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Lloyds TSB Contact addresses
Just filling out my paperwork for my DMP and cannot find an address for my Lloyds TSB loan and credit card anywhere, does anyone know where I can find it? Have googled with no joy
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Best Apple Apps for MoneySaving
Hi All got a Apple Ipad/iphone and want to know what apps you guys use for money saving from the tesco club card to nectar points app any recommendations for making managing money easier and more efficient by being bang up to date. I also like the Sainsbury App ~Anyone know if Moneysaving expert plan on bringing out an app…
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Panicking about upcoming DMP
Hi. My DH and I are in the process of a DMP/DAS and I just wanted to ask a couple of things. I am so stressed just now! Basically, CAB have firstly told us the initial process is they write to out creditors and bank(large overdraft) asking for our outstanding balances. This takes 28 days. In the meantime we have cancelled…
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Hep locating ebay board
can anyone point me to the ebay forum posts, I cant find them anywhere was sure they were here but getting nowhere fast?
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A NRAM Query
Right - this one has me a hubs utterly foxed. OH has DAS for several debts one of them being with the former NR. Today he received a statement from them, which makes no sense to us at all - and for all intent and purposes it looks like there has been payments made to the account which have in effect brought the balance to…
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Life and financial plans - any useful hints and tips?
Hi all We are starting in earnest to blitz our remaining debts and save for a house deposit. I first came on here a few years ago, and have steadily chipped away at my debts, going from something around 8k, to now around 2k (I need to confirm the actual figure but it's now about that.) Circumstances have changed…
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Credit File - 'Arrangement to Pay'
I've just looked at my Experian and Equifax credit files and on my Equifax record for my HSBC credit card it says 'arrangement to pay' in red. I opened it in December 2010 for the 0% balance transfer for 15 months but this 'arrangement to pay' logo has got me a bit worried. There's no explanation on the Equifax website.…
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wow everyones amazing
hi all, Nothing fancy here just wanted to say there are so many amazing people on this forum, so many of you bring tears to my eyes with your struggles and successes and make me feel very humble, there are so many of you who have helped me and many others, from reading others posts etc., either through replies or just from…
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How have you managed to clear most of your debts?
I did so by cutting back on alot of luxuries and paying more than in minumum payment. I did go with a debt management company- that charged me a monthly fee. I saw they were not paying the creditors on time and I was still getting letters. I then worked for the same debt management company, many years ago.. it was like…
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Bryan Carter Solicitors ltd
Hello , I have just come home from work to find a letter from the above company. It says; RE: Arrow Global Guernsey Limited OUTSTANDING BALANCE £69.93 It then states the debt is seriously overdue I must make payment "BEFORE THE 11 MARCH 2011" to avoid further action But I have absolutely no idea what its about!!! Anyone…
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Please talk to me about Debt Management Plans
Im currently saving to go bankrupt but in the meantime have taken lots of advice from National Debtline and Business debt line and have been advised to set up a DMP in the meantime. I am a sole trader running a small childrens party planning company but business has been dire hence my financial situation. Would anyone mind…
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Credit report Help!!
Hi im trying to get myself out of some old debt, the thing that scared me into doing so was having a credit check done from a prospective employer, however i had a look at my credit report and none of my old outstanding debt is there, the only trace of it is in the linked addresses part, just wondering what this means?? as…
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Weekly Chat --Week 10, Is that a little ray of sun i see?
Hi All. Thought i`d make a start on the thread or it may not even get started! Well today i have done absolutely nowt ( apart from put a load of washing in) Off to the flicks tonight to see paul as it looks very funny. Tomorrow we`re going to choose the colours that we want in our kitchen in our new house, its still being…
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Not sure if I can do this - Pension...
I had a letter from Aviva today that has my private pension statement in it. I have paid intio this for some time now and have a balance on it that could pretty much clear my debts. Is it possible to draw this down? Or am I well far of the mark?:p
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How do you stop yourself spending?
Hi I'm interested to know how you stop yourself spending money on luxuries that you don't need? I'm at my 'danger stage' in the habit forming process. The novelty of cutting down, and initial enthusiasm is wearing off. But I've not yet ingrained the 'not spending' habit. A few examples - - last night I was so tired after…
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Barclaycard Nightmare :(
Hi guys, Barclays are turning up at my door & hassling me now which is doing no good for my pregancy & high blood pressure. Hammering on the door at all hours & putting notes through saying 'I wont go away unless you answer the door Victoria!!' The Dogs going mental barking & Im having a meltdown hiding in the lounge :(…
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Credit Report Status Defaulted
Hello, my wife has an entry on her Credit Report listed "Loan from Hillesden Securities / XXXXXXXXXX" It says "Status Defaulted" and "Updated 03/03/2011". I know Hillesden Securities is Direct Legal and Collections. We are paying them every month as agreed. This was previously from a loan we borrowed from Abbey National…
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Aktiv capital - default and court claim questions
Dear all, I am dealing with aktiv for an unacknowledged 5 years old store card account-150 pounds. I have two questions and it will be greatly appreciated if I can get any advise or suggestions. 1. What are the chances that they will remove the default if I am willing to acknowledge the debt and pay the full amount? I know…
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Inhibition Order Scotland
Would an inhibition order made by a company on my house show in my experian credit report? A company who I have had a long running battle with over a contested debt have delivered a huge pile of paperwork to my house which indicates they have placed an inhibition on my property. Yet no sign of this on my credit report. I…
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Whats the expiry date of Formal Demand Notices?
Formal Default Notice NatWest Bank sent me what I believe to a Formal Demand Notice however the letter did not state the expiry date of the Formal Demand Notice, I was told it was generally 14 days from date of issue by a NatWest cashier, is this true? Would anyone know where I could get this information as when I call…
