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advice
I have some debts and recent circumstances have changed, I was paying them off at normal rate quite manageably. However I think I may be in a situation where I need to ask for help. I currently have a car that I would really like to keep, I got this on finance and I am happy to pay this at the rate I agreed too, the car is…
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Rebuilding Credit Report for a mortgage
I dont have alot of knowledge or experience with mortgages so thought Id ask you lovely people :) My brother is hoping to get a mortgage and Im trying to help him sort out his credit file and build it up. He has defaults on his credit which are due to all drop off by November of this year, one of which he didnt pay but…
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Advice on debts needed please
Hi, Myself and my husband have some old debts from a few years ago. We had a payment plan arranged by the CAB and were paying them off very slowly. However my husband got sick and we moved house a bit and haven paid anything towards any of the debts for about 3.5 years. Now we have settled in a house and my husband is…
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Egg loan now marked as settled?
do settled defaults make it easier for you to obtain credit?
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credit card monthly payment
Please can someone help me and give some advice, I am curently on a Debt Managment plan and one of my credit cards have not acepted my payment offer for a year now. I am paying them 7.00 a month but they are adding about 12.00 of intrest a month and I am not getting anywhere with them. I really dont know what to do as I…
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Identify theft (please move if in wrong place)
Hi All I wonder if someone can help I have been awaya couple of days and come back to a letter from Isme (part of shop direct) asking me to contact them asap as someone has set up a facility with them and they believe it to be someone inpersonating me ...It is I neither want nor intend in the future to want credit Question…
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Please help with advice on old debts
Hello folks, Previously I built up some debts on credit cards, a car and kitchen refurb. I moved from my previous address about 4 years ago and have only a few weeks ago opened a new bank account at this current address. I was hoping to build up some decent credit history with a view to obtaining a joint mortgage in about…
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HELP...one step forward three steps back
OMG! WHat on earth am I going to do? I was just getting somewhere but tax credits have now dropped by £250 per month and so am now short for my outgoings. HELP!!! I was just making ends meet, covering all outgoings off my wage and tax credits plus making up the shortfall (about £100 per month) by tutoring and mystery shops…
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Checking credit score??
Does it hurt to check my OWN credit score on a regular Basis? Also do employment companies use this score when they check your credit ratings, or do they manually check it? Could my credit report be ammended as I have a CCJ and it was put there in error due to several reasons and I didnt defend against it in the timeframe,…
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Debt & savings; pay it off?
Last year I had 90% of my savings with an investment company I had them with. The remaining 10% I had in Gold. In addition to this I borrowed another 12% from Zopa to add to the investment. (mistake!) Unfortunately the 90% savings got frozen by the FSA in an investigation into the company. So while on paper to the tax man…
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Not sure what to do?
Hi I am after some help and was wondering if some of you lovely people could help me. I got into a bit of debt through no fault but my own spending too much then I just stopped paying when things got too much stupid yes I know. I moved about 3 years ago without telling the people I owed money too where I went so as you can…
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HELP! Thought I was getting somewhere....
HI Guys, This is more of a moan than a question because unfortunately I think the answer is that I can't do anything. For the last 15 months my hubby hasn't been working, partly due to illness partly due to the fact that our business is not working anymore. We have been managing on my wage and being able to pay slightly…
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Default removal?
Hi, Hubby asked bank for a loan yesterday, as his current loan with them ends soon, and he has been looking to extend it, anyway he was refused. We checked his credit report on credit expert, and there is default on there from Clydesdale finance. This is from his car loan,but in January 2010 the car was written off, the…
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Why does the washingmachine die when you start to get a grip on your finances?
I am sure that somewhere on these boards this topic is covered. But thanks to all you MSE people i know the washing machine problem is bad budgeting!!!! But ... Is it psychological that everything seems to conspire to drag you off track?:eek: Conspiracy or enemy action? Given how literate and witty everone on here seems to…
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Nursery trying to claim I have not paid
Last year my daughter finished at her nursery to go in to full time education. When she left I had £450 to pay off. I requested that the nursery sent me a final bill which I could then take care of and then close my account. I paid this by bank transfer and I heard nothing else. On Friday I got a letter from her solicitor…
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defaults RBS and CCCS
Hi all 2 questions that are quite different any thoughts greatly appreciated. 1.I checked my equifax credit file as i had an email alert on it. It says my loan with RBS has been defaulted. I have not received a notice of default letter,do i give them a call regarding this or keep quiet?? 2. - I am with the CCCS and have…
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Help/Advice needed
Ok so I am in a small amount of debt, I had to leave my job in February to take care of my dad as he was seriuosly ill and then my boyfriend hasn't really had much work from the agency he is with as there just isn't any work, we have sold sold sold on ebay and managed to get by the past few months but I haven't been able…
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Removing Default Notices
Hi, I'd really appreciate any advice anyone can give me; I defaulted on two credit cards in 2007 (I was an unemployed single parent and carer at the time, but have since managed to find a job) and I managed to raise enough money to pay them off -but not in full, so they are marked as 'satisfied' but still showing on my…
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Another HFO Services thread..
I got a letter from these clowns yesterday about a Barclaycard debt of 1172.75. Now Im fairly sure this account is very close to being statute barred, it was opened in early June 2005 and as far as I remember the only payment was made in July 2005. However I had a mini breakdown in 2006 and basically have very little…
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Can any one help with a final settlement
Hi I am new to this forum and wonder if anyone can give me advice on settling my debts I am with CCS on a debt management plan which has been in action for four years I currently pay £645 per month on a outstanding balance of £8500 when I started with CCS the balance was £34,000 I am now in a position to offer a final…
