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Cabot financial
Hi, I received a txt today from cabot financial and then came home and found a letter stating that they recently obtained confirmation that i lived at this address and my account is overdue and they need to talk to me as soon as possible. I was no angel when i was younger and ran up a few debts, i had sheriffs officers at…
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Quick q, need reply before midnight if poss
Hi guys, Im in the process of changing accounts from TSB to RBS but Im contacting companies myself to tell them my new account details and havent spoken to a few yet. 3 of those were due out tomoro, as wages are now being paid into new RBS account I had to go to TSB atm tonight to pay in money to cover the 3 payments due…
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Advice needed please
Hi Everyone, I've been talking to payplan regarding my debts that total 38k over 8 creditors, I've done the budget with them and theve come back to me with 2 options 1. DMP of £290 for 11 years or 2. IVA of £290 and a remorgage but I only own 20% of my house with my wife owning 80% due to her putting all the disposit down…
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Letter demanding payment from Lowell & Co.
Hi all, I have a problem that I'm hoping someone on here can help with. This morning my MIL received a letter from Lowell & Co. chasing payment of an alleged outstanding credit card balance for a credit card my OH and I had several years ago with HBOS. At the time we had the cc we were living in Scotland but emigrated to…
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CapitalOne Default Removal Attempt
Hi All, I have been trying to get a default removed from my credit report. I had an account with CapitalOne some time ago and they placed a default on my record and I only realised this when applying for a mortgage. The account had long closed. I sent this letter first .... etc. etc. I'm sure you know the template. I…
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UDC debt collectors started bullying me after a year
Long story short. At our previous house, in our tenancy agreement we HAD to stay with Utility Warehouse, we later found out our landlord was some form of member and got a percentage of the money we paid. We got into a mess with gas & electric and owed £1348. To pay this off I had pre-payment meters installed and paid £3 a…
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Moving away from DMP Company
My partner has now told the DMP company (GP) that he no longer wants them to act on his behalf and we intend on doing a DIY DMP. The money he will save himself is £75 per month. We are going to distribute this between his 6 creditors proportionate to the amount owed. This will save him around 3k and enable him to pay it…
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Partial settlement
Hi, first post! I have some debts which have been cleared of my credit report (6 years have past). I am still paying the debts off monthly. The question is if i agree to pay a debt of partially , can the creditor mark this on my file if the entry no longer exists? Can they put a new entry on? Many Thanks
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Breaking Point....again!!
I know they say what doesn't kill you makes you stronger...but come on, this is getting me so down. my history (catalogue of disasters): 1) LBM 11 March 2011:idea: 2) Spoke to CAB gave SOA decided to go for a DAS (Debt arrangement Scheme). 3) Couldn't get another appointment with my Money Advisor (MA) till the May as they…
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Fashionworld
Hello All, I need a bit of advice, if possible, I/we have been merrily pootling along for over two years now with our Payplan DMP when my wife mentions that Fashionworld are still charging fees etc. The original debt was £628 and two years on is is up to over £800! I reckon by the time all the other accepted debts are…
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move to 0% overdraft?
Got £2000 overdraft at 18% with Natwest plus some c/c that I am trying to pay off. Would it be worth moving to Santander 0% o/d for a year. Only problem is not sure I can get rid of full amount by end of year. Thanks
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Good News at Last!
With my fiance just admitting to how much debt he was in at the end of last year we have been scrimping and saving every penny since to pay this off and finally things seem to be going our way. Put in 2 PPI claims on credit cards he had and both were successful giving just under £1000! Thats one card basically gone now!…
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DMP and Divorce
Hi all We are shortly entering into a joint DMP with some of debts being mine & some being his. Being a practical person, if we were to get divorced whilst the DMP is still in force, how would it work? I'm happily married however thought I'd better check! Has this happened to anyone? Thanks
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Defaults on Experian
Hi all, any advice would be appreciated! I recently settled an account that was defaulted and listed on Experian as such. Now my question is this, now it's paid in full, should the balance just be at zero, or should it show up as settled and not in default? I initially thought the former, as the debt did still default…
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Timeframe Debt Collectors Can Call at your House
I owe about one thousand pounds to a catalouge. I am not disputing it and have tried to sort out a repayment plan. The company (Reliable Collections) agreed with me that i could pay 30 a month, I set up a direct debit and the first direct debit they tried to collect was for 80 which they tried to collect 4 days earlier…
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Probably Silly Question Re: addresses and Bank Accounts
Hi Guys I was wondering if you could answer a question for me. I lived at an address but have since moved but a friend of mine has moved into that address, this was about 8-9 months ago. i have spoke to him today and he said that a company (one of the company's i happen to owe money to) has taken £xxx amount out of his…
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Arrangement to Pay, Worse than Default??
I have an account from 2009 on my credit file with an Arrangement to Pay warning. Is this worse than a default? Or just as bad?
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Cap Quest
Hello, Have read a few posts about the above collections company and just want to know if anyone has sucessfully got them to go away? I recieved a letter the other day telling me they had bought a debt from a bank account that I closed years ago, so long ago that they addressed the letter to me in my maiden name and I've…
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In a crisis
Hi - new member here. I need some advice if poss. I currently owe 10.8K on one credit card and 2K on another. Both are now maxed out. Ihave a personal loan from my bank of 16K, which has just under 5 years left to run. I've now got to the point where I can no longer afford to make the payments from my monthly salary. I've…
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Credit Report Help (Defaults)
Hi, I obtained a credit report from Experian a few months back and there was one (I feel) thing missing. I had a MINT credit card (which I think was backed by Natwest) and also a Natwest Credit Card. I defaulted (to my knowledge) on both of the accounts but only one of them is showing on my Credit File. Is it possible one…
