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Question about Credit Report (CreditExpert)
Hi Guys, Just a quick question, i have started checking my credit rating, no real reason other than curiosity to be honest. Everything looks in order apart from one old loan, i finished paying it in 2007 and there is nothing in the status, all my other account show as satisfactory but this one doesn't. will this affect…
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Helping me get debt free
I'm a newbie to this forum and wanted to ask you good people how you suggest a silly boy like me gets debt free. I'm 23 at the moment, and currently out of work (although not for long hopefully). I was one of the daft young people that gradually racked up debt against myself over years and eventually caved in and couldn't…
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CCJ Advice most appreciated
I am very frustrated as through bad administration (on my part) I received a CCJ at Christmas over a £200 debt to Next. Doubly frustrating as I had last paid them in September, so the whole process to Northampton County Court took about 10 weeks and then my reply to the court was lost in the Christmas post apparently &…
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Releasing home equity to pay-off debt?
My situation is as follows: * I bought my current house in 2004 for £109K, with a £11K deposit * My mortgage was taken out in 2004 for £98K * I currently owe around £90K on the property, and it was recently valued at £138K (by my calculations that leaves me with around 65% LTV) I'd like to ask the forum for a little advice…
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Bank account advice
Does anyone know of a current / basic bank account that accepts people with bad debt or defaults ? A visa card at petrol pump is handy. Thanks
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advice needed chased for a debt 12 yrs old
Hi everyone I have used this site for a while for moneysaving ideas. I have recently sorted all my debts out and owe just one loan. However on Friday I received a letter addressed to me as a name I hadn't been for over 6 years (i changed my name due to personal reasons then got married a couple of yrs ago) at a new adress…
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Vodafone Debt - Please help!!!!
hey guys, Im new to these forums, but have been reading them for the last few days, and decided to post as i really need your help!! Basically Vodafone are trying to get £2000 off me which i didn't incur! In 2007 i had a Vodafone contract that was in its last month, i then got a new contract with a different company…
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So difficult to save!
I'm finding it really hard to stop spending. It's so easy for me to get credit. I have a good job that pays well but because I've got so much to pay back it's a constant battle each month. I'm paying out about £400 in my debts. I don't have as much as I could have. I'm 24 and graduated university 2 years ago without any…
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Payday loans advice
Foolishly I have taken out 2 payday loans.. anyway in order to get myself in order this month and pay priority bills first I have cancelled my debit card and am in the process of writing to the pd loans folk to arrange a payment plan. Is cancelling the debit card enough to prevent them taking the money or do I need to…
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Natwest Overdraft
I'm currently a few hundred pounds over my overdraft and am incurring £50 interest per month and around £30 in fees. Natwest are reuesting full repaymet of O/D which I cannot afford. Is there a letter I can send to come to an agreement for repayment of this debt? Thanks
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Spending diary
Since I made my first post last week, pepole have come up with really helpful tips. I have started a daily spend diary to see where my money goes. I kinda new that food shopping was a big issue as I always come out with chocolate cakes and biscuits that i dont need. Went to supermarket on saturday with a list and stuck to…
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Charging Order - stop sale of house?? Can it??
I have a charging order on my property for 7k it has been there since 2007, I have a payment plan with them which i pay every month. I need to sell my house and move due to work commitments it is doubtful that my house will sell for enough money to pay both the mortgage and the charging order (there are arrears on the…
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What happens when?
More advice please Having sent off (recorded delivery) my CCA requests I have received some replies, as most of my debts are with DCA's they have written back saying I need to go directly to the original creditor and have returned my cheque for the £1 fee, thats ok I understand that, What I want to know is what about the…
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on the phone to CCCS
and i take me first steps to freedom! :)
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same debt defaulted twice
Hi. Hope this is the correct place. I bought my equifax report online over the weekend and have found that I have been defaulted for the same debt twice. It says "Credit card from Arrow Global" Default Feb 08 (it was an old mint card), and underneath it says "Credit Card from RBS (Mint)" defaulted Feb 08 the amounts are…
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help and advice on overdraft and payday loans
Hi All, I won't beat around the bush I'm in dire trouble and don't know where to go or what to do, I'll try and be as brief as possible with the problems. It is really my son who has the problem, last year I found that he had borrowed from payday loan company's the sum in total of £9k plus an overdraft with his bank for…
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Hi All
First time poster here, hope this the right part of forum to post this on. I have got myself in to a bit of trouble with payday loan companies. I got married last year and used these as an option for a bit more money (yes stupid I know). I owe 1 company £600 and another £312 which I can't afford to pay back all at once and…
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CCJ on my credit report and I genuinely do not know anything about it?
Hi, I have a CCJ against me for just over £8,000 according to my credit report which I have just recently checked for the 1st time. It says it was filed in 2008 yet I genuinely do not have a clue what it is. It has a case number but I am worried about contacting the court itself incase I suddenly find myself being chased…
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Settle early or. . . save?
Hi All, I did think about posting this in the Savings thread but after a quick squizz on there I thought again :p My partner and I want to buy a house in early 2013. He has some savings already, and already has a plan set up which means he will have his half of the deposit we will need by this time. I need to get going…
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In which order should I clear CC
Hello I have been in a DMP for over a year now and due to a family member have been given a lump sum to try and do F&F with at least my 2 biggest creditors. MBNA have accepted however Capital One haven't, they haven't even given me a counter offer. So after paying MBNA I still have £6000 of the lump sum and would like to…
