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Mackenzie Hall Default on Credit File?
I recently got turned down for car finance and, even though I've changed address quite a bit and not had much of a credit file, I thought I would join Experian and have a look at exactly how my credit file stands and try and clean it up/build it up. Anyway, it appears a few things do need cleaning up/looking into but one…
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Thank you - have made some savings today
Hello just wanted to say a massive thank you to all you lovely people. Your advice to others has really spurred me on and today I have managed to make some huge savings :T I have changed my gas and elec saving around £140 a year and Have sorted my broadband/line rental/call saving a massive £240 a year:T If it had not been…
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Payday loans, please avoid! also help needed
Hi, I took out one of these silly things and unfortunately got into a little situation due to ill health. Il explain it all so hopefully it may discourage a few people thinking of using payday lenders in future. I had a £100 loan (which was reduced by £19.50 for fast payment charge which i never asked for) over a period of…
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Advice Please
Hi everyone, I'm new to this board, but have a big problem, which I'm sure you lot can help with. I'll start with my financial stuff: Earnings = £1200 basic + commission (usually take home between 1400-1600 AT) Outgoings Mortgage with ex = £374 p/m Rent for current flat = £450 p/m Loan Payments = £342.81 p/m Car Insurance…
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Frontier on behalf of Anglian Water
frontier - a debt collection agency, left a message for me on my work phone asking me to call back quoting a ref number. I phoned and quoted the number. They asked me to confirm my name and address details which I refused to do, as I don't have any dealings with Anglian Water nor Frontier and I don't know how they managed…
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Payday!
Not really got anything to add but wanted to see my signature. Not sure why this month it has seemed better than previous months but I finally feel like I am getting somewhere. Plus for the last two months I have had money left at the end of the month (savings are being put in at the beginning of the month):beer: Hopefully…
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Credit Report Question.
Afternoon one and all, I received my Statutory Credit Report in the post earlier in the week, and am a little perplexed (although possibly in luck?).. For most of my life, I have held a Nationwide account (15+ years), however it has been dormant for 4 years as I have been using Lloyds instead. Now, my total debt to Lloyds…
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DC Solutions- who are they?
"DC Solutions" keep calling me on my house phone. The male caller speaks with a NW accent, maybe Manchester. There could be different callers, but the voice/accent is very similar if so. He is trying to sell me some form of debt "solution". The "solution" is vauge and from the description it isn't anything I recognise, it…
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DRO hurdle ~ What's the next stepping stone towards being a debt free wannabe ?
:think: :whistle:Ok at the moment I am nervously waiting for a call to tell me my Debt Releif Order has been approved or not. Mine was submitted yesterday and hubbys is being put through today hopefully. I hate making assumptions as thats the time usually all goes wrong. But say for example it was successful and I was…
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Does anyone know- Halifax loan token payment.
Hi guys. Me again! Sorry... Does anyone happen to know the sort code & account number for making token payments to Halifax personal loans? I only have a roll number 7/etc which i cant use to set a standing order up & Halifax wont tell me the details of how to pay over the phone as I cant remember the amount I originally…
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SAR not received....now what??
Hi all I'm sorry if this has been asked before but I couldn't seem to find an answer. I wrote to Roxburghe asking them for all historical data etc using the SAR template letter and enclosing a £10 postal order, and the 40 days is up tomorrow. What is my next step if I do not hear back from them?
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Debt almost Statute barred, just heard from Scotcall!! Please help
Hi, any advice would be appreciated!! I received letters about this debt in early 2009, from one company, then sold/passed to another etc, ignored all never heard until now. The debt defaulted in may 2005 and is due to be statute barred this may (2011). I received the normal red doorstep collection threat letter from…
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Churchwood Finance DMP help needed
Hi there, For a while now I have had debts spiraling out of control, about a week ago I decided enough was enough and entered into a debt management plan with Churchwood finance. They left me a message yesterday saying they had recieved my forms and would start getting into contact with my creditors. This morning I have…
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Pension question
Hi- just wondered if anyone knows if you can claim back the cash you've put into a pension so far? Mine is a local government scheme.
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Help With Getting A Reciept of Payment!
Hi all, I had a debt with NPower who inturn passed it on to BCW who inturn got a lump sum payment from me and a reciept number i requested a letter from BCW saying that the debt has been payed and no more action will be taken blah blah...anyway they told me that by law they cannot send me a reciept and therefore i should…
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Financial link to ex - can i get it removed?
I have just checked my credit report and am financially linked twice to my ex fiance due to a Lloyds TSB joint account we held. I took myself off the account in April 2009, is there any way I can have the link removed? I know he has a terrible credit rating also and dont want to be linked to him!
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Aktiv Kapital Advice Please.
Hope this is in the correct place. Ive been trying to sort out my credit file for a good 3 years now and Im almost there. I had a store card as part of a work incentive when I worked for Arcadia as a manager, but after leaving due to medical reasons I fell behind and ultimately defaulted for £339. This was back in 2007.…
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My credit rating
My partner has ran up debts and now has a very poor credit rating, where as i have a pretty good rating. We have a mortgage and a joint account together, will her poor credit rating adversly effect my good credit rating and my chances of getting a reasonable loan to help her? Thanks
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Newbie needs a monthly kick up the :-0
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2300 Partners monthly income after tax....... 0…
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Help with Bank Default!
Hi all, What a fantastic life saving site! A few years ago, I moved house and whilst I was certain I had changed muy address on the phone, apparently Halifax have no record of this. I had £2750 as a student overdraft, was in my limit, and knew that I was not paying interest, so when I started putting money in my Lloyds…
