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I dont know where it started, but it has to end now SOA..Please help
I really really need to get some help, our situation is dire, and Im scared for our and our sons future if we do not get a grip on our finances, and sort it out. Oh and I have got ourselves into a huge pile of (money) trouble. It has come to the point where we have barely any money left, and we are struggling to put petrol…
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Defaults on credit reports
Hi, just wondering if anyone can tell me what happens when defaulted accts are paid? I've recently got my credit reports from experian & equifax & there are 4 defaults registered by dca's for mobile contracts, all around £120. One of the co's has written offering 50% reduction as a F&F offer. I'm keen to pay that so have…
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best tip for sticking to a budget please(sorry long)
I have had a proper LBM this weekend,not a dull flickering 40watt effort like in january but a full beam 100 watt bulb opening my eyes to tackling this situation. Our debt is no way massive, £600 on capitol one card with a £500 limit:mad: and £260 on a catalogue,payments up to date. Although these figures seem paltry and…
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contact details for Capquest
Does anyone have postal details for Crapquest please? I need to send a stop phoning letter to them again. 29 calls on Friday was the last straw. OFCOM here I come
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Debt advice help required....
Hi all, When I was younger I was a little stupid and naive with money. This ended up with me somewhat paniking and getting an account with Baines and Ernst, I am paying what I can afford to them £115 per month in order to clear my debt however I feel annoyed that they take £30 a month and an extra £75 for one month every…
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Barclaycard debt & HFO services.
In June 2005 I had a barclaycard with a limit of £200. I failed to keep up the repayments and moved home too. Today I have received a letter stating "72 hour litigation notice" from HFO services saying that I owe £1200 and if I do not contact them to repay within the 72 hours, they will be pursuing it through their…
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DMP and credit report help ??
I have a debt management plan with Harrington Brooks and ive been looking to try and pay it off , i have rang them several times for a final balance on my account and they have never sent it. I have just done a credit report online and its looks like I own £1250 left - wohoo!! so i rang harrington up for contact details…
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Do i have to pay?
Hi not sure where to post this. I was involved in a car accident in 2003 where i was at falt, ive never heard nothing about it until today 7 and a half years later where ive just recieved a bill for £5500 for injurys the man recieved and loss of earnings. But it was a long time ago. Do i have a leg to stand on is my…
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Lowell - How to pay without phone contact?
I've got just 2 payments left to make with Lowell, this month will just be a token payment and then the balance cleared at the end of April. I've just changed my bankcard so will need to contact them to make these payments. Does anyone know if there is a way I can pay without phoning them? Am I able to directly transfer…
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Monday 28th 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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Northern Rock
Just to keep this separate from my other post, I am going through a mortgage rescue at present. Our mortgage was with Northern Rock and we defaulted when my ex became unemployed and I became seriously ill and could no longer work. They have refused to stop interest, despite neither of us being in a position to be able to…
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Work in progress to sorting my life out
Hi everyone This is just a quick one for now to try and get a few figures down on here. I am coming through a divorce and midway through a mortgage rescue so if some of my figures don't make sense it's mainly due to that. However, I am in a real pickle and want to try and get out of it ASAP and get my life back on track.…
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joint loan worries after splitting with my ex husband
hi im recentley divorced ex got house but still in my name aswell also we have a joint loan but admit i stopped paying my half once we split 2 years ago ive never recieved child maintance towards our child over the past 2 years however he is now paying towards her and has now stopped paying the loan im on benefits and is…
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Bank debts?
Over 11 years ago I had debts with a major bank on a current account. Obviously the debt built up because of bank charges etc until the bank eventually stopped adding charges and tried chasing payment. Not heard anything from them in years, I have moved around several times, but I have never hidden my address (electoral…
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Red/Lowell repayment offers
Hi guys, I have been receiving letters from Red (aka Lowell) regarding an outstanding account for a credit card (appx £1500) which I had over 11 years ago. Basically they have been making several repayments offers, the latest being 85% discount for a one off lump payment. Is this legal and would it be advisable to make the…
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full & final settlement/Credit file questions?
Hi, I owe roughly £10k to 10 creditors and am in a position finally to pay them off. I can raise up to get 8k to pay off the debts and was wondering what advice you would give me in terms of full & final settlements to offfer? Obviously the less i can pay is better as the money will be borrowed from my parents and paid…
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Credit Card Help (SOA included)!!
Hi Both my Mum and I have been lurking on this forum for a while and been using all the advice to cut our monthly expenditure as much as possible. However we are having trouble at the moment with credit cards and are unsure what the best thing is to do. The biggest problem is the Virgin credit card as in April the 0%…
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PO Box Address for creditors??
Hi everyone, I have just written out my letters to my creditors and the addresses given for 3 of them is for a PO Box. Can I still send them recorded delivery? Do you think i've got the wrong addresses? Thank you in advance!! x
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Sticking to you budget!
Hi, I haven't posted here for a long time, first posted on the banckruptcy board things were that bad!!! Luckily in the past few months things have changed for the better, finally got rid of 2 debts, I'm now left with 2! I've also manged to find a part-time job which is a great relief. I've done all the right things,…
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CCJ - Query about the date its removed
Name: XXXXXXXX Address: XXXXXXXXXXXXXX Information type: Satisfied Judgment Date: 31/03/2006 Court: NORTHAMPTON COUNTY COURT Case number: XXXXXXXXXX Amount: £211 Information Source: Registry Trust Ltd Satisfaction date: 16 March 2007 I know I may get shouted at, as I’m sure there are a million threads about this including…
