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Newbie
Hello found this website yesterday and i am hooked! i been reading all the posts and its given me the courage to finally fess up to myself, i am in debt and i just keep burying my head in the sand :( i have always been too embarrassed to actually write down what i owe and i felt stupid for getting myself into this mess and…
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Judgment for Claimant
Hi guys need some help pls Going to be as honest as possible I have other debts but for now want to concertrate on my asda credit card, applied and was accpeted. Had it maxed out. My employment circumstance changed and was unable to pay off, i have buried my head in sand and just ignored all letters, debt was passed to…
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who do i pay?
Oh has a debt with T-Mobile for a contract phone from about 2 years ago. He has been paying £10 a month for about 12months and before that was paying £20 a month for about 6 month and also made bigger one off payments, the balance started at about £300 and it got passed over to Moorcroft Debt Recovery who he has been…
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Moorcroft
I have had probs with moorcroft. stopped the dd to them and have sent numerous emails to them with all the info they need including my reference number and the amount that i will be paying them over four years rather than 210 over six months i not awnswering their calls as they are rude to speak. any hints and is it a good…
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Struggling... Need Help
Hi, I have had some personal issues which means that I have stupidly got into unnessecary debts with Pay Day Loan companies and credit cards. (I know Pay Day companies are the worst people to borrow from, but it was easy cash at a time of need). I owe alot of Money and am struggling to get out of this cycle of paying off…
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Bank won't let me pay off overdraft!
I have an overdraft with RBS which got passed to Apex Credit Management to recover. I have been paying £30 a month for approx 3 years and am now in a position to pay off. RBS say i owe the money but will not let me pay them direct as it is sitting with Apex but Apex have no record of me on their systems so cannot take…
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Please Help, Its been years and I can't see an end yet
Help! My finances have been a complete mess for years, and I have done nothing but bury my head and run away. I find it all very shameful so please bear with me. Seven years ago, I owned my own home and was struggling financially. After losing a close family member, I became very depressed and ended up sick from work for 4…
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Credit Score Help
On my credit report i have 6 accounts that are flagged as default, if i was to say pay off the one i owe least therefore settling the debt with that company would my credit score improve?
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Offered f&f from Barclaycard but they won't put it in writing
Hi, I have been on a payment plan with Barclaycard for a while now, where they have froze interest and I am paying what I can afford. As part of their 6 monthly 'review' of my account they have offered a full and final settlement (offer only valid for a short while). However, they state it will show on my credit file as…
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Debt - letters of authority
Hi, I am new to this site as am looking to get out of debt. I have a couple of letters from firms saying that they are now dealing with the debt from the original firm. Am I within my rights to ask for a letter of authority to be produced by them from the original firm confirming that they have passed the debt on to them?…
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Ccj instalments agreed but redetermination?? confused.
Hi, I recieved a letter from the court saying I had a CCJ order to pay £40 per month for my Restons /MBNA debt of £9k last week. I have recieved a letter now saying Restons want a reditermination?? and It has been transfered to a local court but they will send me a date. I havent even had the chance to make any payments…
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Try a 'half everything' week
I started doing this a while ago and it saves you a bit. Every little counts doesn't it? Try using only half of everything you use. So for example, half as much milk on your cereal as usual, half as much sugar in your tea, half as much washing up liquid, half as much shower gel, you get it now? You won't notice a thing as…
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Monday 14th November 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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Default and O2
Hi All I have checked my credit rating today on Experian, and its showing as poor, only 2 points off fair. I was pleasantly surprised by this as was expecting it to be down as the very poor one. I looked through all the information it gave me and saw that O2 had registered a default against me. I had a phone with them…
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1st credit 90% off letter
In 2004 I was at Victoria st and a man tried to temp me into taking out a barclays credit card. I told him there was no way I'd qualify as I was unemployed. But he said "we'll just lie and say u work in McDonald's"! So he filled in the film and I signed it then promptly forgot about it. Until the credit card arrived…
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Defaults, DMP & Dates
Evening all ! I had Credit Cards with : HBOS CapitalOne & Cahoot as well as an overdraft with the Abbey National when I entered my DMP in Dec 2005, when will any defaults drop off my credit file ? (I havent checked my credit files since 2005 also !) Also HBOS has charged me interest of approx £1500 when they unfroze the…
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Credit Cards debt, please help
Hi everyone, I need urgent advice regarding this matter, I have two credit cards, one from HSBC and one from ASDA. Limit on both cards is £8500 in total. I nearly reached the limit on both cards, I have been paying the minimum for the last few years but now I can't afford it any more as the interest rates made it…
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Defaults and Credit Rating
I have 3 defaults on 2 old accounts as of 2007. Does anyone know how long it will be before they come of? Once they have been removed what happens to my credit rating? Will i be able to get a mortgage after the defaults have been removed?
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Statute barred Scottish and English Law
Hi If a credit agreement was signed in Scotland and the debtor later moved to England which statute barred rules apply if a DMC tries to recover the debt after nearly six years of no payments or acknowledgement? Will enforcement be subject to Scottish law for SB debts as in five years or English law? Thanks
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getting into debt in the first place
I am just writing to offer some advice as I am close to clearing all debts other than my mortgage. I never really needed to get into debt, it first started with the offer of interest free credit cards for purchases. This meant I could buy things and not have to pay for them for several months or even years. So straight…
