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Should I Get a Loan to Consolidate?
Am not that strong on personal finance and would appreciate a bit of advice. I have two credit cards that total £13k although the interest rates are high and am wanting to clear them. I tore the cards up a while ago and have only minimal credit available but that is good to me as I don't use them! I have a fixed rate loan…
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any advice appreciated?
hi there having got my equifax report, its now showing lots of searches. Having applied and been accepted for a capital one card, its showing as they had searched my file 5 times in the space of 3 days. Is there any way i can get this removed`?
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Voluntary Surrender v Voluntary Termination?
Hi, Is there a difference between 'voluntary surrender' of a hp agreement and 'voluntary termination'? I have a solicitors letter turned up requesting i pay £8054.90, after i voluntary surrendered my car last year. I was told by the finance company that as i had paid over 50% i could hand the car back and owe nothing, now…
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Voluntary Surrender v Volutary Tremination?
Hi, Is there a difference between 'voluntary surrender' of a hp agreement and 'voluntary termination'? I have a solicitors letter turned up requesting i pay £8054.90, after i voluntarily surrendered my car last year. I was advised by the finance company, that as i had paid over 50% back i could give the car back without…
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Optima CCJ and charging order
Hi all, Just wondered if anyone could give me some very last minute advice. I recently received a CCJ from Optima for a credit card debt of over £10000 I applied to the court to ask them to help me set up a manageable amount to pay each month. I have a redetermination hearing on the 27th April. Optima also in the meantime…
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~~ July 2011 Make £10 a day Challenge - All Welcome ~ ~
:hello: Hello to all newbies and regulars and welcome to another £10 a day challenge. This challenge first started in September 2007, so this will be the 45th Month this challenge has been going . So thanks Batgirl for starting it and Purpleroses, JesaRose, Sweetpeas and MizMir,who also keep the thread going. :j I know…
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~~ June 2011 Make £10 a day Challenge - All Welcome ~ ~
:hello: Hello to all newbies and regulars and welcome to another £10 a day challenge. This challenge first started in September 2007, so this will be the 44th Month this challenge has been going . So thanks Batgirl for starting it and Purpleroses, JesaRose, Sweetpeas and MizMir,who also keep the thread going. :j I know…
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~~ May 2011 Make £10 a day Challenge - All Welcome ~ ~
:hello: Hello to all newbies and regulars and welcome to another[ £10 a day challenge. This challenge first started in September 2007, so this will be the 43rd Month this challenge has been going . So thanks Batgirl for starting it and Purpleroses, JesaRose, Sweetpeas and MizMir,who also keep the thread going. :j I know…
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Credit Checks
If I get a credit report to see what state my finances are in do my creditors know that I have done this? Can it open up a can of worms of debt letters? I just want to see if I have any CCJ's as we are trying to move house and all the Letting Agencies have said they will not accept you if you have had a CCJ and you will…
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Help - long story but bear with me - i dont know where else to turn
I am 40 and was married in 1997. In 2005 my husband and I took out a loan in joint names for IVF treatment @ £15k. In the same year we moved house and took out a home improvement loan in joint names @ £15k. My world fell apart when the IVF did not work, but I also found out my husband was having an affair with his…
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Arrow Global Gurnsey
Recieved a letter off Brian Carter Solictors a few days ago saying that if I do not pay within 10 days they will take further action.. but I have no idea who Arrow Global Gurnsey are so im not going to pay the debt if I have no idea who it is Does anyone know who they are? or what Brian Carter are like to deal with?
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Approaching Credit Card companies re lowering APR
Hi Not sure if this is a reasonable way forward or just another hairbrained scheme. My partner and I have several credit cards between us, some frozen at a reasonable APR but we have 5 (not frozen) where the APR is 29.95% :eek:. With these we are finding it near impossible to pay anything but the minimum and that is all…
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MBNA PI Question
Hi , i have just started a DMP with 8 creditors, all bar mbna have accepted, i have spoken to MBNA who inform me that i will be on a PI, they say if i had been able to clear the debt in 5 years then they would have set me on a arrangement and frozen charges and interest, but as i am unable to meet this figure, then my…
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Guarantor chased for debt.
Hiya, I think I know there isn't much we can do, but I'm trying anyway. My family member stood as a guarantor for his daughter when she took out some stuff from Currys a couple of years ago (within 6 years). He didn't intend on doing it but was put on the spot so agreed. He has suffered from financial abuse from this woman…
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Aktiv Kapital , HELP PLS
I received a letter a couple weeks ago from activ kapital saying i owed them around £200.00 GE capital debt. they said if you pay now you only have to pay £120.00. I totally forgot to call them . I cant even remember what the debt is. I received another letter today with 'to avoid a home visit' in the right hand side. Can…
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mortgage
Waiting for the mortgage company to send me the details of where on my income and expenditure form I have four hundred pounds spare. Only thing is they want it back on the 28th and Iv not received it. Iv been told that our dla should be included when filling in the income section but also shown in full as expenditure. This…
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Full & Final Settlement offers
hey i just a few questions, hope someone can help if i offer a Full & Final Settlement and the DCA accepts waht will show on my credit file would it be cleared or would it show it as a part payment also how does the Consumer Credit Agreements enforceability work hope someone knows the answers
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help with credit card debt please
Hi, A little help and advice please. My OH has 3 cards which we are currently paying off. They are not used at all (I don't even have the actual cards!) I have one card at 0% ending in July when it will revert to std rate of 16.9% Capital One, Balance £1339, apr 23.29% MBNA, Balance £2864, 2.5292% per month Lloyds, Balance…
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Really need Advice please
:mad: I' have for the first time ever today looked at my Credit report and found two problems on it, one is from HILLESDEN SECURITIES LIMITED saying i owe £1.400 for hire purchess taken out in 2001, only thing i had on HP back then was car and it was paid up by my PP insurance in full after i got a solicitor involved.…
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Offer to Pay off Cards
Hi First time poster, long time reader. I have just been made redudant from work and after taxs will have a payment of around £4500. For the last several years I have had two credit cards on their Limits 1. Egg Card £5500 - Pyaing Min payment of £145 quid 2. BOS £2000 - paying min of £50 Considering that I have been paying…
