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Problem with Credit file from Equifax
i have a cahoot current account which I have had for the last 8 years, the problem i received a call from their contact centre advising me I needed to make a minimum payment towards my current account for that month , they advised me that i needed to send a montly payment of around £20 they advised me they could take…
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Hurrah!
I've been self managing my debt mountain for just over a year now. I came out of my payment plan with Sainsbury's Bank recently and I fell into panic again. I rang them to go back into it and they offered to put my interest to 1%, instead of the lovely 26.9% it was on that they refused point blank to reduce. Ok it's not…
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Money On The Brain Morning, Noon & Night !
I think I need councelling.....seriously is there such thing ???? I think about money 24/7. If I have it I have to spend till its all gone, if Ive got none I will do anything to get some, this really is ruining my life, everything I think about , everything I do revolves around money !! I have debts, im not a fan of…
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Being chased for a CC debt I never had
Hi, A while ago I was getting chased for an outstanding Capital One credit card balance by Fredericksons. I explained to them that I've never had a C1 card, but they refused to provide me with any evidence of it. They said if I was saying that, it must be ID theft and I should go to the police. Now, I know my mrs had a…
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Welcome Finance - PPI
Thread Stats Views: 23 W W Factor Coming Soon... Share This Thread: [URL="http://www.facebook.com/sharer.php?u=https://forums.moneysavingexpert.com/discussion/3045342 [/URL] [URL="http://twitter.com/?status=https://forums.moneysavingexpert.com/discussion/3045342 [/URL] No response on the PPI thread, so wondered if anyone…
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Advice please ?
Hiya everyone, Well I was on a Debt Managment plan with Churchwood with my last payment which was on 2nd Jan 2011. I decided I wanted to change my plan with CCCS as they dont charge, as Churchwood was charging me £38 a month. I made my first payment to cccs on 10th Feb 2011 and I wrote to Churchwood on 11th January…
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Saving for a car?
Hi Like everyone else here I have debts and I know that these need to be cleared before I start saving. What about bigger expenditure though? Our vehicles are 9 and 11 years old respectively and I feel that we should be putting something aside for when one of these needs replacing. I am not going to be able to save much,…
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How do I get Cahoot to update my credit file?!
I'm probably just being impatient but after a dispute with Cahoot over my current account they have agreed to refund back charges applied in error when my DMP was originally set up. This means my balance is now 0 and they can close the account. I have been monitoring my credit file - it still shows the balance outstanding…
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Received an Alert from Equifax and I'm confused!
Hi, I have a payment plan set up with Cabot to repay a CC (See sig below) and whilst trying to get my financial life back in order I ordered my online credit report with Equifax and it all seemed pretty good considering the mess we had stupidly got ourselves in. However today I received an email alert saying there had been…
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Should I phone or write?
Hi, I have written to several creditors explaing that my finances have taken a turn for the worse and have had a few replies wanting me to ring them. They are not threatening or horrible or anything but I really don't want to speak to them as I am scared they will draw me into something I can't keep up. i heard its better…
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MSE News: Debt help centres saved by government funding U-turn
This is the discussion thread for the following MSE News Story: "A last-ditch rescue effort has secured the future of many free face-to-face services for another year ..." Read the full story: Debt help centres saved by government funding U-turn
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hello i am new
hi everyone my name is stuart and i am new to the forums but i have been on the email list for while and always took advantage of the good offers basicly i am here first of for some information and to give you guys a little info about me aswell and hope that i can find an answer 3 weeks ago i lost my job it was not until…
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MSE News: Fee-charging firms pounce on Citizens Advice Bureau closures
This is the discussion thread for the following MSE News Story: "One Birmingham firm that charges hundreds of pounds for some services is already deploying mobile centres ..." Read the full story: Fee-charging firms pounce on Citizens Advice Bureau closures
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Relative living in parents house is in debt - can bailiffs enter house?
Hi, Can anyone help me out here and clarify my parents rights and position in the following situation?: A young niece of mine has been staying in my parents house for a few years, she occasionally pays keep but not much. Turns out she has quite a bit of unsecured debt in arrears (credit cards and personal loans), and to…
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Payplan
Hi All I had a telephone meeting with Payplan yesterday and they have really put me at ease. To summarise , I was made redundant from a well paid (60k+) a year job in 2005. Within days my girlfriend left me and it was then I realised I had 55k of debts. Since then , I have tried to reclimb the career ladder but am only on…
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Quick question re: assignment
Hi all, Hope you can give me a steer on this. I was made redundant whilst pregnant a few years ago and ended up defaulting on my Egg credit card. This was passed over to Moorcroft and I've been paying them £70 per month ever since, the outstanding balance is £1900. In November, due to car MOT and tax, I missed a payment…
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Are dmps worth it?
Hi this is my first forum post as i'm in financial difficulty and have been advised by national debtline that a dmp is my best way forward so i am wanting to here from some of u who are in dmps about the pros and cons of them i've been reluctant to enter into one as i've been scraping by for the last 2 years as me and my…
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I hate the job centre
Argggh I hate the job centre and HMRC :mad:.Round the circle we go again. Argggh. Why does it take so flipping long to sort anything out with them? 6 months to get a payment then another 6 before they admit they overpaid me and then refuse me for other benefits based on inaccurate info which means I can't even attempt to…
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Capquest (again)
I recently got a CCJ for a debt with Santander, and this has been sold onto Capquest. I got the court paperwork and had to fish around via a "solicitor" for a number for Capquest. To this day, I haven't received a scrap of paperwork from Capquest and have to phone every month to make a payment. The courts accepted my offer…
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Marston Group - bayliff's came re PCN Fine?
Hi, Am desperately needing some advice on behalf of my brother. A couple of weeks ago there was a Bayliff turned up at my mum's house looking for my brother - he doesn't live there anymore, and was working away at the time anyway. Mum told this guy that he was working away in Scotland, and wouldn't be back for a few days.…
