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finding deals on mortgage whilst on dmp with a notice of correction
long title but here goes!! my mortgage runs out the end of next year and i have joined a dmp, previous to that i checked my experian rating, which was good. but i have since had few late payments and threats to have defaults put on a few of my debts. i notified experian that i was on DMP and they have put a Notice of…
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DMP and early retirement
Hi About 15 months ago I entered into a DMP as my unsecured debts had spiralled out of control and my income had reduced due to pay cuts and bonus freezes. I am currently managing the monthly payments and keeping my priority debts up to date but the DMP has about another 10 years to run. I have now got the option to take…
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How bad is a default?
How bad is a default on your credit rating - i've got an account with shop direct and have defaulted a few times? My husband went to the ban last night to see abut a new mortgage and out credit rating was a C and 6 months ago was an A so he's not happy. I also had a ccj on there but it had all been paid so have had it de…
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Aktiv Kapital trying it on
Aktiv Kapital wrote to OH last month claiming he owes £1500 to Barclaycard / Littlewoods. The letter gave no dates for the debt so we weren't sure what it related to. I have seen from the very long thread on this board about AK that they are complete con artists. OH did have a Littlewoods debt years ago, but the account…
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Literally Worried Sick Over Philips Notice Of Distress Warrant!
Hi everyone, Hopefully someone can help me with this as it's really upsetting me. My boyfriend and i got back yesterday after being away for 3 days and found 2 letters for him from 'Philips'. They say they have been instructed by someone called North East London after a non-payment of a magistrates court fee and have sent…
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2 down, 1 to go...
Only something small, but wanted to share, seeing as I always read everyone else's results... After what feels like 5 years, I have finally paid off in full my MINT card (£1500) and my Nationwide overdraft (£1700). I have paid off the MINT card before, but made the mistake of using it again. I've now got 1 card to go, MBNA…
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Back Up Plan
My debt free plan is all based around me living with my OH. Although I know I can afford the flat and living expenses I bought when we first met alone (it's all in my name it's MY flat) it does make me think how is handle my finances and debt and our joint financial commitments if we were to split - I definately would need…
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Just some thoughts
Wow, there seems to be so many people on here these days, it's quite frightening really and might get worse - who am I kidding? Might? I've fallen ill today and not gone to work - I think it is largely down to stress and worry, I'm sure these two things reduce our ability to stay healthy. There are times I can worry for…
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TalkTalk
Hi, need some advice please I has a talk talk account (telephone and broadband) until november last year when I switched to another provider. When I called talktalk to cancel, I requested a final bill and cancelled my direct debit via my bank. I've never received a final bill but have now received a letter from a debt…
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Should we sell house and rent to pay debts
hi we have been struggling for over a year now to meet all our payments, we are in debt so much that we have no money left over at the end of the month and sometimes are borrowing of my parents to even meet payments, we have 3 youngish children and can never take them anywhere, we owe about 156k on our mortgage and if we…
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Incorrect Information from Egg on Credit report
I completed my IVA last year and all the default records and the IVA have come off..... bar one loan from Egg(which was part of the IVA). Experian have contacted egg but they havent had a reply yet(16 days on). Does anyone have a good email address or telephone number for Egg I can use..... customer services were no help…
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buchanan clark & wells
hi i recieved a debt recoverly letter from these guys to do with lowell portfolio and claims of oweing them £800. I found the letter off this site claiming no knowlegde of it and sent a postal order asking for proof or orginal agreement. after 3 days buchanan has replied, sending me back my postal order and stating they…
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What is an Affidavit?!
Hello everyone apologies if this is not in the correct place :o As said above I am just wondering what an Affidavit Fee is? I have a mortgage with Northern Rock/ NRAM(?????) in which I am several months in arrears, (some people may remember I have posted previously regarding being repossesed and a possible Mortgage Rescue)…
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Cabot- Telephone question
Good Morning A few weeks ago I sent the telephone stop letter to Cabot. The calls have since stopped. all good. They wrote to me yesterday in the most condescending tones possible, saying that they will not ring me for 28 days, if in that time ihave not complied with thier request ot fill in a budget form and payment plan…
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cabot credit file
Hi could anyone help me, i have a debt from four years ago from a prevouis address, recently cabot have put it on my credit file, on my present address, are they allowed to do this. I have rang them and they say they can..........
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DCA chasing fraudulent loan
Hi, To cut a long story short, Mrs ITguy took out a loan with FirstPlus, forging my signature on the application, security, and witness documents. After a bit of legal to-ing and fro-ing, they made her bankrupt (possibly unlawfully, as it was a 'secured' loan) and went quiet. They've now enrolled Credit Solutions Ltd to…
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Disputing college fees... Help/advice sought please
Hi, first of all I am new to this forum but have been reading through the forums for a long time. I need help on the following matter: I attended a college course for a very short time a few years ago, after a couple of months of the course, I decided it wasn't for me and left. a few years later and I recieve a letter from…
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message left from graham white
Hey all, I just checked my 1571 and had a message left for my other half, the guy couldn't even say my OH's surname :rotfl: He said he was clling from Graham White solicitors about "an urgent personal matter" and that OH needs to call him back asap. I googled the number and got a load of results that sayy it's a fraudulent…
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Friday 4th 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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DCA Letter for unlisted account
Hi I've been reading all the great stuff on the site and knew I would get a helpful answer to my question. I have received a letter from Lowell Portfolio regarding an account which in all fairness I know belongs to me asking that I pay. The account was for a mobile phone contract, (I was young and thought it didn't matter…
