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Getting a CCJ set aside?
Hi there I've jumped over from my normal home on the OS boards, so I hope I've landed in the right place. Just checked my credit report and it's showing a CCJ from 2008. The reference is for a car insurance claim where I was found to be at fault (rear end bump), but I think I'm correct in saying the insurance peeps should…
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New to the forum - up debt creek - all advice welcome
Evening all, I am new to the forum *waves* . I sent the following email to Martin explaining my situation ( I went on a bit, sorry for the cut and paste) and a member of the team suggested I join here so here goes. I am a 26 year old single woman that has been in debt most of her adult life. As soon as I turned 18, I was…
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Experian and Equifax - Quick Help Question
Hi, I have just signed up for the Equifax 30-day free trial and also reactivated my dormant Experian account after about 3 years. I have the intention of cancelling both of these within the next few weeks. However, I seem to have been charged a sum of £15.99 from either one or a combination of these sites in the meantime.…
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Who do I complain to?
Hi, I posted a thread a little while ago about how a CFO made a payment agreement with me as I was having financial difficulties and then took 6 times the amount agreed. I have complained to the company and have received unsatisfactory responses - several of which have threatened to call me daily and ask doorstep…
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Help - Received Interim Charging Order
Hi - This is my first post but have been reading on here for a while now. We have received an Interim Charging Order from Eversheds for a CCJ which was allegedly granted at Cardiff CC on 20th January 2011. However we have not received this paperwork so unable to respond. Can anybody advise what we should do next as the…
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Requesting CCA
Hi, Just a quick question I would apreciate someone answering for me. I have 3 defaulted debts with two companies that have been passed to DCA. Ive been paying them off for nearly 6 years and want to make some F&F offers on them. I plan on requesting my CCA so I can negotiate good F&F settlements (if they cant produce the…
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Debt Man Co not paid creditors - What to do?
Hope someone can help as one of my friends has got a bit of a problem and I told I would ask the good people of MSE for some advice as I'm not sure of the best way to go. Basically she has been on a DMP for a little while now. She unfortunately did this without advice and went through Debt Deliverance. She has debts of…
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Child cant get a bank account?? Help
Basically i have just tried to open one of my son`s a bank account and went for the cooperative kids account...but they have refused his application because they say his change of name deed poll isnt legal. This is because on the deed poll my sons first name has been spelt incorrectly missing 1 letter out, and because we…
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here we go
Well have sent off all docs to cccs regards to DMP and letters to my creditors informing them what is happening. i posted a soa on here about 10 days ago .... i have 12k on barclaycard 500 on creation finance credit card 350 on aqua card 1000 on capital 5k on halifax loan 1500 on santander loan so around 20 k but once my…
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SOA after debt - advice welcomed please
thanks to the helpful posters
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slowly
....but surely. I feel like i am finally getting somewhere with paying off my debts. One of my 3 creditors have agreed to my dmp and i havw started making token payments. just wanted to share the news:j
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left shaken and stirred
hey guys just a little something that happend to me today basicly you all know my situation well after a few months of trying to find a job and being rejected even though i have a glowing CV and i am trained very highly i have found out that my old employer who is well connected within my city has been bad mouthing me…
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Thanks to Martin!
Hi all I just want to pitch in with some good news. About 2 1/2 years ago I had just under £25k of unsecured debt on loans and credit cards, I couldn't afford the payments and was getting crushed under interest charges and court threats. Then I read Martin's Money Saving Diet book... I took his advice to heart and trimmed…
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Defaults listed on Equifax
Hi there, How do I check if I have a default on my credit file, is it clearly stated or listed somewhere, I have one entry within the credit aggreements page that lists this Default / Delinquent Balance £ 489 As far as I am aware this was part of a payment plan that I arranged with them but am confused as to whether its…
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Hamilton and Locke
Could I have a bit of advice please for my friend. She signed up with Hamilton and Locke debt company about 2007 and wants to know if she could change companies and go with somel one like payplan. She has recently been getting letters from creditors saying no money has been received from this company. Hamilton and Locke…
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Finally a bit of good news!!
Well after almost 3 years and countless phone calls, Halifax have finally closed my account yay. OK so here's the back story, September 2008 we switch bank accounts to alliance and leicester (so we could get the £100 sign up reward), I bring my Halifax account to a zero balance and tell them over the phone I want to close…
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Equita Bailiffs Advice Needed Urgently
Hi All, Let me explain the situation, my mum fell behind with her council tax over the last few months (we have had financial trouble) and to cut a long story short this has been reffered to Equita Bailiffs. My uncle had a big heart attack last week and had to have a major heart bypass operation and still is not in the…
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making a offer on debt
Hi I was after some advice on some debt that i have. I have about £30000 worth of debt this is mainly on credit cards but is also on unsecured personal loans. It got to the point where i decided to sell my house and start again. my question is should i contact my creditors and make cash offers on the debts, to try and…
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Mum with debt!
Hi there, I had a baby girl 7 months ago and have quite a lot of debt. I have £11,500 left to pay off on my loan and and overdraft of £2000. That's it so it's easy to manage but it's still a lot! All in, my repayments and interest cost me £270 per month. I am still on maternity allowance (govt) but going back to work in 4…
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Interest Rates on variable secured loan
Help Can anyone tell me why the variable interest rate on my secured loan has never changed even though interest rates are low? I took out the loan through bad advice, with Picture Finance , it has now been taken over by Webb Solutions, If its variable should my payments be going down in this current climate would…
