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Lloyds TSB
I used to have a LloydsTSB current account that I opened a few years ago but got into difficultly with going overdrawn with returned direct debits ect. LloydsTSB closed the account afew years back but have recently put a default on my credit file, are they allowed after this amount of time and no communication? Thanks D.
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Refused for credit card...
Evenin all! This is almost certainly another one of my daft questions but I'm going to ask anyway as it's been niggling on my mind. I applied for a John Lewis credit card the other day (jointly with my partner) and got refused. Hmph. No reason given, just a big fat 'no'. We've got a credit card already which we've always…
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Credit Report - please help!
I am totally new to this, but want to start taking control! I have just signed up to see my credit report, which unfortuantely I agree with... All of my other things are fine and green, but I had a loan as a student and defaulted in 2006. Since then I have been paying one of those companies who buy the loan off the bank…
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Latest update Court letter Rentons mbna Interim charging order
Hello everyone ,thankyou fro your kind advice and messages. I have now received a letter from the land registry today ,notice of interim charging order. i alson today got a letter from renrons saying I had been given a court date in early january 2012,I am looking for for advice on how to fight it.:(
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Do I legally owe anyone anything?
Hi all, Newbie poster here :wave: I've been pointed in this direction by a recommendation in another forum in the hope that you guys and girls could give me some advice. In Spring 2003 I purchased a TV, the bulk of the value of which was on the store's finance scheme. This scheme allowed me to pay the balance after 6…
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Ummmm really worried Help info on Egg please
Hi I feel a bit stupid, we are in a DMP and only found out today that Egg have been sold to Barclays, didnt know this was happening, got a mail today from our DMP company asking for the Barclays reference number as they cant make a payment at the moment. I have been able to log on to the egg card for months now and dont…
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Need advice regarding buy now pay later shopping
I stupidly decided to get an account with great universal (now called k and co) However I got made redundant 3 months ago and havent been able to make payments on time due to benefits coming through a few days late, both times I notified the company of these and they said they would negate the late fees. Ive just called…
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Initial CCCS letter help
Hi all ... Just a quick one. I am sending out the letter to my creditors about how much I can pay each month. Do I include any payment with this as I no longer have any cheque books. Or can I make an online payment? Thanks :)
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Is there anything i can do without damage to my credit record ?
Hi all, I have been unemployed off and on since being made redundant in august 2010,i had a vanquis credit card which has had a balance of approx £2000 since january. I have never missed a payment but because i have been getting temp work which lasts a max of 2 months i am unable to transfer the balance to a cheaper card…
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Emigrating and want to full and final settle my debts
Hi I'm looking for some help and advice on full and final settlements. I'm emigrating in the new year and want to settle my debts before i go, although I don't have the full amount hence why i'm posting this!! My parents have offered to help a little and with a bit of money i have i wish to contact my creditors and get…
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Help needed please.
Hi i just had an missed call of wade and co no message i googled and its a financial company anyone know?? Thanks in advance.
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Tons of debt, tried everything now stuck and homeless
Hi everyone, I'm wondering if anyone's got any potent advice on how to clear large amounts of debt - I've got two bank accounts, each one is overdrawn by £1,000 and personal debt that totals more than £10,000. I now can't get a credit card for basic shopping needs like cider. I have a low grade Vanquis credit card with a…
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Trying to clear Debts but Creditors not budging
I have four main creditors which I need to pay off. Two Lloyds Cards, One Egg Loan (Now Moorgate) and a Halifax Card. I owe them approx £18000. I have been unemployed for a few weeks but would like to pay them off with my Pension payment of £10000. I wrote to all four creditors using the template letter on this website…
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How does one draw the line....?
How does one draw the line between not being overly harsh/judgmental on those who come here for advice, massively in debt due to their own out of control spending/stupidity, and at the same time ensuring that the message is rammed home to those who would find themselves in such a situation in a few years time unless they…
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Just Advice
Hello, Just looking for some advice really, reading some of the other threads on here I can see my situation is no where near as dire as some but I can see it heading that way if I dont sort myself out. I am 26 and still live at home (I know but I do have a bird so it ain't all bad :) ) with approx 10.5k debt - one loan…
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start 2012 with £0 CC balances
I always pay my outstanding CC balances every month. Even so, I have about £1800 balance on my cards at the moment - to be reduced to about £900 after this month's payments go through. As part of my 2012 finances spring-clean I've decided to start the new year with £0 on my credit cards so that I can budget properly and…
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Natwest Overdraft - Switch to Santander?
Hi all, I currently have a Graduate Account with an arranged overdraft of £2000 which I am permanantly in. I am charged £17.75 interest every month. Im looking at my possibilities and see that Santander Offer an Interest Free Overdraft for a year plus £100 if you switch to them. Do you know if you can already be in your…
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Flogging stuff
I have billions of books, mostly in boxes or cupboards as we haven't got anywhere else for them. I also have a kindle and debt. Is it worth flogging second hand books on Amazon? More hassle than it's worth? Most stuff is (quality) fiction.
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Do any of the free debt management charities deal with Wonga?
Hi, I've got a massive loan with Wonga, I currently owe £722, my initial loan was for £680 and I've paid off £348 so far (but still owe £722, after extending for a month). This interest is killing me and I was wondering whether any debt management company deals with Wonga? And even more importantly do they come to an…
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minimum CCJ payment for £5K loan ?
Hi All We have a single unsecured debt of £5000 that was bought by Apex last year and have been paying only £1 month for 12 months. I have just offered £15 month from next month after some squeezing of our outgoings. I could probably go upto £25 a month at a push at the moment but don't want to dig myself in a bigger hole.…
