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Debt-free wannabe

Archives for March 2011

Mackenzie Hall, help needed please
Hi guys and girls, new to the forum and just want a bit of advice. My ex partner contacted me today saying she had a visit from a collection agent from Mackenzie hall about a debt from Lloyds! The first thing that struck me is they discussed the debt with her which surely they can't do, she knew how much I owed and what it…
Token Payments - Payment Method?
After speaking to CCCS, I'm about to cancel all my CC DD's and send the letters to everyone along with token payments - which method of paying the £1 token gesture is favoured by members? I have no cheque book with my cashminder account so I think I'll need to send payments via SO or PO, is this correct? Do I send the…
defaults ahhhh
hey guys long time no speak..... well after hearing that my ca was enforcable :mad: i just left the defaults alone to be dropped off in december 2012 well this is where i need the advice i have read on this web site a default has to be placed on 6th month of no payment? looking at my equifax report well on the c l finance…
Is this a bad idea?
Today I was offered a training contract at a law firm in London, starting September 2012. The condition is that I do my LPC in between Sept 2011 - Summer 2012 in London, which I would need to pay for in full. This course is really intense and will have so much to study that won't really have much time for a job in the…
Santander passing debt on....
Hi Guys, I am just starting out on a self managed DMP, and today i got a letter from Santander saying they dont accept my payment proposal :( and they are passing the debt on, however if i wish to continue paying what i can to the debt in the meantime that is up to me :( So.... what do i do.... I cant pay anymore :( Anyone…
Can they do this?
Hi all this is my first post and hope someone can help me out, I have 2 accounts with a finance company and apparantly i missed a payment back in November 2010. Late payment fees owed are £42.57 due to a couple of letters they've sent. on my other account I missed Febs payment yet the fees are at £148.66 because of the few…
April is the month for me everything changes
Thanks for all the messages the other night, it was the best thing i could ever have done joining you all here i now see light at the end of the tunnel all be it a very dim flicker but it's there. I have got my spending diary ready for april, have already made £42 on ebay which won't be in my bank until 4th april so put it…
McKenzie Hall
Hi guys i am new on here so just finding my way. just a quick question really. I keep getting phone calls and txt messages off mckenzie hall, not sure who these jokers are but they are beginning to annoy me. They say i am in debt and should contact them, i have not yet but am tempted to just to shout at them. Thing is i…
Defaults settled and Credit Checks from LA
I am hoping to move after June when my wee one is born and I am paying off 3 defaults on my credit report this month so they will be marked as "satisfied". If they are marked a such does it still go against me that they are registered on there? Someone advised me that if Im credit checked by a letting agency as they are…
Please help - threatened with 'removal of property'
Hi, I really don't know what to do, so I really hope someone can help me. It would appear that someone has registered their car to my address and is driving around London collecting congestion charges and not paying them. The first I knew of this was a bailiff calling here a week ago. He accepted that I was not this…
I don't see any light at the end of this tunnel!
Good afternoon, Firstly, I will appreciate anyone's advise - I am not looking for things to be done for me and I am fully aware that I have let things get too far and I take full responsibility. That said I could really do with the Forum's time and advice. I have contacted CCCS to try and sort out some payments to various…
Do we have to pay an 10 year old debt??
Hi there, hope I can get some advice please from someone more knowledgeable than myself on these matters. My hubby and I were married 2002 and moved into a rented property for 3 years and have been in our current property for 5. Today we received a letter from a debt recovery company in relation to an overdraft my husband…
Please help me stop money slipping through my fingers
This is my first post here and I am rather nervous about it, so please be kind. I know my family is very well off but I am really struggling to understand how to manage our money. Anyway, I feel rather ashamed because we have signed up to the rat race and have made some bad decisions. We are asset rich (if you count our…
letter from 1st Credit??!!!!
hello all, just joined the site and need some help please? i have just got home from work and received a letter from 1st Credit, stating that they are trying to contact me regarding a personal matter...(debt i presume) it says that if i am the said person that i should contact them on the number provided to discuss the…
Call credit check
I wonder if anyone can help? Is it true that searches stay on their reports for 24 months? thanks
To Loan or not to Loan...that is my question
Hello!! I have been in debt since I was 18 and i'm approaching 25! I, more than anything, want to be debt free so I can go travelling next year (October is the plan!) I want to be debt free a few months before so that I can save, save, save! Here is my situation - I have 3 credit cards. £ 750.00 Virgin (MBNA) 24.9%ARR…
Help, struggling with debt
Hi all, I need help really, we're in debt badly to the tune of over £8000 :eek:It wasn't so bad a year ago as we were both working, but then I got ppregnant and got sacked for said pregnancy and what with bills and rent we got into debt. I feel so ashamed and disappointed in myself. I owe £5200 on Barclaycard and the…
help with debt - 20yo
hi my name is luke (new to the forum) im currently struggleing with debt that i cant seem to manage. my debts are £1700 for a barclayloan £1050 maxed out barclaycard and a £450 overdrawn overdraft i get paid every four weekly and i get about £400 i have a problem with spending as most young people do and i cant keep up…
letter from 1st credit.
I have moved into a new place about 9 months ago now, and have just received a letter from 1st credit asking me to call and quote a reference number. I did obviously to find out what this was in reference to and was told that i owe £1500 for a citifinancial loan going back to 2003. I advised them that i was unaware of this…
Credit Ratings
hi all, just checked my credit rating there with experian and it has gone from 684 at the start of febuary to 840 today march 31st does that sound right to anyone usually the only increases ive seen in the past have been marginal could it depend on the circumstances like i have been at my address now 2yrs, no late…

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