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Bailiff visit dye on monday
Hi all, My friend Called me I'm a complete panic this morning about an impending bailiff visit. Much as I know a little about debt law etc I don't know enough so thought I'd ask you. She had done a uni course which was provided by an external company who chased her last December for outstanding fees. She didn't realised…
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Help with Nationwide and DMP!
Good morning, This is my first post on here but I would really appreciate some advice. In 2009 my husband and I ran up some debt on credit cards and overdraft, realised we couldn't afford the repayments and entered into a DMP with payplan. Since the DMP has been running in August 2010, two of our creditors nationwide…
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hsbc overdraft query
I posted something similar afew days ago but still need more info. For a few years now, I have had an overdraft with HSBC. What i need to know is how much notice would they normally give you if they were going to reduce it or pull the plug on it? I got a letter from them saying they had reviewed it and were going to offer…
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Do i have to sign to request a true copy of the consumer credit Arrangement
Hi, this forum has been really helpful with obtaining template letters to send to my creditors. Last week I sent a request for a true copy of my signed agreement to Capquest who are chasing me on behalf of HFC Bank for £899.80. They sent me a letter back this morning via recorded delivery (along with the £1 postal order)…
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Credit Expert Price
Hi all, any ideas why credit expert is now charging 14.99 a month instead of 5.99? Shoes xx
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Past the final post
Hi All, Well, after a long battle and loads correspondence forwards and backwards to creditors and reference agencies both my credit files are looking good. Experian is glowing green and although I know the CRA Score is to be ignored I couldn't help myself (999 - Excellent :A). Although relatively meaningless it was still…
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I know I've been stupid but please help!
First of all I'm not looking for pity I know I've been incredibly stupid but I really need your help. I won't bore you all with the all details, they are long and many but the long and short of it is I'm 35 year old woman with my own two bed home (approx value £80k, mortgage of £70k and into third year of mortgage). I live…
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for once some good news
For once we had some good news yesterday too! My other halfs workplace hit their targets so he will be receiving a weeks pay as a bonus on the end of this months pay! AND cos he was given a promotion with pay increase too, and he will have also have done about 16 hours overtime, hopefully at the end of this month we could…
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Weekend 5th/6th March - What small DFW things will you be doing this w/e?!
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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Help with a smallish default
Hi, I have just got my credit report and its taken a few knocks... mainly me not appearing on the electoral roll and a default for a bank account that i forgot I had... the rest of the report is lots of green ticks with credit accounts managed in responsible ways for years.... The Electoral roll is easy to fix, but as I…
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CCA's Sent & received - What's the next step?
Hello Peeps! Needs some advise Pppllllleeeeeaaassseeee!!! After getting some very annoying phone calls from certain DCAs i decided to check out my rights online & come across this brilliant site! :j Not to bore you too much but i have had 5 DCAs on my back for a number of years. I did go through a most unless Debt…
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Upsetting comments on another board - but are they right
ok, so we are in debt up to our eyeballs and beyond. Instead of burrying our heads in sand we have done something relatively responsible and are entering a DMP in an effort to get back on track. Our estimated date of repayment is some time in 10 years although I will do my darndest to make sure it doesnt take that long.…
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Frederickson international - Help/advice please.
Hi, i was wondering if anyone could help tell me where i stand really, i cant seem to find anything on the internet regarding this matter etc. here goes, A few weeks ago i had a phone call asking me to confirm my name/address/D.O.B, i told the person on the other end of the phone that i don't hand details like that over to…
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Question for you..
In 1997 I had about 4 store cards (you guessed it, the arcadia group!!) I had about £400 owing which over time grew to over £4,000 in charges/ interest, and got me 2 CCJ's. To this day, people are still chasing me over them every few months even though I have never once acknowledged the debts. I'm not worried about these…
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For the sake of keeping peace?
Long story shortish - My better half and I live in a house converted into a block of flats. The house next to us is also being converted. Some of the people in our house of flats have been having problems with the builders and the developer (IMHO, some of it is really on the petty side but there are some real concerns in…
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Decision time???
Hi all, have followed the forums for a while but only just joined. Bankruptcy or IVA? Bit of a complicated situation, but eager for opinions... The time has come to make a decision, jointly with my fiance, including negative equity in a property which is rented out (£20-£30k), mortgage to rent deficit of £400, Personal…
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Fed up
I'm not normally the person to write random things on the internet, but I am so fed up with being in debt and having no money, I just need to get it off my chest! I have been in debt ever since I was a student, and I have made a very good effort at maintaining it around the £12k mark. My OH is fully aware of it, and is…
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need advice please, in such a mess
Basically i'm in alot of debt from years ago when i was the victim in an abusive relationship. Although i never saw a penny of the money alot of the debts were in my name. I was at the time in good credit and landed a place at uni and got with the wrong guy, he abused me for 6 years in every way possible, it was not until…
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Removing CCJ on Credit Report that is not mine
Hello, I hope this is the correct section I have started this thread in... Well I first noticed a CCJ on my credit report in 10/07/2009 which belonged to my father I got it removed in December 2009 after contacting Northampton County Court & Northumbrian Water after countless letter & emails. It took a while to get it…
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Credit Card Non Payment - 3 Years - bad credit?
Hi, Just wondered if i could get some help and advice about credit cards issues ive had. I had 2 credit cards about 4 years ago, after a year i stopped paying them, bad i know, was just a very difficult few years with money. anyway, ive not been chased for the money, but i am now in a better sitution and want to start…
