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DRA affecting my credit score.
I have a 'debt' with Halifax - bank charges- that have been transferred to IQOR debt rcovery. I have an arrangement with them to pay £10 a month. I have recently checked my Credit profile and it shows that for the past £13 months this payment has been 'late' which explains why no one would accept my application for a new…
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Robinson Way credit agreement
Hi everyone, I am new to this site but was just wondering if people might be able to give be a bit of advice. Basically I had a credit card with marbles, which was moved over to Robinson Way a number of years ago. I recently decided to request a CCA and the response I got seemed inadequate – basically quite a few of the…
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how do defaults work?
sorry to appear thick but when a default is attached to an account, then 6 years passes, what happens to the account if money is still owed? People say only 1 default per account. What happens after the 6th year? Thanks in advance
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Is this settlement letter ok?
Hi all, I would appreciate some advice/opinions on the following reduced settlement letter. http://i740.photobucket.com/albums/xx49/slightly78/IMG-1.jpg This debt is from a hire car purchase taken out a few years ago with Black Horse.The car was returned and left an outstanding debt of just over £3100.This was then chased…
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credit report question
hiya having got my credit report from experian i have a readycash account (basic) with clydesdale Bank and next to this on my report it says monthly payment £0 over 0 months (i dont really use this account) status history 000000000032 in the last 21 months of account activity the number of status 1-2 is 1 and the number of…
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Letter templates
I have previously seen some links on here to the letter templates used to inform creditors when making token payments. I can't seem to find these links, does anyone know how to find them? Thanks Daz
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Experian £2 Credit Report
Hi everyone, Im wanting to buy the £2 credit report but i cant find the answer to this question. Is the £2 charge a one off? Or will it come out of my account every month? If you can help, thank you :)
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Clearview Finance - DMP
Hi I was contacted by Clearview Finance to start a DMP. has anyone had any experience of this company? Thank you
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Default advice please
Hi, I am not sure if I am in the right area but really hoping for some advice. I have been with payplan for nearly 6 years now for total debts of around £53k, which I have managed to get down to around £40k. The majority of this is with Lloyds through a number of accounts. The smallest lloyds debt is on an overdraft…
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Token Payments
Hi, I have sent two signed for letters to MBNA offering £1 token payments and asking to stop interest/charges as i am in financial difficulty. They didn't reply to the first letter but have now replied. I have already made two £1 payments - it has been about 6 weeks since i first wrote to them. However, all they say is -…
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information?
Hi I've been lurking for a while but first time I have posted. I am moving (in with OH) but doesn't know about the extent my debts and for the time being I want to keep it that way. If I tell my DMP that I have moved do they (have to) inform the creditors? (the current address is family home, they know about debt -…
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Should i clear the lowest or the highest amount first?
Hey need your opinion. I have decided to move some money into any empty credit card. Although not sure which of my card i should transfer. I have one card that is nearly 3000 with 2% monthly interest and another card is 800, 2.65%. I can only transfer 450 which should i clear first. I started with the 800 already. I paid…
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Should I rent or buy kitchen appliances?
Hi there, I'm not sure I'm posting in the correct thread here, so please forgive me if I'm not... I am about to move in to my first rental property alone. It is unfurnished, and has no white goods. I have a decent job and in theory should be able to afford this sort of thing, but the move is an unexpected one (having split…
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Help Needed!!!!
I am losing my mind with worry here. I have taken out a loan with Wonga(I know, I know) and am now struggling to pay it back. It all spiralled out of control and I kept getting new loan after new loan in order to pay essential bills. Now I don't know what to do. I thought about getting a small loan in order to pay Wonga…
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Irish law: Consumer Credit Act 1995
As there are occasional queries raised about Irish credit agreements, I thought it might be helpful to make a brief mention of the Consumer Credit Act 1995 and how it might affect credit agreements in Eire. Until someone troubled to look up the law, the only possible response to forum postings about Irish loans was to say…
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life after Debt Management Plan
Hi there i completed a DMP with payplan in Jan 2011 and now i am wondering how to get some good credit - the reason i ask is that i need to get a new car and i would like to get a house with my husband (living in his house he brought in his name) i was with payplan and when it finished i didnt get any advice what to do…
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Debt with natwest - advice please
Hello everyone Basically, I had a £1050 debt with Natwest due to an overdraft which I hadn't been paying into. I got a text from Triton credit about it, saying I could either call them or go to this RBS worldpay site and set up a payment plan. I did the latter, and I set up a £45 a month plan, but debt agencies are now…
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Red castle/ gothia ltd
My partner has had a letter from this company this morning saying he owes approx £8000 but can pay half now and debt will be finalised. He doesn't owe this money! Our credit files show no such debt and this is the first time we've heard of it. He works abroad so can't chase it up and when I phoned them to say he wouldn't…
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No Response to Full and Final Settlement Offers
I made the first approach of full and final settlements to my main creditors: Lloyds TSB and Barclaycard on the 30th March 2011. I stressed I was looking for a reply within 14 days and that the money I was offering as full and final was timebound. I have still not had any response. My initial offer was 30% which I…
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newbie which bank ??
hi all im a newbie to here but have been mser on other threads for while finally doing something about my debts unable to get oh to do anything yet :0( but sorting out mine at last have taken first steps and contacted cccs before i send a payment offer to creditors i need to open a bank account in my own name and take…
