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Advice needed... credit limits/cards
Hi all, Just a quick question if some knowledgeable person could assist?! I have heard that everyone has a certain 'credit limit'....i.e. if you have a loan and a credit card up to this 'limit', you will not be able to obtain any more credit. I ask because a friend is using a really high interest credit card, when I told…
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Does a HMRC debt show on a credit file?
Hi, I had an 'investigation' by hmrc which resulted in my owing them £5,600. I paid £1,600 and spoke to them today and I am going to put £2k on credit card tomorrow. The card only has a £2k limit, I will then transfer to a 0% card with a higher limit. Once all this has been processed I will pay another £2k, transfer again…
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any advice welcome
hi this is the first time i have used this site, but i am really wanting to get a grip on our money problems befor they get any further out of hand :eek: any advice welcome:) so me and my husband both work, he works full time (14000 pa) and i work part time (5000 pa) we also have a daughter aged 3, and a son due in 6 weeks…
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abbreviations used on forum
dont know if there is maybe a post giving an explanation of what the abbreviations mean? but can we do a quick one? what does lbm mean? x
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How can I avoid this default..santander loan?
Can anyone help or advise? I have a santander loan and missed 3 payments last year. Sept to Nov. Dec I made a full payment, however was not able to in Jan so organised a one off arrangment. I kept to thi throughout Feb and at beginning of March was back onto full monthly installments and have an arrangeent in place to pay…
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new credit card?
Hello, so I just paid off my first credit card!! and its in the back of the cupboard for absolute emergencies only. I want some advice on what to do next. We have two other credit cards 1 of which will be gone by august if we manage to stick to the plan. Our credit ratings are both in the 'fair' categories in experian and…
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Not sure what to do...
Hi I used to use this site a few year ago, but I've not been doing so well recently :( . I have 2 loans which are pretty much looking after themselves, they credit card is and issue and I've been trying to stop spending on it. But I had my MOT today (£178 on the cc) and I was told that my little car (12 yr of feista) will…
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MH have performed a credit seach
Hi, This is my first post. MH have done a search for outstanding debt on my credit file (Equifax) I am concerned about what else they are likley to do? Should I contact them about this? really at a loss as to what to do. Thanks
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Debit Fixers and their Settlement plan seems too good to be true?!
New user here so please be gentle. Myself and partner are in a situation where we are £35,000 in debit and are in the process of selling our house. We have had some contact from a company called Debit Fixers who tell us that after setting up a DMP with them we for £450 per month after 6 months with them they will then…
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would my bad credit affect family member
:mad:my son applied for finance to buy a van he only wanted a top up but was refused ,would my dmp afect him ,he has a loan with them
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Fredricksons CCA nightmare...
Just a quick one. I am having a nightmare with the above at the moment trying to get a CCA for a loan I defaulted on at the Co-op (yeah I know!!) After 2 letters and no reply, they are now saying that I need to send a postal order for £2. Is that Legal
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Dmp or diy
im fed up of shelling out money for credit cards and wondering if i will have enough in my account at the end of the month to spend on a treat. i did a budget planner for national debtline and told if i gave everything i had left to my creditors to share it would take 2 1/2 years to clear. i have one bank account that my…
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MSE News: Inquiry into financial education in schools launched
This is the discussion thread for the following MSE News Story: "An All Party Parliamentary Group has begun an inquiry in a bid to kick-start compulsory money lessons for kids ..." Read the full story: Inquiry into financial education in schools launched
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Just a quick question about CCJ please
Found I had a CCJ when recently checking on Experian. Thought I had paid debt, but it's included in my DMP. It is dated 16/05/2006. Am I correct in thinking next year after May it will no longer show on credit reports? Not that I want credit, but I do rent.
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CCA request to Rockwell
Hi all; After paying small amounts to Rockwell since 2007 I sent them a CCA request last week and got a prompt reply with what appears to be a standard leter. They acknowledge they can't enforce the debt as they can't produce the CAA - they say 'unfortunately the agreement is no longer available'. However, they've also…
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Don't know where to turn
This is my 1st post so please be gentle :) I really really need some hep. I've got myself into a horrendous situation & I don't know what to do. I have around £30k of debt & I have no way of getting out of this mess. Until recently I had a good paying job and was able to meet the minimum repayments on all of my debts. My…
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Seeing the light at the end of the DMP tunnel
Hello all. First-time poster, long-time lurker... I just wanted to post my story in case there are others who have similar worries/problems, as well as to say thank you to all the members on these boards for their helpful advice posted on other threads. I had built up debt slowly over a few years but two-and-a-half years…
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Confused
I have a mortgage in three parts and am now in a position to over pay, i would like to reduce my mortgage as much as possible. Is it better to add the overpayment to the part of my mortgage that has a higher interest rate running at 6.99% or the one tracking the base rate? Thank you for any help :)
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Please help... letters from capquest
Hello, Few months ago, Capquest started to sent me letters regarding a debt(on behalf of Nat west).Few years ago, I lost my job and couldn't make the repayements. I started to default in march 2004. Last week, I received a letter asking "statutory demand of insolvency" to be completed, signed and returned to them. Today, I…
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Internet
Hello i am wanting to try and get out of debt and any chance of any extra money helps, at the moment i use bt for phone line and orange for internet, pay bt 12.99 per month and orange 9.99 per month, i am moving next month so not sure if i would be best to carry on at new place with thease or if would be cheaper to cancel…
