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Credit Card Debt To Loan?
Hi, I currently owe £4400 on a CC, took advantage of Halifax offering 9 months interest free balance transfer as an exsiting card holder, so took debt from 2 other cards to this one. In the 9 months i have managed to get around £1200 clear taking me to the balance of £4400 left. Now my issue... the 9 months is due to end…
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CCJ - How much am i effected?
Hi all, I am in need of some advice. As a stupid student i got myself into debt not paying my hall fees and about 2 years ago was ordered with a ccj of just under £2000. Im a pleased to say that as of the end of this week the debt will be cleared. Over the years i have sorted myself out and im in a well paid job (just…
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Some good news at last
personally I have had the worst year of my life - probably you lot on this forum have had worse but if I could I would have walked out and left everything, but that gets you nowhere. My debts were piling up, took payday loans out etc and finally 3 months ago came to the point where I could not pay anything else out so my…
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Jacobs
Hi could do with a little help please. I owe £400 in council tax which went to jacobs they came around listed items and set up a payment for £5 a week .I've been paying £10 a week to over pay incase I got behind .my oh last his job and we missed afew payments . Had a letter on Friday saying Jacobs are coming for the money…
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F&F offer letter - thoughts please?
I have been on a DMP since 2008, now have 3 accounts remaining. Two were defaulted in 2008, 1 is showing in a payment plan / 6 months in arrears. I want to F&F that account and get it closed, so they can't add a default either now or in a few years, so that come 2014 my credit file will be clear.... how to I word that…
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Monday 15th August 2011 What small DFW things will you do today????
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Who do I pay debt of to ?
Hello I have recently come into some money and now want to do the right thing by paying off the debts I have currently have but the one big question is who do I pay the money to ??? Obviously some of the debts have been passed to debt collection agency's for example scot call and moorcroft.Personally I would like to pay…
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How to stop worrying?
I know this seems an odd question but here goes. I am comfortable with my finances I have, I pay them on time, I earn enough to cover them and save money, the problem is I can't stop worrying about the debt? You can't move forward without building your credit rating and so on so we all have to have debts to an extent, e.g.…
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123ds and Baines and ernst help please :)
Hi guys im in 20k of debt mixed between a credit card 2 loans with different banks and a car loan with blk horse finance I have been paying these happily and never missed a payment , but the wife has lost her job and we aint having the money to live on ... so a friend of mine suggested a debt management scheme....... i…
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if it says settled do i still have to pay it?
On my credit report it says a debt i have with studio(£220) is settled yet robinson way debt are still chasing me for it Do i need to pay this still?
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Help needed removing incorrect default on credit file
I recently discovered that I have been a victim of credit fraud which has resulted in 2 defaults on my credit file. One of the defaults has been removed (by Capital One). The other is from HFO Services. I have disputed the defaults with Experian; the date of birth is not my DOB and the address is not correct (it is my…
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Where to pay off £500?
So I overpaid on my tax last year by £569.60 and I have a cheque from HMRC that I'm going to pay in tomorrow. What is the best thing to do with it? I have: Overdraft The first £1500 is interest free, then it's 1.30% on anything over this. I will also have a monthly charge of £5 for usage when I exceed the £1500 mark (that…
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Not all debts showing on credit file???
Hi guys. In an attempt to sort my partners old unpaid debts out we done a £2 credit file search. However only 2 debts were present on the file, but constant mail to our address from dca's suggested there are 5 debts. Just to be sure we done 3 further £2 file requests yet it remains the same. Would this mean those debts…
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Dad passed away with 2 months into contract of 12 months, want me to pay remaining 10
Hi, not sure if this is the right section for this post? : My dad was an auto diagnostics electrition and hired equipment out which was on a 12 month renewable contract each year. He was 2 months into his contract and Siemens have contacted me asking for confirmation of the location of the equipment which I have not spoken…
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Best advice to get dept free : HELP!
Hi, been reading the inspirational stories on this thread. Awesome. I am in dept to the tune of 5k, 2.5k on 2 credit cards. I recently applied for a loan to consolidate the dept, but ths was refused (by my own building society, NationWide. :-( ). Has anyone got any advice of how I could best clear the debt, in the fastest…
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Trust Deed worry for parents
I wonder if anyone could help me? My dad recently entered into a trust deed and I'm worried that this might affect my credit rating. He was a guarantor for my car finance. I've heard if you have any financial relationship it can be affected. I'm worried the address is going to make it difficult to get credit too. Any…
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N1CPC - Northampton County Court - Regarding a Motor Claim
Hello all, hope we are all ok? I am looking to get some advice :money: On Saturday morning (13/08/11) i received through the post a N1CPC form from Northampton Court on behalf of Judge & Priestley Solicitors acting on behalf of an individual. The claim form is requesting £927.50 and is regarding a car accident i was…
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DAS arrangement
Hey, i live in scotland, new to this site. i have been on a DAS for over a year now and recently received a statement from a credit card i forgot i had! i havent spent on it but forgot to include it in my debt arrangement? what happens?
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Unfair Default registered on my file?
Hi all, I thought I would ask your opinion on this as i'm very puzzled and very annoyed! A few months ago I posted on DFW about letters I'd received from Aktiv Kapital from a debt in 2006 which I thought I'd defaulted in Dec 05. I ignored their 'fishing' letters (4 in total) which amounted to nothing and stopped about 2…
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Debt free
Hi everyone - just a note to say that the real way to get out of debt is to really want it Initially you have got to create a mental state of not spending, instead address your debt with any spare money and make it a long term approach. Enjoy paying things off, it is actually fun. I have spent the last 3 years living like…
