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Understanding my rating
I recently got my credit report and I am trying to understand which parts of it are the cause of my low score. My score is currently 573 which is not very good and I want to improve it. However the only negative marks I can see on it are. A money laundering search by pay-pal when I was selling some goods on eBay. And also…
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Payday Express Nightmare
Sorry if this is the wrong forum - please feel free to move it if it is. I took out a series of Payday Express loans about a year ago and to cut a long story short, I defaulted on it, cancelled my debit card and closed my bank account. I opened another account with a completely different bank and have had my salary paid…
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DMP Creditor letter
I am in a DMP with payplan and today I have received a leter from Next they are included in my plan but they have sent me a new credit agreement to sign and also say i need to siign the bottom of the letter to say that I accept their terms and conditions I've been in my plan for 12 months and haven't had this before, does…
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credit score for free?
I have logged onto credit expert in the past so would have to join for £14.99 a month to look at my credit score, don't want to do that it's a lot of money Are there anyother sites where you can go and check your credit score without the fee thanks Jo
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No response from some creditors for payment plan
I had previously posted as I was relieved that I was dealing with my debt but now I am not quite sure what to do - I have sent letters to my creditors with a payment plan, my circumstances have changed quite severely for the worse but this should only be a short term (8 month max) situation and I would hope to be able to…
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Arrangement to pay on Equifax report (Lloyds CC)
Back in January, for the first time in 9 years I made a late payment on my credit card. When I called up, I complained that I was not making any inroads into the debt because the interest was so high, and the advisor suggested a 'credit agreement'. After going through income and expenditure, and demonstrating there was no…
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Best way to sort out my finanical situation?
Hi, I'm currently unemployed and with quite a bit of debt, the monthly payments are killing me and what's more the interest I'm paying means I rarely make any progress on paying any of these off. So I currently have: A credit card that is maxed out at £2,700 An overdraft maxed out at £1,500 A loan for around £880 A second…
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Soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 300 Partners monthly income after tax....... 1600…
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Stuck in Overdraft, need advice!!
Hi My names Ryan, I am a freelance video director. I have spent the last 6 years being battered by my bank with regards to overdraft fees and credit cards. I have recently managed to re-pay my credit card by going on a credit card management scheme, although it took my two years to pay off. I would like to get my debt down…
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What exactly does the ignore button do?
Don't flame me, I know what "to ignore" means, but in terms of this forum what happens? There is one particular tube that I've no wish to hear from (no names!). If I press ignore does it mean I don't get pms; that they can't post on my thread or what? I figure ignore is much better than entering into playground argy-bargy…
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Mbna
I wrote to MBNA recently asking them to suspend interest and offering token payments whilst I am unemployed. They have written back asking me to provide details of either an alternate contact or an appointed representative so that they can action this request, with the usual suggestion that I call them to discuss. As I…
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Getting ALL Data from CIFAS
Hi, I'd be most grateful for some help. The CIFAS website "How can I find out if there is CIFAS or other data registered in my name" is a bit unclear. go CIFAS website and then add slash followed by "find_out_if_cifas_other_data_registered" It lists three contact points: 1) Get a copy of your Experian/Equifax/CallCredit…
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Letter of Debt Recovery from CapQuest.
Hi, just had a letter from CapQuest Investments Ltd telling me that in 2008 a judgement was made against me. A claim was issued for £299.99, but they want me to write the debt off at £250 now. Obviously, they have traced me at my new address. I can't remember what this was about in 2008. They might have sent letters to my…
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I don't remember this??!!
Hi, just received a letter today saying that I owe £549.47 to Three for a mobile phone contract I took out on 22/02/2007. I don't remember doing this, but I have had a Three contract for years and years and just continued it when it has ran out I don't think I have taken another one out to replace one. This sum is £108.58…
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Weekend 9th/10th April - What small DFW things will you be doing this weekend???!
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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Another debt free wannabe (long first post sorry)
Hi all. Well I have come on here for some advice but it isnt for me. Im sort of acting on my mums behalf. Bit of background: She's an alcoholic who has stopped a few times but always ends up starting again so this time I've said sort debts before drink then it gives her one less of a reason. She doesnt work as she is…
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Quick question (and also a not-so-quick one!)
The quick question: I know that credit accounts automatically ‘drop off’ your file 6 years after they were settled/closed, but can a lender choose to delete the account from your file earlier if they want to? Or does Data Protection legislation prevent them from doing this? Now the long version! I have recently had a…
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Clearing Overdrafts!
Hi, I'm new here and have decided I need to get on top of my current debt. I didn't really live within my means whilst at university and have accrued debt through overdrafts. One of which is a £1,250 overdraft with Natwest and is due drop from £1000 to £500 interest free until next summer. I also have two overdrafts with…
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Capital One Debt - Passed to DCA
hey guys bit of a shot in the dark but I need some advice.... I ran up a debt with Capital One which I have subsequently not been able to pay, this was passed to Debitas last year along with a notice of default, I wrote to them several times offering a repayment plan (having read that I should try and avoid dealing with…
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Make £5k in 12 weeks? who is up for a game?
Hi....I've not been on here for a very long time...some of you may remember me from threads such as 'The Frugals' and 'The return of the Frugals' I need some moral supports and some competitors. The name of the game is 'ebay doubler' You start with £1, £5 or £10 but no more than that... you buy 'stock' to the value of what…
