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my mess!
well just checked my credit score which is very poor, score of 401 :( Debts hfc- £2,297 first direct- £658 blackhorse- £8440 i have 2 defaults on my account on from hfc and one from mint which i settled in 2008!! Also i have a debt for capquest for £4000 which strangly wasnt on my credit score report but i know i have as…
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nhl new
Chara probably didn’t intend to run his man into the stanchion, although you could get a vicious argument to the contrary on the Island of Montreal. In at least two languages. But intent should be almost irrelevant, given the result. The NHL and the players association (are you listening Donald Fehr?) have to find a way…
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stopping interest and charges
Hi i am currently managing my debt through CCCS with a DMP however Natwest are still applying interest and charges to an overdrawn account. last year i wrote to them using a template (i thought it was from this site) asking them to stop charges and interest on another account which they did. my problem is i cannot find the…
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DMP - Self administered or stay with CCCS??
Hello I have recently set up DMP with CCCS - got good advice from here about it. I have nothing but praise for CCCS they have been full of advice, helpful - even when I have asked daft questions and things going smoothly. However _ I am still getting letters and I feel as though keeping an eye on what is happening with…
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Need credit rating.
Hey, i wanted to check my credit rating as have quite a bit of debt and at moment trying to rent a private house with a friend i have just tryed to join the 30days free trail on the metro.co.uk wedsite which is creditexpert.co.uk (experian) but it says i am already a member which i really dont remember ever joing but may…
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Help please. morning phonecall about debt from 2005
New to this so bear with me! I received a phone call this morning from Robinson Way saying i owed a Kays debt of £130. They had my previous address (moved last september) but then said the debt was from 2005. I tried to confirm what address they had the debt from and then could only give me an address i lived in 10 years…
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How Soon To Start Applying?
I'm almost through my trust deed (Scottish Version of an IVA). It should complete at the end of the year and then I hope all the stuff that needs signed off is done in a couple of months. I've been reading a lot of the posts on this forum about re-establishing credit worthiness and was wondering how long I should leave it…
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Need help
Don't really know what else to add. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1564 Partners monthly…
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Finally! He's admitted it
OH has debts - I knew this, but he never officially told me. Last night he admitted he has 3 debt collectors chasing - 1 is CSA which he has been trying to sort. The other is for finance and 1 more for a phone. Been a long time since i've dealt with debts so . . Obviously CSA will be paid Phone - Can this be statue barred?…
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Experian - Help Needed urgently
Good Morning I updated my experian membership with new address yesterday and when I checked today to make sure all is correct, I suddenly have more credit accounts? I double checked and Experian has listed some accounts dupliacte or even tripple? Same account names, balances etc i.e. my mortgage, my current account etc.…
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Advice for a tricky family situation
Hello, I'm posting here although this isn't for me, so I don't have access to all the financial details. I have an elderly relative who, since her husband died, has been living with a partner (also elderly). It has transpired that over the 15 years or so she has never contributed to household expenses, despite having money…
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Urgent advice needed re RBS od/loan
Hi, i could really do with some advice regarding my situation with RBS I have a loan with a balance of £12506 outstanding and an overdraft of £3500. I have been paying the loan without fail and the overdraft is on a reducing arrangement as they originally removed the overdraft last year but agreed i could repay it back…
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Thursday 17th March - What small DFW things will you be doing today?!
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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Fairfax & DRO
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Out of the blue Debt destroys credit rating!
Hello, I have been steadily building up my credit rating and up to last month I was doing ok. Ive just cleared a £15,000 car loan 2 years early and my score had increased. Over the last few months I had been contacted by Lowell Debt Collections on behalf of the Three network. They claimed I owed £670 from a mobile contract…
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Advice on becoming debt-free.
Good evening, I think today I finally had what many of you would call an LBM. My new Vanquis credit card arrived in the post, along with it a 49.9% APR. So I decided to lock it away and figure out why I felt I had to apply for it in the first place. I'm 20, currently a dormant student (I return to my University studies in…
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Debt and no work, advice on which way to turn?
Hello there, I'm new around here although I've been lurking for years. I've sorted myself out through the info on here and am on the (long) road to recovery. I'm here to ask some advice on behalf of someone else that needs help. A friend has turned to me for advice and I'm not really sure what to do. Here's the problem.…
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Credit File Clear-up
I got into a lot of debt years ago and had a Scottish Trust Deed. It started in August 2005 and was satisfied in August 2008. I have been checking my credit file a lot more recently and I spotted a few cases where the lender had not updated the balance of my account to show 'satisfied', which I believe is the correct…
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snowball?
does anyone know the link for this snowball please? thanks
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Young, fun but not excatly debt free :(
Hi guys Hope everyone is well. This is my first post, quite nervous and if I am being honest I really don't have a clue about most of this so please forgive me ignorance!!! Through reason that are no body else's fault but mine, I have managed to get myself into debt, really not proud of my self because of it!! I am only 21…
