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Moorcroft Debt Recovery but have got the wrong person!
Hope someone acn help me! For the past several months i have been receiving letters from a company called Moorcroft Debt Recovery ltd who keep saying i owe them £400 for Barclaycard. But i dont and never have, they even have got my name incorrect with a middle name which i ahvene't even got but still wont believe me. I…
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default entered after account cancelled - virginmedia
default entered after account cancelled - virginmedia hi all, im hoping for some advice please. I was a virginmedia customer until april this year at which point i was out of my 12 month contract and ended my account with them to join sky. There was an outstanding amount with VM of £100 which i sadly forgot to pay due to…
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HELP Urgently APPRECIATED FOR A DEFAULT
Hi everyone I would be very grateful for any help. Recently, I was the victim of card fraud, so have signed up to Equifax for the first time. Upon signing up, I have noticed that I had a default applied to my account from Next Ltd. I didn't recall receiving a default notice, so I phoned up and they sent me out what they…
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Credit card payments
Ok, here goes.... I have 2 credit cards that are over the limits, now I have contacted the companies and asked them if I could pay reduced payments and they agreed which is fine... my only problem is Im throwing money away because the reduced payments are doing nothing to bring down the total balances and therefore my…
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IVA Miss selling
I reckon the next big miss-selling scandal will be IVA's
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credit report...confused
As you can see in my Sig. I have been trying to improve my credit rating. I know people will go on about scores mean nothing. But to me its a way to monitor improvement from another prospective. anyway i checked my score today. the only changes on my report since having 571 are less searches and my current account has been…
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Advice sought
For around the past four or five years I have been paying off a credit card debt through a collection agency. The debt was in the region of 12K and I have been paying a goodly sum each month, near enough £200. I have more or less halved the debt but increasingly the monthy payments are crippling me and I can now no longer…
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experian Credit report
Ok so my previous post was a why check my credit report. So having bit the bullet to see how bad it is i'm amazed that with the amount of debit i've got that my credit score is infact 999 (excellent) are these people for real. Yes i have rarely missed a payment but im struggling monthly to keep that up. How can anyone…
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Credit card debt
Can anyone help me I dont ahve a life I am purely existing. I cannot afford to pay the minimum payment to my credit cards so I have sent the letter from this webpage stating I can only afford so much a month but still I am being hounded by phone calls and letters stating I have not paid my minimum balance and to pay the…
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!!!!!y AIC phone call
Hey guys, I know theres a lot of threads about AIC but I have a few questions. Im taking over my debt payments and paying them directly instead of through a debt management company. I appreciate all they did to help me but I can put the £37 management charge towards my car insurance. So I rang AIC to change the method of…
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amount to put down for food on budget plan
Could any of you advice me what is a reasonable amount for me to put down on my budget plan for food for - 2 adults , 3 teenage children ?
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I'm taking the plunge...
and calling Pay Plan tonight to try and get on a DMP. I have struggled the past 2 years to try and clear debts but things seem to be getting harder each month and I now have £30 to last me 2 weeks to payday. My question is, when I call them tonight, should I have information of my lenders/amounts owing ready or is the…
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DPA broken
Hi there Last year I was £22k in debt but I have now got it down to £13k, my last debt is with a creditor for my loan in which I pay £20pw Anyway they rung yesterday morning and I wasn't in, my husband answered and said can I take a message and I can't believe they told him my balance, and that id missed a payment. So glad…
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Full and Final Settlements
Hi.. Am wonderig whether anyone has experience of offering full and final settlements. I am on reduce payments after my husband left and have now been made redundant. I have a small sum and like perhaps offering lump sums (which will be significantly lower than owed) as can't continue to juggle everything.. Any…
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CITI/OPUS – can they do this
Morning all, not been on for a while – just been plodding on [slowly] getting my card balances down with the help that I received off this forum previously. Anyhow, I have a question about CITI. My wife had a CITI credit card with about £1400 balance. In the grand scheme of things, this is a small balance. About 18 months…
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Friday 12th August - what small DFW things will you be doing??!
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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Debt Help.
Hi all. So i am in debt with natwest bank £2653 from when i was 18, im now 23, i've not heard ANYTHING from then since 2009 and now im getting worried about it, obviously that sounds stupid but a lot of stuff happened from 18 upwards and i just didn't give a damn about it but now i know i need to get it sorted. I'm…
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Defaults Ending Soon Advice Needed how to deal best with them & Full Final Offers?
Hi There I have a few creditors where the defaults are to end in January. If I offer a F & F and they accept before this date, will this show on my account that partially settled when the default drops off? Or will the debt just dissapear in January. If the debt disapears then it would be worth me making a partial payment…
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Has any of you on DMPs reduced your amount
I posted before and got some excellent advice about my DMP but need more help . I wondered for any of you who are on a DMP have any of you reduced the amount that you give to your creditors ?? did your creditors accept a lower amount ? I am going to phone my creditors tomorrow to explain that with many of my bills going up…
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Slowly come round to debt
Hey guys, thanks to stupid gambling (which im now getting help for) and me being silly with money I find myself in ever growing debt. 2 months back I was in the money, £2000 for myself. But I slipped and blew it on rubbish, mostly gambled it. After several mad binges I am now facing no cash at all and whats worse is I have…
