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Credit report marked as settled?
Hey all just a quick question to anyone that may know the answer. I have paid 2 of my debts of this month and they have said that they will update my credit report. How long should i leave it before i order a new credit report to check that they have done it or how long should it take for them to change it as…
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4 credit commitments on £30 a week
Im 18, and before Christmas I was on a decent enough wage to keep up monthly repayments on a credit card, my very account and 2 phone contracts (one for me and one for my partner). however after christmas my contract for one of the companies i worked for ended (it was a christmas temp job) and my hours at my current job…
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lloyds tsb and scm solicitors
hi im looking for some help. I have had a formal agreement to make reduced payments to visa with lloyds TSB and everything was fine ie interest frozen and no charges. the formal agreement ended in december and i have had an informal agreement to make reduced payments though still no interest or fees. i was told that i…
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Dmp
Hi all, Ive just started a DMP with CCCS & just wondering if anyone has had any success with Nationwide or Halifax? Ive a loan with Halifax, CC & OD with Nationwide. These are the only two creditors im waiting on hearing from. Nationwide are wanting a little more than what CCCS have allocated them. Just interested in…
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Advice after losing my job
Hi guys, I was hoping someone here might be able to offer me some advice as to what I should do next...... Basically, I've done something really stupid and am now looking at being fired from my job for gross misconduct. I was struggling with my work and then to make matters worse I panicked over not having completed…
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Dept Managment Plan With Gregory Pennington? More Hassle than its worth?
Ok so after spending nearly 2 hours on the phone with Gregory Pennington, they have advised me to go on a debt managment plan. They are charging lots of money, £225 arrangement fee, £32.50 per month...this is all well and good but Im due to start university in September and wont really be earning, im really worried as Im…
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Apparently i owe Orange £94 but i paid my bills
I'm feeling sick i've had a debt collection agency demand £94 from me, Apparently i owed Orange this. I'm confused as i was sure i was up to date. I transfered my account to 02 in june 08 i paid my last bill to them in June that year. I've head nothing since, & then i did a check on my rating last week & discovered a…
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What a mess!
What to do? I have tried to keep up with minimum repayments but couldn't so I started a DMP with CCCS. Some creditors are refusing to suspend interest and I feel like I am paying money out (631) each month and not seeing any results. For a 45.00 payment Natwest are taking 43.00 interst! I would really appreciate any advise…
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Selling a used IPhone 4?
Not sure if I have the right forum, but is it possible to sell an iphone 4? Even if I have used it for 5 months. I don't know? I have around 400 pounds worth of songs from itunes on it as well and it is contracted to orange. What do you think I could get for it? Thanks.
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Help my credit score is 350!!
Hi all, I have been meaning to ask for advice on here for a while now, so here goes. Today I have checked my credit score and I have a score of 350. I know why this would be: Back in 2007 I left my job, where I was there for over 4 years. I graduated from University in 2004 and paid my Uni fees and loans off. I had another…
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bank loan and ppi
Hi Guys, I'm new to this and in a world of stress, I lost my job a year ago, informed my bank immediately (I had a loan with them) and they gave me 3 months grace. I wrote to them after this to say that I was still unemployed and uwell (I have suffered from depression/alcoholism since 2007), I am now recovering but of…
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Please help: Westcott Credit Service
Hi, I have just got home and saw that I had 2 voicemails on my house phone so I have listened to them both and they were the same automated message asking that I contact Westcott Credit Service and gave their telephone number and opening times. I have just googled them to see that they are a debt recovery service, I…
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Mental Health and Debt Help Booklet Discussion
This thread is specifically to discuss the booklet Mental Health & Debt To discuss or ask a question just click 'reply'. Thanks! (This thread was also used for discussing an early sneak peek of the guide, so some of the early notes include suggestions for that.)
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Please help. Unknown debt from Lowell Group.
Hi, my friends. My credit history was very good and I always pay my bill on time. But I still have been annoyed by Lowell Group since few years ago, which affect my credit a lot and it is so annoying. Few years ago, Lowell kept send me letters under my name, the letter said that I brought something from X company and did…
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court action for a nil balance
reliable collection keep sending statements for a NIL balance, with debt paid up September 2011. Numerous phone calls they said they taken hubby name off the their data To day we got a letter threatening court action, which can result in debt collecters calling, baliffs, charge on property, etc.. We phone them they stated…
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Hi im new
I am in a huge mess with loans and credit cards. Its been like this for years and im able to hold my own at the moment but i am hoping i can get some help. I wont go into too much detail, but For now i am in around £40,000 debt. I have been for years with the situation not changing much month on month. I contacted…
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secured loans
can anyone help answer a few question for me, my partner and i had our house repossed 3 years ago we also had a charge on the house, we have not heard a dicky bird until last week when we had a letter from a completely different company not from the loan company we originally had. They are asking for the loan to be repaid…
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Statute Barred - they made a payment!
Had a debt which was well over 6 years since any payment/acknowledgement. Got a letter the other day from the DCA stating that I made a payment of £3.00 last July to the account, which I hadn't :mad: I have one other debt with the DCA... although one is called Lowell Financial and the other Lowell Portfolio1 with different…
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token payments before full and final
im 30k i debt mainly to credit card compannies and will inherit 20k in about 6 months. im wonderring if anyone knows how to go about arranging a full and final setllement with my creditors whilst in the meantime bringing my monthly payments down to a small amount. thanks.
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Statutory Credit Report help and advice
I have just recieved my statutory credit report, I knew I had four defaults and a graduaute endowment judgement. Today I set up payment plans for all of my defaults and I am already paying back my graduate endowment judgement through my earnings. I also have an overdraft I am beginning to slowly pay back. As I begin to pay…
