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remove a default advice please.
I am in the process of trying to remove a default that was added to a store card account this year. I cleared the debt immediately as it was only a couple of hundred pounds mainly made up of late payment charges and not purchases. I have recieved a sar and that shows the agreement 2009 had not been signed by anybody does…
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32k Debt Looking for a bit of advice
Ok so a a while ago my home got repossessed because i was made redundent and couldnt keep upmortgage payments . The mortgage company went on to sell the house at less than half what we paid for it 18 months earlier and its left us with a debt of 32k. Was wondering what i can do about this debt , I dont want to go bankrupt…
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Are DCA's allowed to search your credit file without consent?
Just as it says - this has happened to me and I wondered if it was legal? Thanks!
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Confused about alert on Equifax
I'm a member on Equifax. I got an email saying there was an alert. I've just logged on and there has been 2 searches on there. 1 for T-mobile (recently posted about Capquest harrassing me for payment for T-mobile bill from 3 years ago which they waivered) Then another on the 10th of this month from Virgin Media. I left…
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debt-collection charge
Hi, I received a letter from Moorcroft or Moorgate or some such name - a debt collection agency, collecting a debt for British gas. The debt was £36, and I was just about to pay it - but the letter says that British Gas have added £5 as a debt collection fee. Can I just pay the £36 and point out to them I have paid…
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Mackenzie Hall
Hi all, I am new to this site,just thought I would share something with you about Mackenzie Hall. For months now we have been getting letters from this company addressed to someone with the same surname as me addressed to my home address,even though this person has never lived here and is not known here. At first i wrote…
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Court fine and no idea what it is??
Good morning lovely people i was wondering if anyone could help me? My patner has received a letter through the post this morning from the magistrates courts saying "grant of time to pay" its he owes £80 and must pay by 1st of december 2011, the thing is though is we havent received any fines?? We havent been to court or…
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I need some help, complaints?
Good Morning All I need some help, I have looked at all the forums and though you guys here may know best!. I purchased a vehicle from Arnold Clark on Hire Purchase. At the time we were told this was a loan and also told a really nice APR, as things go and being stupid (before we joined MSE) we signed up and didnt check.…
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Advice on missing a DMP payment please.
Hello unfortunatley my oven has given up the ghost. I have a dmp and i missed Aug due to car repairs. Ironically i had £300 plus bill to get car through mot IN Nov but managed this with help from family. My other missed was Nov last year again car! (i know but i cant afford to replace). Will my dmp be stopped if i miss…
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Am I liable to pay?
I have received a letter from George Walker Recoveries chasing me for a nursery bill of £554 in my eyes I do not think I should I should pay this. I removed my child from the nursery in April after the failed to give me any notice of public holidays that they would be taking (but I still had to pay for the days they were…
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Sat/Sun 26th/27th November What Small DFW Things Will You Do Today??!!
:) Sat/Sun 26th/27th 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…
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Advice
Have I done things right, Because of my overdraft I am struggling paying most of my bills while trying clear off my overdraff, by stopping with the same bank that most of my debt is with I done seem to be clearing it. I have now opened a new bank account to have my monthly wage put into, even if I did this I will still…
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Can't pay my mortgage on Monday, please help.
Hi everyone, Please don't shoot me down in flames. I can't pay my mortgage on Monday. I wanted advice on what to do. Basically, the CSA haven't paid me this month and my mortgage payment of £489 is coming out on Monday. I will be £300 short. I have no family, friends to borrow from. My only options are 1) let it bounce and…
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Nat West doing monthly credit checks....
Hi can anyone think why the Nat West would be doing monthly credit checks on my husband? (possibly myself except that I'm not registerd with equifax etc). Each month I get an alert - his rating never changes but it's showing New Information NATWEST BANK CURRENT ACCOUNTS Current Account XXXXXXXXXXXXXXX102S 0(Up to Date)…
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Lloyds -Old Overdraft & Default
Hi All, I was wondering if anyone is able to offer some advice regarding a situation I have suddenly found myself in: Back in 1999, I opened a student account with Lloyds and now, twelve years later, I'm receiving demands from a Debt Collection Agency for an amount they claim I owe to Lloyds relating to my old student…
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Is it possible to stop interest on Catalogue account
Hi I have a catalogue account with Very and am trying to get it paid off as soon as I can. I owe £4,500 and am paying off £170 a month which is the minimum payment. I am a widow on benefits and was wondering if there was any way I could get Very to stop charging interest. I am disabled and housebound so cant get out to…
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I need help with contacting Halifax Credit Control...
Ok so I have 2 accounts with Halifax, one an easycash and one a current account, I was on a reducing overdraft on my current account, currently its down to £286, however I am in there now by £480 due to some major unexpected bills, and reducing hours at work I now cant afford the £115 per month repayments and I certainly…
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Credit Expert Help?? They've Took Money When I Cancelled ..
I signed up to the free 30 day trial, and cancelled after about 8-9 days. I got the email confirming i had cancelled etc. Woke up Thursday morning and they have took £29.98?? Any ideas why they would do this? Can i get it back? I do plan on calling but there not open till 9am thank you
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information overload
hi I am new to this site and have spent hours reading so many useful and informative threads. our situation isn't too bad compared to others however I am getting myself worried sick as I can see unless we sort this now its going to get worse. oh and I both had capitol one cards ,OH has gone to fpc debt collectors who have…
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Credit File Query
Sorry if this is in the wrong place, I wasn't sure where to post it! I was looking at my Noddle credit report the other day and noticed that with my addresses it said "not declared" on my previous address. When I filled out the forms, it asked about previous address's for a certain number of years 5/6 i can't remember,…
