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First Post! Comments Please...
Hello All So here we are. *sigh* DH and I have spent the evening summarising our situation. Occasionally one or the other of us would make some comment about the other's shortcomings but we kept them short and to a minimum - we know we've been as bad as each other and the comments don't help. We just want to get things…
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Credit Rating
Sorry if this in the wrong section. I am desperately trying to find ways to improve my OH credit rating so we can eventually get a mortgage if possible. He has been an absolute fool. I had no idea what an idiot he had been until we started getting mortgage applications declined...and well you can guess the rest :-( Here is…
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Understanding debt and debt collection agencies - please help
It appears my 19 year old DS, who lives at home, has got himself into debt. Today my OH took a call from a debt collecting agency - Regal? - asking to speak to DS and saying that if he didn't call them by 2030 this evening 'further action' would be taken. We've spoken to DS who says they are chasing him for money his car…
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Full and Final offers?
Hello! I've been browsing around the forum today and came accross a mention of full and final offers and I wondered if anyone can give me a bit of help with a couple of questions please. This is what we are trying to clear: DMP (total of £231 per month) GE Money £2572 Alliance & Leicester £1891 Natwest cards £1650 Natwest…
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Debt managment gone wrong :/
After browsing the forum Im starting to feel a little stupid to be honest but if anyone can help me I'd appreciate it.... ....myself and my husband got into quite abit of debt when we first moved in together, no money baby on the way, we had a loan and a couple of credit cards, consolidated them used them again as we…
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What sells well at car boot sale?
Hi, I am doing a car boot on sunday- its my first one so just wondered what kind of things sell well? So far I have alot of clothes(mainly childrens, some adults), some toys, some camping chairs and a few odds and sods. Whatever I make needs to feed a family of 4 until the end of August so need to make a good deal of…
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financial association on credit file?
hi there I wondered if there was an expiry for financial associations? I cant seem to find too much info on it. I have been divorced for a few years now but he still shows up as financially associated on my experian and equifax files. There is a joing account from 11/09/2005 and a credit check from sainsburys from the…
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eBay calculator
Does anyone have a calculator for what ebays fees are? or are they are set % of final fee? I want to be able to work out how much £££ I have after their deductions! thx
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debt management company fees -£350 help please
My daughters account was passed to a debt management company( Credit style ltd) by VW finance in February for being £384 in arrears. To cut a long story short she entered into an arrangement with them over a 6 month period to pay £280 per month to cover the arrears and her £129.87 a month regular payment. She has now done…
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Charging order?!?!
Hi I'm hoping that some of you can give me advice. I was made redundant and couldnt repay Natwest a loan and overdraft back, so they lumped it together and got a ccj against me. As I am a single mum to 2 children (aged 1 and 3) and on benefits, I am paying them £20.00 pcm. The debt is now approx £16,000. They went back to…
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Orange - Tessera Credit Services Ltd t/a Rockwell
Hi I'll keep this as brief as possible and any advice would be greatly appreciated. I have received correspondence from at least one agency last year alleging that I owed £142 and advising me that the debt had been assigned to them. On each occasion, I wrote back advising that the debt was not acknowledged, as the alleged…
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small simple tool
Small simple tool my friend gave me an idea for and is helping me with my loan... I have printed a countdown kind of calendar from word, how many pays days left till loan is finished. so every pay day i take a sheet away.. i can have a visual on how the months are ticking by. just a simple thing but the visual is helping…
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Capquest Statutory Demand Notice
Can anybody help with this matter asap, only a few days left to act, due to dealing with personal family matters! Regarding an Aqua Credit Card and Capquest. In July 2010 I received a letter from a company called Moorcroft who were demanding money for an Aqua Credit Card I had applied for in 2006. Questioning the balance…
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Natwest taking the !!!! with Experian
I am getting sick of Natwest and how there updating my CF. i have a large outstanding debt with them that is being paid off at 190 pounds each month to Apex on there behalf. During the month of July Natwest did not update with Experian and my file balance is currently at April's balance at just over 2000 pounds. So its…
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Egg card policies & settlement offers
Hi all, I am currently on a DMP with CCCS, who are great!!! however I recently changed my job again which is going to mean my current plan of £510 per month will have to be reduced, to around £200 per month. so the torch providing the light at the end of my tunnel is actually running out of batteries and will soon go out.…
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Creidt Card APR
Hi There, what is the quickest and easiest way to find out what the APR is on your credit card ? Thanks:)
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DMP with CCCS
Hi all, I have finally decided to put a concrete plan in place to deal with my debts. I know I want to set up a DMP - but should I do this by myself, or go with CCCS? My debts are as follows: Virgin Credit Card £2200 Halifax Credit Card £4200 Clydesdale Bank Credit card £2500 Natwest overdraft £900 Alliance and Leicester…
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Opening a Bank that isnt connected to Creditors
Good afternoon, I wonder if somone could kindly help. Myself and partner are in the middle of setting up a DMP with CCCS and are now at the stage where we need to open a new bank account (Jointly and one for us each) Our Creditors are Barclaycard Yorkshire Bank Capital One Credit Card MBNA Credit Card Mint Credit Card HFC…
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MY SOA & current situation - Some feedback/advice please.
Hi, Have added my SOA below - background is my wife and i accumulated around 45k worth of unsecured debt and as of last October, found ourselves having to repay around £1400.00 per month which we could not afford to sustain. I grabbed the Bull by the horns after a long while in thinking things would improve and contacted…
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Cancelling experian and equifax
Hi, Is it possible to cancel the above whilst I'm disputing certain things that are on my credit file? Thanks
