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credit card full and final
Hi, I was looking for a bit of advice, I am just about to pay of my last credit card which is £1500 which my ex wife had some agreement to pay £22 per month which is showing on my credit file as a missed payment every month. It has deflated since 2007 and I want to know what’s best to do for my credit rating. Would it to…
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Natwest Pay by card service
I just received a text from Natwest asking them to call me or visit www.natwest.com/paybycard to make a payment. When you get to this site, you can either make a payment, or you can call them up to set up a payment plan. But when you click on make a payment, you are given the option to make a one-off payment, or make…
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when exactly do defaults come off the 3 credit reference agencies files.....?
I have a default that was registered 6 years ago today. I settled it in full 1 year later when I became aware of it. The record disappeared from my credit file for call-credit last week, but is still there for experian and equifax. does anyone know when they will get rid of them (or if a credit application goes in shortly…
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Incorrect default on credit file
Hi all, Quick question; my boyfriend recently got a copy of his credit file from Experian and saw that there is a default registered by a company called Arrow Global Ltd with reference to 'mail order'. It's only £206 but he is insistent it's not something he knows about. What's more intriguing is the date of birth…
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Someone else's default on my credit report??
I'm really confused and need some advice about whether to contact my bank or the company that produced the report?? I was recently invited to joint Noddle's free-report programme. It's not rolled out properly yet, but out of curiosity, I registered that I would be interested and got my invite about a week later. I had two…
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Bailiff at the door
I wish life ws so much easier, I was woken this morning with a man and his van, time 06.15 demanding payment from Derbyshire County Council, he either wanted cash or my valuables amounting to £371.50. He wouldn't tell me why and what it was for anyway I have given my card details to him to take the money from my account on…
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help needed, can anybody help please
Please can anybody who knows anyhing about joint mortgages / debt help PLEASE Thread Stats Views: 41 W W Factor Coming Soon... Share This Thread: [URL="http://www.facebook.com/sharer.php?u=https://forums.moneysavingexpert.com/discussion/3416363 [/URL]…
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Getting harrassed about an old 3 mobile account
I'm not sure if this is the correct place to post this but my wife had a phone account with 3 in 2005 or 2006. The account was cancelled and 3 agreed to write off the balance of £250(ish) due to the issues she was having with her handset. I have this in writing from 3. For the last 2 years or more she has been getting a…
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11 days behind on council tax...
.. summonsed for non-payment of council tax, paid last months a week late but no reminder. not hanging around some councils, and £65 costs. Just a moan:(
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Whats the best way to blitz this debt?
Hi, my uncle has a £1500 debt on a lloyds tsb credit card. He is 59, now unemployed and is struggling to manage on his JSA income. He has had a full benefits check and in entitled to JSA only - he gets council tax paid for but still struggles. The debt is severely worring him and we are trying to help. He does not want to…
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Welcome Finance loan from 2004
Very long story short ... Back in summer 2004 i took a loan out for £1500 a few months after that i borrowed a further £1000 with my x girlfriend as a joint loan. We split in 2005 an i was devastated to find that with interest i owed them £6,000+ back! Since then although i paid my half of the debt for a couple of yrs she…
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"Very" Payment Refund
Hi I recently paid off my balance (£400+) at Very. Up until then, I was making a minimum payment by direct debit. Although this was paid in good time, a further £21 was debited from my account so I am now in credit for £21. I have asked "Very" to refund the money but they have refused, stating that as it was taken via…
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Credit report
Which is the best site to get a credit report as cheap as poss? thanks
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GE Money loan - howto get rid
Hi all... Thought i might ask you for advice... Received statement from GE Money yesterday for unsecured loan. Amount is 3800£. We are paying 23% APR (:eek:). In 2 years all we have payed off is 120£ of a debt. I am paying 85£ each monh. Could afford 100£. Would it be possible to pay it off by 0% Credit card? And if yes,…
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Debt letter received - help needed
Hi all, My husband received a letter from Buchanan Clark and Wells a few weeks ago saying that they have been instructed by Aktiv Kapital UK Limited to recover an over due debt of £280.03 for a Barclays account. We did not act upon this first letter as my hubby said he didn't know when/what it was from. He received another…
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small payments ok?
i noticed a few threads where people pay of pennies on their debts daily. Do they actually pay this or put it in a pot and pay a lump sum. If they actually pay do the banks not charge for making such small payments?
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Reasons to be cheerful
Hello everyone, I know that you'll understand when I say that although I'm dealing with my debt and finally feel confident about the future, there are still days when I feel miserable that I let myself get in this state. I also know that many of you feel the same way so I thought it might be useful to have list of reasons…
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Credit Referencing - ARGGHHH!
Hi Everyone, I have a seriously frustrating situation on my hands; I currently have about £6,200 of un-secured debt, and as this forum accurately describes, I want to be free of this debt asap. I have looked into obtaining a loan to consolidate these debts into one monthly repayment and have some closure, and not to…
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Disillusioned much!
Hi all, I've been on a DMP with CCCS for what seems like a lifetime but is probably around 4 years. CCCS are extremely helpful and supportive and I would recommend them highly for anyone struggling with debt issues. However, as I work in financial services and due to FSA regulations, I'm unable to move on to an IVA or any…
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Ccj overturn
Morning, Yesterday i managed to get a ccj overturned on an amount of £1600 i am now going to pay the amount. Is it still a possibility to make an offer or should i just pay the full amount? Is there anything elese i need to do now the ccj has been overturned?
