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Lowell/Red/BCW/Mackenzie Hall
Ok, we all know these guys are parasites who pick on vulnerable people chasing debts which either do not exist or are statute barred hoping they will scare enough people into paying with pathetic scary letters and phone calls, They have pursued us for years, hundreds of letters for a debt that does not exist, I've given up…
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NDR/Littlewoods & mum in hospital
Hi all, first time here. My mom has recently gone into hospital and will be there for quite a period of time. Like many others she has debt owed to Littlewoods. NDR are on our backs to repay the money although this isn't possible at the moment due to herself being in hospital and only recieving DLA & Housing Benefit to…
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Debt Help Needed
Hi There This is the 1st time (to the best of my knowledge!) that I have posted here and could really do with some help. I so want to get a grip on my finances and pay off the 3 credit cards I currently have but feel like I am going round in circles never actually paying anything off other than the interest:( I currently…
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over draft and poor credit
Hi, I need credit card to pay off my current account overdraft the only problem is is that i have an average credit rating due to changing address and an ex-partner abusing the joint account:mad:,i have been refused credit cards in the past. Does anyone know of a credit card that can take bank overdraft transfers for…
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new and in need of some help :(
Hi everyone Am kind of new here, have read posts in the past but havent actually ever posted but, i really need to sort my money out. I have a total of £12,000 debt (shock to me but thats what it is) they arent actually credit as such more rent, council tax gas elec for current house. i have been so stupid and now i have…
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Advice re Debt Collection Email
Hi, I recieved this email yesterday re a loan I have with Speed Credit (Tooth fairy finance); This is a reminder that you committed to pay back your Speed Credit Loan** debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture. As part of settling this debt you are committed to…
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Making Over Payments
Hi All Quick Question re: Overpayments on CC i have a DD set up for each of my CC for the min Payment that comes out around the 2nd week of the month but i would like to make over payments the day im paid, so any left over money from the month before can go on over payments If i made an overpayent on the 1st week, would it…
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Forgotten Debt = Debt Collectors HELP
Hi, Three or four years ago when I was pregnant with my first child I was on benefits for a while. I mistakenly forgot to tell them about a minor change in circumstances as there were hundred of forms they were requesting all the time it seemed. Anyway this resulted in benefits being overpaid. At the time I agreed an…
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DMP & default but claimed back late payment charges!
I'm sure most on here are a bit more savvy than me, however have been on a DMP for approaching 3 years which will end this year. Checked my credit record and realised it shows clearly month by month when I had gotten into trouble with my credit card with late payments and ultimately default. So I took that info, used the…
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Equifax free report for £6.99
Hi im hoping someone can set me straight here as ive got bank charges for the first time in a long time and im so gutted. I signed up for Equifax in December and also Experian. I knew with Experian it was a free trial and I had to cancel my subscription but Equifax had me believing its a free report with additional…
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Being harrassed by a debt collector and don't know what to do??
Hello everyone, I’m looking for some advice regarding debt collectors contacting me to pay a debt and what course of action to take, any help would be greatly appreciated whether its what I want to hear or not. It’s the full story of how this arose so thanks in advance for reading. I got a phone call in March 2011 from my…
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equifax
I'm new to wanting become debt free and and wanted see if made sure got my debt right and didnt have anymore, so i joined equifax, i entered all my addresses since i was 16, all seems fair enough however i'm paying off a 657 hsbc credit card thats not listed on there? 4 of my accounts are 'defaulted' 2 of which went to…
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Hillesden Securities
Hi there. Not sure if this is the right place as newbie here. I have had a letter fronm a company called Hillesden Securities based in Northamptonshire. The gist of the letter is that I owe A.N Other bank a sum of money. The bank owed still exists and trades under it's usual trading name. The letter from Hillesden…
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Bank Charges
I am an old time member who visits now and again. Briefly my OH has a DMP with CCC's(3 years now) He has 4 creditors 3 of which have been excellent in stopping interest. One,namely nat west bank, whom my hubby had a £700 overdraft at the time, continued to add interest every month, even though they were recieving money…
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SAR request ignored but cashed cheque?
I sent a SAR request to Littlewoods in January, as I have about £72 in unfair charges on my account. They received the request on January 16th, and they cashed the £10 cheque I sent with the request. They have until 25th February to send me the info - however I've not heard anything yet. What happens if I don't receive the…
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How long will it take to rebuild my credit rating?
I got into £1300 debt on a credit card with an ex boyfriend who had no job (silly I know, but I was young and in love!). The card and account have been inactive for almost five years and I was under the impression that I had a Direct Debit set up to take the minimum payment from my account each month, as each month…
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Cabot Financial
Morning All, I have recently used the standard template letters to try and obtain signed agreements from third parties on debt, also, sent the follow up letters and thought that would be the end of it as I have not heard anything for possibly six weeks. Now had a letter from the above company stating that I still owe them…
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Is Noddle a scam?
Hi all After registering my interest with Noddle (https://www.noddle.co.uk/), I received an invitation to register. On 3 different occasions, I have tried to register (entering my credit card details each time) and was succussful. I get the "We've sent an activation email to you" webpage (valid for 24 hours) but the mail…
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Debt Management Programme
I have been on a debt management programme for the best part of six years. Initially I owed around £40k and I have now got this down to less than £20k through this programme. Currently registered on my credit file are 6 defaults, the earliest of these is Oct/2006. Am I right in thinking that this default will fall off my…
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Moorcroft debt agency...
First of all im sorry if not posting in right place, and hello and please don't judge me.... I got into alot of debt few years ago i was young naive and silly!!! i just took everything that was offered to me and not thinking of future... so fast forward to now and i want to sort life out and become debt free, I had 8 debt…
