-
Statute Barred Confusion!
I am in Scotland and am trying to firgure out when the 2 following debts are statute barred but Im getting mixed up. Clydesdale Started: 08/05/2006 Defaulted: 29/02/2008 The credit report shows 8 which means at least 6 payments missed before default was registered. Bank of Scotland Started: 14/09/2006 Defaulted: 15/05/2009…
-
Advice on an old (unpaid CCJ)
Hello, I’ve been a long time lurker here – brilliant forum! I got myself into a lot of debt several years ago with a failed business. I’m almost clear (had to sell house etc.). I recently got my credit report and noticed a CCJ, I genuinely don’t know what it is for – its for around £1200 and I can only assume it was…
-
Need help and advice
I am having issues with my former landlord i posted on another board https://forums.moneysavingexpert.com/discussion/3184630 here please see if you can help
-
My SOA
I've posted my SOA before but no harm having a review every so often, any thoughts? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 1 Monthly Income Details Monthly income…
-
Credit report help.
Ok got my credit report, i had 5 accounts with Barclays back in 2005 and being young and stupid defaulted on them all! All where taken over by Fairfax solicitors. However on my credit report all the barclays defaults say "Settled" Questons. 1 When will theses defaults drop off report? 2 Why are all the fairfax debts NOT on…
-
Free solar panel feedback discussion: HomeSun
-
Please help me with my SOA.....
Hi everyone, Ive been reading some good advice on here and today im wondering how I will be able to pay back my debtors. below is my SOA as you will see i have a shortfall that will start from next month. I have just lost some extra income i was getting from my ex as he was living with me. Now im scared what will happen…
-
Constant phone calls from HFC making me ill...
Hi, We have just set up our DMP with CCCS (first payment May 1st) and for the first time in months I managed to sleep at night. But HFC has refused to accept the offer of payment and is now phoning constantly (I've stopped answering). We receive phone calls at 8am (even on Sundays) and at least 5 or 6 times in the day up…
-
Default v CCJ on Credit Report
Hi All, Unfortunately a few years ago i defaulted on a number of loans due to redundency - im still paying these off. Some of the defaults will be removed off my credit report next year (as they have been on there for 5 years already) but i doubt i will have paid them off by then. Whats happens then with the creditors? Can…
-
Im 19 and really down because of debt!
Hi, Well i dont know where to start. I'm in only small debt to what you read about in papers but its getting me really down and i just need some help and advice of how to deal with the problem. It all started last year, i got kicked out by my mum and step dad and have slowly got more and more in debt. I have a credit card…
-
Wednesday 20 April - What small things will you do 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…
-
IVA Completetion
I've just been informed by my IVA company, that after nearly 6 years of paying, offering them a £30,000 settlement 3 years ago when my house was worth something, that because 1 of my 3 major debtors does not aceppt the final plan that they will fail my IVA unless i pay a lump sum. I'm unable to do this and was unable to…
-
Credit report - missing accounts
Hi, I just checked my credit report for the first time in years with Experian and I was amazed to see what little information there is on there of previous accounts. There are only 3 accounts listed, all that I defaulted on in 2005 and had a payment plan with (I'd actually completely forgotten about these accounts). But my…
-
B uggered
Having contacted CCCS, they suggested that the best way forward is a Debt Relief Order. That was a month ago. Now, looking at my figures, I don't even have enough money coming in to cover my bills, let alone my debts. At least I'm calm and sober :o Any advice would be most appreciated. Will have to do something within the…
-
DMP - good or bad idea?
Hello everyone, I am really keen to hear from people that have gone onto a DMP and how they have found it? I have read so many different stories and versions here that I am still delaying starting my DMP but I do know I need to take action - and soon. :o Mostly I am scared of the CCJ's as I think that would make me feel…
-
Credit Reports...when do they update?
Hello! I'm currently clearing a couple of Halifax loans and an MBNA cc with some money i inherited and i'm in the process of removing an ex partner from my mortgage. My mortgage company have told me that whilst i have any outstanding debt - they will not be able to offer me a single person mortgage - which isn't a problem…
-
The Lending Code
:wave:Hi everyone My Wife and i are soon to go to court with the Halifax Bank Of Scotland. This is concerning what we feel are several breaches of the Lending Code. During December 2009 whilst i was going through a lay off/redundancy situation The Halifax stated that overdraft charges were being increased from £5 per Month…
-
Credit Resource Solutions - "Civil Justice Reforms Act"
Hello My partner's son abruptly moved out a few months ago, leaving no forwarding address. He also left behind a debt for over £1750 with JD Williams. We have had umpteen calls from JD Williams asking to speak to him, and every time they were told he had moved out, and we had no idea where he was. Today my partner received…
-
Credit unions...worth joining!
...Just wanted to say that credit unions can be very helpful to people who need to borrow money from time to time...I've joined one and I pay in £5.00 a week...and then once I've done this for a few weeks (some times you have to wait 13 weeks)...I can borrow up to 3 times the amount that I've saved and only pay very small…
-
Debt letter to Wrong Name(ish) - Correct address
Dear All, Hope you can help! I have received a letter at my address today, correct address, wrong name. They wrote my surname and initials correct, but the name was addressed inside to Samantha, where as I am male. The letter refers to a debt from BarclayCard, I DID have an old debt from them many years ago, however this…
