I don't have a problem paying it, i got a new phone and ended my contract with Virgin, sent them a cheque for £40 2 weeks ago, and was…
-
Best basic bank account?
I am in the process of setting up a DMP with payplan and they have suggested we get a new basic bank account as we owe money to our bank. I have no idea where to start or what to look for in a bank account so any help would really be appreciated :)
-
credit score
Hi have an appointment at the cab on monday and I want to list every single bit of debt I have, although i know more or less what I owe I would like to search my credit report 2 c if theres anything I have forgot about over the years. whats the best way to do this quickly and is it just one of the sites I use? i seen…
-
full and final
Hi, I have 2 creation accounts and I was wondering if it is possible to do a full and final settlement on cards that are not on special interest rates or with debt collection agency? I just want rid of them. They ignored my budget sheet I sent in and they've ignored a photocopy I sent recorded delivery and they ignored my…
-
When does my credit agreement get updated?
Ive been paying a DCA for a Capital One CC I lost control of. I have been paying them since October 2010 but the crdeit agreement on Equifax shows only a default registered in 2009 and no update since. Should this have been updated as it is now being paid (albeit gradually) or will it only be updated when the debt is paid…
-
Few questions about Debt Management Plans
Hi, I am pretty sure I am going to go on a Debt Management Plan but have some questions. I am currently only working as a part time contractor so simply can't afford to pay my debts and live. They aren't massive debts by any means (approx 8k) but I cannot keep up repayments at present and haven't been able to for a few…
-
DMP with the CCCS/Moorcroft debt agency
I am in £9,000 debt with various companies and this morning recieved a visit from a debt collector from Moorcroft debt collectors.. The man was rather abusive to my dad who answered the door and refused to leave the property until my dad threatened to call the police i wasn't at home when this happened. Are they allowed to…
-
Help with 17 year old Mortgate debt.
Hi can anyone PLESE help with advice. In 1994 my home was repossessed, then resold in 1996, it was sold for approximately two thirds of its value in our opinion, but we do appreciate that the market was VERY poor at the time. I have always said whenever they have contacted me in the past that I will not pay the £17,000.00…
-
HSBC trying to get around SAR request - sods
Got a letter this morning saying they have 40 days and will be sent to my nearest branch please advice of most convenient branch I asked for details on PPI also that I had with a loan with them and they have said the following: Unfortunately this office cannot provide details of your insurance as this is held by a seperate…
-
Serious Rent Arrears- threatened with eviction- what next?
Please don't flame me...I am enough of a state about this as it is. We first starting renting this place 4 years ago, at the time I was working for a German company and my wages covered the rent and council tax. My husband is self-employed and his wages covered everything else. We were told we could not claim Housing…
