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Is anyone else finding this?
Since i took my head out of the sand and started tackling my debt i have been doing quite well, however as i'm save save save i no longer want to spend even £1 if i don't have to as i don't want to see my bank balance affected. I'm an all or nothing kind of girl and there is never a middle ground. This means i keep turning…
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Very Pleased!!!
Don't all shout at me as this is my first time posting and wasn't sure where to post this. I today sold a camera that was £50 years and years ago expecting to get a tenner for it, however got £35!
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CapQuest default on settled account.
Hello people, not sure if i'm posting in the right section, just wanna let everyone know I signed up to try and get a Default removed added on my Credit file by Capquest. I paid this debt off in full last month and it has been marked 'Settled' on Equifax but I have noticed that it says default in Sept 2010. I called them…
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t-mobile harrasment
my t-mobile bill for last month was alot more money then usual because i had added a new phone for my partner , we were expecting it so when they sent the bill i rang to say i wouldnt be able to pay all in one go and they text me to say it had to be paid by the 18/08 i have already paid most of it off and was due to pay…
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Received an odd letter from 1st Credit
Hi, I have today received a letter from 1st Credit. It is addressed to me, and came to my current address. It says: 1st Credit is attempting to contact the above named person regarding a personal matter. Your address has been supplied as a possible address for our subject. If you are (me) then contact our offices…
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Not sure how I can reduce my debts as I can't reduce my outgoings!
*deep breath* OK, not really sure what I am expecting from this but here goes! Ok. I am in debt, not hugely but far more than I would like to be! I have a 3 grand bank loan which I only make the minimum [payments on a month as they are 84 punds and I literally can barely afford that let alone adding on to it. I am a…
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Debt to RBS
It's a long story so I won't bore you with details but it seems we owe RBS some money. I know people say it all the time but I genuinely thought it was paid after we sold our house and moved temporarily overseas for 9 months. It was OH card, I thought he had paid it off and he thought I had paid it off as I usually paid it…
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Cabit Financial and CCA returned
Hi All, I have received a letter back from Cabot finanacial reference to my CCA request for original agreement. They are saying they do not have to produce an original agreement and have sent me an application form. What should my next move be with these muppets? Regards
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Debt Managment Plan - Does this sound right?
As I stated n a previous post I am setting up a DMP with the CCS. I am just completing and compiling all information needed. As I also stated before my monthly deposit to the DPM, calculated by CCS is quite low. It's actually £15, for three creditors. (£5 per creditor) Now, even the CCS people say as it stands it would…
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Length of time from receiving default notice to it appearing on credit file
I'm having an ongoing dispute with Cabot regarding an unsubstantiated default on my credit file. At the weekend they send me an alleged copy of my default notice. I noticed two potential problems with it, if I am correct. 1. It says the reason for the default is because I am in arrears with my account and the sum it asks…
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Cleaning up my credit report
Hi, I have had a credit card for years that defaulted years ago and my ex wife set up a minimum payment offer of £100 per month on a £13000 debt through some third party company as we couldnt afford the repayments. I have recently made the company an offer which they have accepted as partially settled. How long is all this…
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looking for new current account
I am currently have a DMP but they seem to be taking more of my money than they are given my creditors, i have been in touch with nationaldebt line and was given a few choices i could take but to do this i need a new current account which is not easy i am looking for any suggestions, i am currently with thinkbanking( RBS)…
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Trouble with uk search
Hi I hope someone can help, I was contacted out of the blue by a company called uk search about a debt im not convinced I owe. I have repeatedly asked by letters sent signed for and by phone for a statement or some kind if evidence that I owe this money. They keep on saying they will order it, but I have got nothing. Where…
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DMP - Halifax
Hello I have recently set up a DMP with CCCS. I have not paid anything yet first payment is on 1st September. I decided to log into my credit card accounts today just to see whats going on with them. When I logged into Halifax it said "Your account is subject to a regular payment plan, please cal the following number to…
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Trying to help out my brother but not sure what to advise
My brother's in a bit of a financial mess at the moment. He just came out of a 10 year relationship with a woman who was not very good with money. She managed to build up about £20,000 worth of debt and unfortunately he chose to help her out with it and took out a consolidation loan in his name to pay off both their debts,…
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Littlewoods Full & Final settlement
Morning all, I am really interested in finding out if anyone has a success story for Full & Final Settlements with Littlewoods? If you dont mind please can you advise what your % was and how much original debt was for? I have just defaulted and keen to offer a full & final for a £2500.00 debt. Just wandering where to start…
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Overpaid Cabot Financial
Back in the early 2000s, I was a little bit silly with money, struggling with mental health issues including head in the sand syndrome etc etc Anyway, a store card company sold their debt to Cabot Financial, and I agreed to pay off a balance of £261.20 at a rate of £5 per month with payments starting on 31 July 2006.…
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Advice with n244 ccj
Hi, I was looking for a bit of advice. I am currently in the process of trying to overturn a CCJ as my wife had my post on divert for five years and I knew nothing about the debt or the CCJ. I have had a court date through and i am the second defendant on the letter and she is the first all I need to know is does she have…
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Monday 8th August 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. :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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Full & Final
Grateful for advice before I hit the final furlong. I have 6 creditors (High St bank / High St retailer loan / Store card / Mobile / Catalogue / Credit card) with total owed of about £20K. We have an arrangement with all and these have been paid on-time for at least 18 months. I have no hassle from any of them. 4 are via…
