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CreditExpert increases to £14.99
Can anybody tell me when CreditExpert membership increased from £6.99 a month to £14.99 a month? I signed in today because I wanted to reactivate my membership for a while, and I was presented with a message saying that renewal is £14.99 a month :eek: This seems to include some identity fraud insurance that I don't want -…
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Orange wrongly passed debt on!!!!! PLEASE HELP!!!
Hi im new to all this and want some advice. I have paid everything on time my whole life, motgage, mobile contracts, utility bills never had finance or loans and now somehow have a debt with BCW collections. Basically what has happened is i was moving over to australia beginning of January, sold my house tied up all…
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payday loans and dmp fears
I have a dmp with payplan for just over 2 years £27000 to pay. I am feeling so desparate as i have fallen into the payday loan trap with over 8 lenders and owe over £4000 on them now - it is just wiping my slary every month rolling them over. I am scared to contact payplan in case they wont deal with me anymore. I feel so…
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how to get a non existant debt to stop chasing me
ok so today i got a letter fomr fredrickson international demanding i pay them x amount within 7 days or they would take legal action. they had been ringing me..but i told them if they did not stop harassing me by phone and text message i would take action against them and refused to confirm or deny anything, they sent a…
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!!!!!!? Just got my credit rating thingy from creditexpert >>
and there's a few things... I recently got a letter from RED saying I owed £800 on a T-mobile (last time I had one was like...6-7 years ago?) which isn't on my credit report? I wasn't sure if I owed this money so sent them a letter asking to provide proof of the debt... Also, it says I'm not on the electoral register at…
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Newbie desperately seeking advice ...
I'm new here, spent the last few hours reading posts and finally plucked up the courage to post myself hoping that someone can offer me advice. I'll try to keep it as short as I can. Money problems started very gradually about 2 years ago when my long-term partner left - I was in a bad way and started to spend just to try…
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How is your banking set up?
A few weeks have passed since my lightbulb moment and I am starting to really enjoy learning about money. One of the things I would like to learn more about is how people set up their banking. I am thinking of having a few different accounts set up at different banks so I don't actually see my money and feel tempted to…
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Rechecked
I have again today checked my credit report only once again to find our mortgage company stating we are 3 months behind with payments.. This is not true and hasn't been for months now.. What do I do please?
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University Accomodation Debt
Hiya, I was at the Uni Of Gloucestershire, in 2008, for about 8 months.... The accommodation's kitchen was moldy, had stains on the wall etc. The noise was unbearable, at all times of the day and night, aggressive messages were left on my door, and when I flushed the toilet other people's excrement came back up my…
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Lloyds Tsb refused to accept DMP for overdrawn bank account.
Ive been on a DMP with Payplan since 1st May and two payments have gone out, most of my creditors have accepted the DMP however Lloyds TSB have rejected it for my personal account which had an agreed overdraft of 1300 but since entering the DMP has notched up another 200 in fees because they have refused to accept the…
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16 year old in £2000 debt
hi, im posting today for a close friend, he used sevral of these sites such as quick quid and wonga.com to borrow a total of £2000 in which you have to be 18 years of age he filled out everything correct apart from his age, making him self two years older, now he hasnt be able to keep up with paying it back and there are…
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Administration order paid off after 18yrs!
I have recently managed to finally pay off my administration order after 18yrs - YAY!!!! :rotfl: I asked the lady at the court what I should do now and she said that they used to issue a 'certificate of satisfation' so I could show that I had paid my debt but that some companies will not recognise the certificate so I…
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Just had to scream and shout
My last rent payment for my current place went out today. Which including bills adds up to about £700. Next month i'll be moving into my new place which (with bills) will cost £390 a month. Also I managed to pay the much smaller deposit on the new place with my wages. So assuming I get my full deposit from the old place…
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Quidco....whats the deal?
Hiya, I followed a link from my egg.com account and signed up for quidco. But I really don't know what I'm doing! Does anyone else use it? And is it really worth bothering with or just another con? Thanks Helen
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Paid my dept off but still getting asked for more
Hi there, Ruthly in 2008 I have paid my dept in full to Carphonewarehouse, reason why I was in dept with them in the 1st place was that they have missold me a contract on o2. Anyway they have closed my account and put me through to a debt collecting company. I have paid it off weekly by paying £10. Eventually I have paid…
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Immediate advice required!
Hi, I need some immediate advice. I recently posted regarding a paypal debt, and the company iQor chasing me for it. I have been happy to pay this debt all along, but am not in the financial situation to pay it all at once. I was recieving 3 phone calls a day from iQor, which I repeatedly left to ring off after my initial…
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A huge leap forwards...
I'm so happy right now, knowing I've taken a massive leap forwards in becoming debt free. Last week I applied for the Barclaycard 19mth 0% Visa card and was approved! Today I received the card and a letter telling me my credit limit of £9900 - Woah. I certainly don't need £9900, but it's a positive feeling knowing that my…
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Interest help - Saver or CC
Hi, After some help working out my best option. I started a First Direct 8% Regular Saver Last Dec, maximum payments of £300pm for 12 months. I think I have July through November payments to make. Total accrued will be £3600 plus the interest which I'm told is about £145. I also have a CC at about 18%. Current balance is…
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Good & bad debt - Is there a difference?
Okay, so I was pondering this today. I have been striving for the past months to be debt free. Keep dipping my toes back into the water when needs must (house renovations) but we are doing pretty well. I was just wondering, do you guys differentiate in your mind between debts which you have that are good and debts that you…
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DMP questions from newbie
Hi, I am a newbie on this board having just had my lbm a few weeks ago, with a total debt of just under 28k between myself and my dh we were managing to just keep up our payments but there was no give at all and anything came up had to go on a credit card, kids are both going to school in shoes that are too small, I…
