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Will adverse credit history stop me renting a house?
Hi, has anyone experience of renting a house with an adverse credit record? I started on a DMP via the CCCS in August 2010 with total debts of around £50,000. It has gone really well and I am able to manage my personal finances far more responsibly than I have for years. I am in rented accommodation and have been given…
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Husband refused loan due to default on my personal loan
I`d like to ask for some advice on a situation with LloydsTSB. I have a personal loan with Lloyds TSB, this was taken out based on my current account. I`ve been unemployed for approx 2 years now but with my Husbands help the payments have still been made every month. Unfortunately due to my Husband being whacked by CSA for…
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Unpaid tax demand i can't afford to pay HELP!
Not sure if this is the right thread for this, but anyway……. A few years ago I worked a second job and I have just had a notice from the tax office telling them that I owe them £2700 in underpaid tax. I have read online that if you owe over £2k then they will demand it all back in one payment. I am starting to panic as I…
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Help with Knightsbridge
Hi, In 2009 i took out a DMP with a company called William Goldberg, basically i could not deal with the debts after making an aggrement with them i chose to pay £100 a month towards my debts. At the time i was under the impression that my £100 would be divided between my creditors, not be able to deal with it i was more…
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Rockwell DCA
Hi All, I recently recieved a letter from Rockwell about a debt from years ago I researched on here and sent them a letter about statue barred as it is from approx 8/9 yrs ago. I did get a reply where they acknowledge it is statue barred however they say as the debt still exsists they can still demand payment or increase…
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Furious with metropoitan services
I have a an arrangement with Metropolitan to repay a business debt from a previous Limited company i had. I was told there was a personal guarantee on my old LTD company account with HSBC and that it had a personal guarantee attached to it. I have been paying £150.00 per month since August 2008. As i do not recall signing…
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Creditor Collection Team Postal Addresses
Hi all Can anyone help with the best postal addresses (and name to make FAO) to use for the firms below. I need to send a letter and token payment but don't want any delays by sending it wrong department/address etc. Thanks in advance and sorry if this info is elsewhere on forum; 1 Month Loan 24/7 Money Box 3 Mobile…
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Thursday 10th February - what small DFW things will you be doing
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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How to start? What to say?
Hi all, This is my first post so please bare with me :-) I’ve been sitting here for the last 3 hours reading peoples post thinking what to say its so hard to say/type what i find embarrassing but will have ago. As you can see from my user name im 23 and finally realised my debts are not going to miraculously go away. I…
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Warning about CCCS has confused us!?
We have received info from CCCS, we have since been contaced by several Debt Plan Agencies. One DPA warned us from CCCS saying they "work for the craditors" and not for us and the creditors do not always freeze the interest and therefore after the 6yrs 1 month (they state it will take this long, based on their workings-…
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Council Charges - advise plz??
Hi, I am posting this on behalf of my sister. She moved out of a council rented flat approx 4 months ago and has now been sent a letter for charges incurred to ''empty'' her flat. She is being charged for emptying the attic - which she had told them none of it was hers, it was there when she moved in. A broken bathroom…
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How quickly will your credit rating improve?
My last default is due to come off my report on the 14th February and I just wondered how quickly my credit rating would improve. I am looking to apply for a mortgage this year and just wondered when would be best to start applying? Thanks
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Garfie's DF goal!
Ok I've been lurking for a while and a friend has finally convinced me to post on here for help! I've managed to pay off 1 credit card and 2 hire purchase loans between last august and now, but money seems to have hit a standstill and debts aren't going anywhere!! So this is my SOA: Household Information Number of adults…
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pregnant and council tax bailiff visit
Hi, I am looking for some advice about council tax and bailiffs please. My partner and I run our own business and for the past 6 months things have ben a struggle. A lot of clients owe us money that we might not see at all and the ones that are paying are doing so very, very slowly. This has led to us getting behind in our…
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Moorcroft/Orange debt collection-advice please
Long time lurker, first time poster! History: Took out a mobile dongle with Orange in May 09 whilst living at a rental property. I had a huge problem to start with because I was mis-sold the product by a 3rd party pretending to be Orange. The mis-sold product was an 18 month contract which I didn't want (as I knew I would…
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debt pay off
i am going to pay off all loans with a new loan to try and manage my debt better but i am about 1000 pound short to pay off all of them in full, does anyone know whether the 6 companys would be willing to take a payment that was 150 pound short of settlement figure?sounds a long shot i know but just wondering whter anyone…
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Bailiff posyed notice of seizure letter
Hi Please can someone advise me. I am currently saving up the money to apply for bancruptsy so have been holding off paying debts. I have tonight received a visit from a Bailiff (first visit) for unpaid council tax. I explained that I had visitors on the way and couln't talk right now but would call him tomorrow. He was…
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Dealing with debts, order of repayments??
Hi, I have had a bit of a bad run and have ended up owing a fair bit on credit cards and, worse, to the tax man! Hmrc are after it soon as so it will have to go on a credit card somehow, whats the best way to juggle it about? I am just looking for some advice on the best (or cheapest!) way to repay the following: Tax…
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okey dokey, where to begin?
hi, long time lurker, first time poster apologies for length after thinking i was a clever sod with an excel spreadsheet to manage the finances, cc payments etc, i was a bit dismayed when i realised on monday that i'd missed off a full two rows and hadn't accounted for £12k, i am an arrse i freely admit, the wife tells me…
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Need advice
A friend of mine is 25 and in FT employment, she currently has a loan with Barclaycard outstanding balance £4779.66 APR 13.129% paying £205.37 fixed amount, and a credit card with Barclaycard outstanding balance £2659 (credit limit) £2700 APR (not sure) 2 different rates as she borrowed some cash on it paying £65 minimum…
