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using a credit card to improve credit score
Hi, My current credit score is shocking, im in about £12,000 worth of debt, currently trying to sort something out with my husband getting a £7,000 loan to offer full and final settlements and going from there....anyhu, what i was wondering was if i use my credit card for a few bits here and there each month (i have the…
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Quick question RE: Cheques
Hi All Hopeing someone can help me with this query - I have written a cheque to my mum and she is depositing it tomorrow. We both bank with Santander - does anybody how long will it take for the money to leave my account? Thanks Littleluc x
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Activ Kapital
Hi Guys :) Hope you can help. My B/F and I have lived here 6 years. Over the lat 8 months or so AK have been foning him and saying he owes money, sometimes they call 2 times a day. He has no debts at all and has had none in the 7 years we've been together. He cannot recall any debt from years ago either. He has said to…
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How many times can you make a credit card application
Hi Guys In the spirit of trying to get a hold of my finances, I'm trying to balance transfer £2585 from my HSBC credit card (with a userous rate of interest) to a 0% card. I've just tried MBNA and was refused and then tried Virgin and was again refused. Halifax have approved my mortgage with no problems so I'm pretty sure…
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Help with the Bailiffs - any chance of any money back?
Long time reader, first time poster so firstly, a big hi! :) I have read a certain amount about bailiffs on here but can't seem to find something that fits my circumstances so it goes without saying that any help is greatly appreciated. I received a Penalty Charge Notice from Ealing council for parking on a yellow line.…
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Absolutely desperate - please help with good quality advice...
Please help me. I need some good quality advice people!:money: I am a smart, hard working and dynamic individual who slogged it out at Uni for four years to get a great degree and has been working in marketing and PR for eighteen months. My friends are all still students living off alcohol and good times, whilst I have…
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Default's -Should I pay them off?
Hi, I was out of work for around 3 months about 8 months ago and defaulted on a two credit cards. They both had a credit limit of £1000 - this has since been sold off to a 3rd party. I was wondering, I am trying to save up as I am expecting a baby and these guys are wanting £400 a month - will they chase for payment with…
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tax credits
Hello, cant find what forum this belongs in but I am sure someone here will be able to help me. My husband has to take a cut in hours at work of 10 hours per week. All of the tax credit calculators i have tried only tell me what we are getting now based on last years earnings. If I phone tax credit with the new hours and…
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Soa
HI, I would just like to get your feedback on my SOA. I bought a house in 2007 and took out a loan and credit card to get a lot of the work done, it was practically derelict. I also was a little stupid and ignored my credit card statements and pretended I was ok, but now I have woken up and want to attack this debt. I am…
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Equifax report questions?
I've just got my report from Equifax and have noticed in a post from another person that they have a credit score of 999 from Experian. On mine there's no sign of a credit rating like this, can anyone throw any light on this please? Also there are inaccuracies, the report says I am not on the electoral registerm when I am,…
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DMP vs Secured Loan?
Hi, This is my first time posting in this forum so I hope I've got the right one! I was wondering if anyone is able to shed some light on my situation by helping me to understand my options and make an informed decision as to what to do with my mounting debts. So, to throw a figures in: I currently owe something in the…
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Crapquest - request for signature
Hello, I've read most of the stuff about capquest and I'd like to also ask for help with dealing with them. I've got debt to capital 1 which has been passed to capquest to enforce. I do not agree with all the charges that have been put onto my accout therefor I have sent a CCA request and £1 postal order recorded to…
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Vicious debt circle - nowhere to turn!
[FONT="][/FONT]Hello all, I have searched high and low for info on the options available to help me with my debts, but to no avail... thought somebody on here may be able to help! I have outstanding debts on a personal loan (£8000) and credit cards (4 @ £12000). This is totaling approx £20k. The loan isn't so much of…
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CL Finance and credit file
Hi I have a debt that sold approx 2 years ago to CL Finance. Now I have been paying them every month but on my credit file they show the number 6 (as in 6months or more in arrears) even though I am paying them every month. Is this correct? On call credit it shows as DM and equifax just has a red 6. Thanks for any help.
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Incasso LLP taking me to court
Hi Guys, After getting a letter in the post about a debt, I answered the letter stating can I see proof as I honestly didnt believe this was my debt. Long chats with Incasso. They sent me a loan application which clearly doesnt show any payments made to me and I called them again stating this isnt proof please send me the…
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pay day loan help
Hi everyone, Thanks to all who posted. I have getting into trouble with pay day loans and need advice on how to get out of this mess. I know I have no one to blame but myself for this, and I am ready to tackle this problem head on. Any support would be grateful
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Soa
Hi Folks, Finally biting the bullet and accepting my position in regards to Debt. Here is my SOA at present, any advice would be helpful and much appreciated. Income: Salary per month net :£1390 Outgoings Mortgage/Rent : £335 Gas/Electricity : £45.50 Water : £14.50 Council Tax : £52 TV Licence : £6.50 Life/ASU Insurance :…
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OH "owes" money - Long post - sorry!
Apologies for the new ID – I am a regular of MSE but family read so . . it’s kind of a rant but I need some advice (from your perspective) Although it isn’t officially a debt issue you guys would more than likely be the best people to answer me. – EDIT: I realise it’s a weird situation – the whole “owes” bit but I hope you…
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HELP!! Advantis Credit & Bad Tenant
Hello, I hope someone may be able to offer me some advice! I recently recieved a letter from Advantis Credit stating that I had to contact them concerning a 'Business Need' relating to a home i rented around 5 years ago! I contacted them and the confirmed that BT were chasing me for £400! Never having been in any debt I…
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Aktiv Kapital
Hi, i received a letter a couple of months ago from Aktiv Kapital saying i owed them around £120 and if i paid today they would offer a discount, i cant remember how much the discount was as i ignored the letter as i know i dont owe them anything. Anyway i applied for a credit card and got rejected, it confused me as i…
