-
Positive result from Equifax
Had a outstanding debt with the Next Directory back in 2009. After a few months of going into default a door step collector was sent who took the payment. Some 6 months later, Next sold the debts onto another collector. I had no longer kept my reciept from doorstep collector and the collector had no record of the debt…
-
Creditexpert.co.uk
Just a quick warning to anyone tempted to try creditexpert.co.uk 'Free' 30 days Trial. I tried to do a 30 day trial with credit followed the online instructions...done. Cancelled it a few days later via the telephone as per their policy, I managed to reject all the retention agents attempt to get me to change my mind and…
-
BCW Won't Negotiate Monthly Payments
I'm wondering if someone can help me. BCW are chasing me for a legitimate debt to Eon for just under £400. They want it paid off in 3 months at a rate of about £130 a month, which is more than I can afford. On the phone they said that they wanted a break down of my monthly finances. I felt that this was a private matter…
-
Please help, they won't accept anything
Hi I have not been on here for a while. I had a DMP with CCCS which was going well. My husband arranged a secured loan on our property (which has a lot of equity) to try and pay off some of my debt and clear something of his. Due to this CCCS would not act for me anymore and my DMP was cancelled. I took this over myself…
-
Advice re Loan being referred to DCA
Hi, Just looking for a bit of advice. I have been on a DMP a couple of times but managed to get rid of CC debt and get back in to work last November. I then had one loan left but due to being behind on the service charges for my flat ended up missing a payment in February/March. Then this month (June) no payment was taken…
-
help :(
Hi im new to this whole forum thing, but im in desperate need of some help. My fiance is in 10 thousand pounds worth of debt, 6000 of this is a credit card which he is paying over 100 pound a month this is just the interest payment, therefore 200 pounds a month is going on the credit card alone, we have tried to get…
-
Help please-confused
We have recently sold our home and are going into rented so that we can become debt free. we will have a lump sum to pay off the debt, we will only have about £25000 but the debt is £37000 am I able to offer full and finals:question::question: if I have never defaulted on the loans. Any help greatly recieved.xx
-
Expert Credit by Experian - PLEASE BY ALL COSTS AVOID 30 DAYS WAS NOT FREE!
Hi There, I hope you're all well. I thought I would share this with you as it was quite interesting. I went onto Expert Credit by Experian last week (Thursday to be exact) and tried to sign up for the 30 day FREE service for free credit report checks for 30 days, thereafter it would cost a normal price of £14.99. So fair…
-
Debt consolidation - Getting rid of my cards
I've got the following debt: £4000 with Egg at 19% APR £4900 with Bank of Scotland 0% for 12 months (Starting this month). £2000 overdraft with LloydsTSB Generated the debt around 5 years ago when I was young and stupid, now I've grown up (27) and I'm sick of having this debt hanging over me. I earn about £32,500 a year,…
-
silly question - what to pay off first?
I have a spare £43 this month and I want to put it to my debt but i am not sure what to pay it off to first... my credit card and store card have the extact same apr - my CC has a £1270 balance and my store card £374.... I am torn between the two - i think my credit card as it will save me the most in interest in the long…
-
Help & Advice Please Old Debt Vodafone
Hi All, here is my first post On monday recieved a out the blue letter from tocatto collection agency offering full and final settlement on behalf of the Lowell Group (vodafone). I was due vodafone £426 for old phone bills which i defaulted on in 2007. I have never paid anything towards this. I dug out all my old paper…
-
never rains
I thought I had everything almost sorted and then I get a letter from Moon Beever Solicitors asking me for £5,620 for an unsecured loan I had from moneyline a council lending office which has since closed down and gone into liquidation after the council workers including councellors mislaid £80K out of the coffers.... so…
-
Advice about credit cards please.
I have 2 credit cards, Barclaycard on which I owe £3,593 (apr 15.9% and available credit £8,406) and Capital One on which I owe £ 2,913. (apr 15.8% and available credit £2086 ). I don't have an overdraft. I haven't used these cards for years and am paying them off at a bit more than the minimum payment each month - varying…
-
one credit card problem (dmp?)
Hi all ill try and keep it brief , both myself and wife have run up a lot of debit on credit cards, all are manageable apart from one - MBNA currently around 18k on it and with new minimum payment charges this card is 575 pm ,its 3-400 more than we can afford so im in a vicious cycle of spending on another cc and it needs…
-
Help tracing someone
Hi All, Fingers crossed someone may be able to help me. My partner's mother and her ex husband took out a loan of 14k for a loft conversion. Her ex had a gambling problem and spent the money without her knowledge which subsequently led to them splitting up. Anyway to get to the point, now she is paying back the loan…
-
Worried about family member debt don't know how to help
Hi I was wondering if somone could help. My mum is in an awful lot of debt and I dont know how to help her. She has just over £30000 in credit cards and unsecured loans. When she finally told me last month we sat down and worked out all her expenses and how much she would have to pay off the debts and then whats left to…
-
Now starting a DMP
Hi, we are about to go into a DMP and have a few questions. Q1. Can we open a basic savings account in order to safeguard things like money included in the plan for car tax etc. Q2. We are both in the lower tax band of 20%, which I can work out, however NI is the one I am confused with. Is it calculated pre tax or post tax
-
I am soo bad with money :(
Hi guys Just wondered if anyone had any tips on how to be good with money if that makes sense :o Basically I am on a low income at the moment £170 per week & CB of £30. We also get HB & CT Ben at the moment We get paid on a Sat and yet by Monday I have no money & no shopping and no idea where its gone :eek: We dont go out,…
-
Divorced in the worst possible way
Hi all, I hope you can read and help. My partner has been put in a horrible position and any well structured advice would be incredibly helpful. The situation: After the official divorce it was required (by the court) that the family house she lives in, has to be sold. This is because her ex-husband owes his Lawyers so…
-
Question re. credit for my partner and me and mortgages etc...
Hey all! Ok, so, I have a few questions about credit, bad credit, new credit etc... I'll try to make sense of it all as I go along! 1. ME - In the past I managed to run up a nice long list of debt, I can't remember how much exactly, but about £10-15,000, most of it was either paid of or written off as I moved abroad for 10…
