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My first positive step
So I found ten things laying around the house. Mainly clothes that I haven't worn for 5 years. I put them on eBay last sat, just to see, and to hopefully clear a bit of space..... And they're at £7.34 !!! For nothing at all really!!! Good step eh?!?
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dmp and ppi refunded
Some advice please After 18 months my claim for ppi on a credit card with Lloyds is now going to be settled. The card is clear, however, I have a loan with Lloyds and this month I have just started a dmp (only missed this months payment on my loan, As I have waited 18 months for this payment and it was for a credit card…
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who to contact, debt collectors or banks?
hi I am in the positon now were some of my debtors have ignored my offers of repayment and have DCAs acting on their behalf. I am ignoring the phone calls but When communicating further should i still be trying to have the bank communicate with me (is there anyway to do this) or really WRITING to the DCAs whom i am trying…
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F&F Settlement and Mis-sold PPI
Could anyone answer this please on behalf of my friend? He has a loan with Santander, o/s balance approx. 15k. He has defaulted on payments with this loan and is currently paying agreed reduced amounts. He originally took out PPI on this but it was cancelled (wont go into the story) but long and short of it is that he…
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Sorting Out My Life, Finances & Credit Rating
Hi. This is my first time post (I think).. Been following the site for some time now but, after being refused a mortgage on my dream place, I have taken a drive to sort everything out. My current CallCredit score is 1* (462). I have 2 current accounts and 2 credit accounts in my name.. Status below: Type - Limit - Balance…
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Default on my credit score
I have a default on my credit score, I have just checked it .. I was expecting more. It was for 3g UK.. so the three mobile network, I do have a mobile phone contract with them but that's the only one I have ever had. This shows on another entry as satisified. How do I go about getting this investigated and possibly…
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Shared Energy Bill Problem
Hi, I could really do with some advice but its a bit of a long story! Please bare with me! :) I have just graduated from university and left my student house. The energy supplier for the house was Southern Energy. The account was in my name as the two people i shared with paid me what they owed into my account and i rang…
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C.A.R.S debt - help!
so i got a voicemail yesterday from cars debt saying to call them back with a reference number etc from May this year - i was in mcdonald's with a friend writting an essay - unaware there was a 75 minute parking limit for parking - and i over stayed by about 30 mins so i got a letter through the post saying i had to pay…
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Your advice needed and greatly appreciated
First of all I would like to say hello to you all and thanks for taking the time to read this. My predicament is I no nothing about mortgages so first I will attempt to outline what I would like to achieve and maybe any of you helpfull folk out there would like to give me some advice or steer me in the right direction.....…
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Ebay tracker
Hello, Not sure if I am posting in the right bit so apologies if not but I was on the other night and saw posts about selling stuff on Ebay and there was a handy spreadsheet to track the items sold and work out how much you are actually making by the time the fees etc come off. DOes anyone know of this and where I can find…
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Assigned debt help please
Hi all, ive just joined up today and would appreciate some advise please. I had a credit card with approx £9000 on it with Yorkshire bank, in May last year I lost my job and have been unable to find work since so I was claiming JSA, recently I have gone on to Income support and Carers instead because im having to look…
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equita again
i paid equitas baliff £490 fo my 04-05 council tax owing, when he then told me i had another £498 from a previous year, but said that i could make an arrangement to pay it at the end of every month at £30 starting the 28/08/2011...i rang equita and made the arrangement for £40 a mth, have today received a letter off them…
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CCJ Help please
Hi, to cut a long story short I defaulted on a credit card and the company tried to take me to court for repayment. I completed the forms and accepted i owed the money and offered an amount each month to pay which was accepted without having to appear in court. I have only recently been contacted (monday) on how i make…
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Overdraft
of £2420 with barclays, i went to the halifax today and have opened up a new account with them transferring all my direct debits and my wages into this account from the end of the month hopefullyy, Can barclays stop this happening or not? i will be paying £200 a month into my barclays account to clear my overdraft still…
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Financial Associates
How long does it take to get a financial associate removed from your account? It is my partner, but we have never had any joint financial accounts, loans, mortgages etc. I submitted an online dispute today but am very keen to get it removed. Has anyone else had experience of this? Thanks
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Advice - Long Term joint debt (bank account)
Hi - First time poster!! To give you some background to my money dilemma, when married my wife ran up a load of debt on a bank account that was in our joint names (kept extending the overdraft, without my knowledge). I knew nothing of this, but as it was also in my name I am now responsible for repaying this back -…
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Default from Lowell Portfolio not showing as Satisfied?
Hi there, I can't remember if I've posted here before, but I just wanted to start by thanking you guys for all the advice and templates I've used in the past as a lurker on these boards!! I started off with around £14k of debt about 5-7 years ago and am now debt free (aside from the mortgage, but hey what can you do?) I'll…
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T-Mobile Default Issues
Hi, I have an issue with T-Mobile I'm trying to sort out and I'd appreciate some advice. First to the background... apologies for the lengthy post and the sizeable images, but I wanted to provide as much info as I can. A few years back I had a contract with T-Mobile with phones for both my wife and I on the contract. I was…
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Unsecured bad credit loans?
I have 5 creditors, totalling £4700 and am struggling to keep up with charges and whatever else. I have very poor credit history with defaults but no CCJs and want to borrow £5000 over 3 years to clear all of my debts and have one single monthly repayment. This keeps things simple, avoids charges, and also rebuilds some…
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Council Tax Debt Recovery
Hi, I owe £500.00 council tax and I am currently being chased by a debt collection agency for the money. I don’t dispute the debt and I have confirmed to them in an email that I am willing to pay the debt, but I cannot afford to pay this off as a lump sum, instead I will need to pay this in monthly instalments. My question…
