-
Debts on credit file
I am currently trying to get details of everyone we owe money to so I can sort out our dmp. I have looked online at our credit files and I knew my husband had a ccj which I need to arrange to pay. How do I go about this? Also, there is a debt which we dont know what it is. I thought it was the current account he had but…
-
RE Credit scoring
I have 360 points and 1 satisfied CCJ. Things I have:* 1 credit card from Capital One that I can use * Registered with Electrol Roll * No Debts and will not be in any Whats the best way to get my credit score up to Fair again the quickest possible way?
-
Can Someone Give Me Some Constructive Guidance Regarding My Increasing Debt?
Hi guys, I figured this was the best place to come regarding my debts which are beginning to mount up.. I am beginning to get worried because I have been stuck in my overdraft which is 3,700 for the past 4 years. Infact, I use around 3,650 of that overdraft each month. I have never considered taking charge of this until a…
-
paypal/iqor
I have a debt with paypal that I set up a payment plan with them for 80 a month. I've been paying it without fail then today I come home to a letter from Iqor debt collectors saying they've been instructed by paypal to collect the debt. How can this be? What should I do?
-
Where do I start?!!
I am trying to help my father who is currently in debt. He has around 20k of credit card debt as well as arrears to HMRC and a small mortgage. My questions as only concerning the credit cards at the mo. My father moved abroad last year to care for his mother who had suffered a stroke. Rental income from a property here was…
-
Partial Data Sharing rules and default?
Hi OH has cc debt which due to health problems we are unable to pay the full payments each month. Have never missed or had a late payment in 30 years, did letter explaining that we wanted to try to sort something out to pay off debt could they freeze interest and charges etc. Last payment was due about three weeks ago and…
-
Bank Account Charges
Hi I am new to this website so don’t know if I have put this in the correct place, but I need some help with an old Bank Account. Over 3 years ago over £700.00 pounds was stolen from our account. This was from an account that we did not used at the time, however I needed to pay a cheque into it and from midnight when the…
-
SOA advice
Hi. I've been loitering around here for ages and finally bit the bullet and been brave enough to post my SOA_pale_ The reason for doing this is that my husband and I have recently got a joint bank account to help clear his (massive) overdraft. In the past I've earned my wage, he's earned his and we've both put an equal…
-
equoty bailiffs for council tax?
I received a letter from the bailiffs in regards to council tax i supposedly owe the thing is I pay my council tax every month and i have been married for 4 years now but the debt is in relation to my maiden name now i have emailed council tried calling them but they arent willing to help me ive also tried to speak to my…
-
debt collector invasion.
I have a debt with capital one £1004.02. After a dramatic change in my circumstances the c.a.b advised me and set help up a low repayment plan. This was a standing order of £2 per week. Payments stopped in 2008,i cant remember why,foolishly. Ive tried to call (around the time) capital one to reset payments but they said i…
-
E-ON inform me of DCA involvement
Hello, I'm pretty new to all this debt talk and after an hour searching on the forums I couldn't find any answers, so here's a brand new post. I'm currently in debt on my Energy account with E-ON and they've written to inform me that if it's not paid in full by the 4th April 2011, they will instruct their Debt Collection…
-
Help with SOA. What to do next?
Hi there, Can anyone help me with this mess? I'm so confused what to do about this? Our interest rates (Lloyds) and minimum payments (Virgin) have recently increased so we are now clearing very little of the debt each month. I can't ever see a way out of this! :( Do you think we should start a DMP or IVA? Thanks in advance…
-
What to do? Please help x
Hello, Please help. My husband and I owe money and we just don't know which way to turn. We have the following debts: £4800 on an overdraft £1800 on credit cards £97 invoice to be paid We have a mortgage on our property but it is in negative equity to the value of -£10,000. We are up to date on all payments so have no…
-
Urgent rbs debt collector at my door!!!!
Help! an RBS debt collector is at my door!! I told him I would be happy to speak to RBS via phone but not him in person. He asked to confirm what the phone details were, but I said RBS had them. Now he is sitting in his car outside What should I do?!!
-
DWP chasing an old debt
Basically I agreed I owed an overpayment in Income Support back in 1999 I disputed the amount and it went to a Tribunial, I recieved a letter from them in Dec 1999 stating that they allowed my appeal, and they would recalculate the amounts. It stated that they would contact me and they never did. Until today demanding a…
-
My son's debt.
What advice would you give me...my son ran up a debt of around 2,000..after he left home, approximately 18 months ago, but must have given my home number as a contact number....At the end of last year and the beginning of this year (he was not living here then) I was constantly being contacted by recorded messages from a…
-
What does this credit file alert mean?
So I got an email this morning from Credit Expert (I currently pay for the access as I want to know when my finances get sorted - really must cancel it soon though!) saying there had been a search on my file. Every other time I've known what it was for but this one says: 'Change in the payment history of your account with…
-
help - Mackenzie Hall
My husband has just had a letter through from Mckenzie Hall saying its of a personal matter. As he is in the army, I rang to see what it was about. I was greeted by a rude little madam who wouldn't tell me anything apart from I had to pay up - when I asked what for, she wouldnt say apart from the debt was from march 22nd…
-
Partial Settlement, is it worth it?
Sorry for yet another question :o I am hoping to pay off a small debt and got the letter today saying "offer of xx accepted, in partial settlement of the outstanding balance" Not sure how to word this - if it will show as partially settled is it good for your credit report or because it is only "partial" is it not much…
-
Can PD Loans take money..
Hi All, I'm in a DMP and one of mycreditors are a PD loan company. They are aware that I am in a DMP and have agreed with a settlement payment each month. I have just checked my bank this morning, (I currently have a payment plan in place at the mintue with my bank to pay off my £500 debt with them) and again a P.D loan…
