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Where is my Halifax credit history?!
Hi, it's been a while since I've last been here! Hello. I have signed up for both experian and equifax to check any defaults and the one credit card I am looking for is not on either. It's Halifax, and used to be on experian but has disappeared into thin air and not in the equifax report Are there any other credit agency's…
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Budget help needed
Hey guys im hoping someone on here can piont me in the right direction. I have worked out a budget and put it all on to a nice spreadsheet, but i need a bit of help working out net overtime pay. this is so i can work out in advance how many overtime hrs i need to wrk each month to make up short falls and pay for extras…
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Managing fallout from ex with bipolar
Hi all, RAS suggested I posted over here. I'm not sure if you guys can help but here we go My exDH who has been out of the family home for 14 months now, is allegedly on the verge of a diagnosis of bipolar. He is more likely to be cyclothymic I think given his behaviour patterns as he never swings very high or very low.…
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Black Horse field agent at my door
Just to let anyone else know that if you have a car on HP with Black Horse and owe a month's payment they are sending field agents out to cold call. I only received a letter from them yesterday giving me until 8th September to pay up or else blah-blah. He asked me when I would be making payment "don't know" I said. He…
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What to do about old debt.
Hello, sorry if I've missed an obvious thread on this. Basially my partner has lots of debts due to being useless with money, and I've been sorting them out. Because of this we already pay quite a lot in debt repayments every week, and about 2 weeks ago we received yet another debt collection letter. This one is from a…
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Cap Quest?? 02084958734?
I had a missed call from this number on my phone this afternoon and upon some digging and came up that it is from capquest. Does anyone know who they are or are they a scam as I have read elsewhere? I do have depts but currently pay all of them and the ones who are with collection agencies are Apex and Lowell. The others…
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SRJ TalkTalk - wrong address?
Hi everyone, I've heard that you're really helpful with these sort of problems so hope you may be able to give me some advice :) Last week I received a letter from SRJ debt collection, the usual no info, trace letter. It was addressed to me (as Miss A Nother, not full first name) but the actual address was incorrect, it…
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Default Mess
Hi, I recently checked my credit details with Equifax and found to my horror that I have a default from 3 years ago! The circumstances surrounding it are quite disgusting and I'm not sure exactly what to do. You see, I went into Carphone Warehouse and took out a contract for a webbook with mobile broadband. When I…
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Running out of ideas!
Hi All, I'm new to this forum but I've been reading it for a long time. I'm a 30 year old woman and I live on my own and I'm really worried about my financial situation. I'm only just getting by and I don't have any savings for emergencies except for a very small amount (under £100) that I am keeping in a savings account…
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Lending stream problem advice needed?
Back in april İ took a payday loan out with lending stream İ have never missed a payment, and loan payment has always been paid on time. They were ment to take £62 this month. İ checked my bank account yesterday and they took £107 on monday. Today İ recieved a letter plus 2 text messages which were very rude and acused me…
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Future ruined due to DMP
Hi there I'm at my wits end. I don't know if I've been naive, stupid or both. About 18 months ago we were struggling to meet repayments on 3 credit cards my partner and I had so when a DM company cold called us (one of many at the time) we decided to sign up and they dealt with the credit companies and got reduced…
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i need help.
I've just watched my mum & dad in debt all there life and i dont want to go that way....but i am and i need help. I have about 15k in debt broken up like this: Mortgage arrears £3300 Loan £7.5 K Cap one - £600 Halifax £750 Natwest £3100 overdraft £300 I've recently been on maternity pay but that has run out and i cant…
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Advice needed please
Hi, I was wondering if anyone can advise me on this situation. When I was with my ex boyfriend I owed some money to different companies and he took out a loan in his name with his bank for £4000. he gave £3000 to me to pay off debts and used £1000 himself for some redecorating. I paid him £105 a month for about 7-8months…
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Do I pay this? (Scotcall)
I am entering into a debt management plan with the CCCS and have just recieved a letter from Scotcall. This is the first time I have heard from them and there saying they have constantly tried to contact me. There threatening a visit. What do I do? Do I send them a letter explaining I am entering into a DMP?
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stop creditors calling
Hi can someone point me in the right direction of a letter to send to creditors to request all contact in writing? I've searched but can't find one anywhere?! My friend is about to go on a DMP and his creditors have his work telephone no. Thanks :A
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How to deal with Halifax..
Not sure if this is the most appropriate forum or not.... I have 2 accounts with Halifax (1x £2500 OD; 1x £100 OD). About a year I run into financial difficulty and going over my over draft limit regularly. At first I just paid in money to cover the fees for the days I went over and managed it like that. As time went on it…
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Alleged debt from overdraft
I have a letter from Moorcroft Debt Recovery asking for repayment of a substancial debt which I do not recognise. They telephoned me demanding payment and told me it was a Lloyds TSB overdraft. Can I send them a CCA letter for copy of credit agreement given that this was an overdraft on a bank account or is there some…
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Template making a repayment
Hi all, Asking for a friend. She is being hassled by an electricity company for an outstanding debt and is willing to pay them but they have bullied her on the phone into setting up a DD for more than she can afford. I found her some letter templates on here for telling them to stop calling and that they cannot turn up on…
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Friday 26th August 2011 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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CCCS or PAYPLAN?
Hope I'm posting this thread in the right place. I'm a newbie so please bear with me. I've been browsing for a few days and have got some excellent advice and it's made me face up to my problems instead of burying my head in the sand. Basically, I've been in debt for a number of years with a loan and 2 major credit cards.…
