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DMP & Car Finance
Hi all Another day, another question! We're considering a DMP & it looks likely that we'll proceed. However, my Husband has a car allowance paid as part of his salary by work which we use to pay for a PCP on a car. The car is required as part of his role as he regulary travels for work to see clients. We are nearly halfway…
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Bad move? advice needed please
Hello, Just wanted some advice if I may :beer: OH's parents have a time share which they pay into.. £600.00 a year for a week's holiday.. they have asked if we want to have the timeshare deeded to us in the future when the worst happens (a long way off) lol sorry to be bleak :-/ they are only 50. They have said we would…
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Paid off £7,000 worth of debt today!
Someone didn't tell me it felt this good to get that off of your chest. Chin up people, all the best for the rest of 2012, I assure you the feeling is worth it. :beer: ... sorry if this is in wrong forum.
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Orange & Capquest Defaults Need Help!!
Hi I wonder if you can help me i have 2 defaults on my account one from capquest and one from orange the capquest one i have agreed to pay 240pounds of which i have paid 200 and have 40 to pay next week and the orange bill i have 175 left outstanding. these defaults are from 2009 and 2010 i need some advice on how to…
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Help with A Default on my report from BCW Group
Hi Guys. Thanks in advance for your time reading this. Any help is much appreciated. A few years ago I got into financial difficulty and had arrears with utilities etc. I now have all these paid thankfully after hard work and cutting back. Last Year I searched my credit report and there was an entry from British Gas as a…
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cc debts mounting please help!!!!
I run my own buisness that has struggled with the ression. I am a company director my own debts are now at £25000 and as i am struggling to take a wage have maxed out credit cards to the sum above. Each month my dd for cards are now bouncing encuring late fees over limit fees and interest then bank fees for unpaid dds.…
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Need advice on upping my credit score
Hi guys not sure if this is the right section to ask this. I couldn't find a specific thread. Looking to up my credit score. Just recently had a couple of old default accounts removed from credit file after 6 years, and am now wanting to get my credit score back on track. Got an image of how my file looks. I think the main…
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Need some help please
I have debts around £16000.Last year i set-up an IVA which was due to commence in August[2011].Unfortunately,i did not have the money to start this so the IVA failed. Obviously,creditors picked-up on this and i have started to receive letters and calls from them. I have 2 ccjs and i have about 20 creditors in total. I am…
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NAT WEST DEBT (Triton Credit Management)
Hi all, Hoping for a bit of advice. I have had a debt with Nat West since 2007 which I have been making regular monthly payments. Since the paymnet plan was put in place, they have had an Income / Expense statement at every 6 month review. At every review, I have increased my monthly payments. My Income & Expense statement…
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How can i find out if debt is statute barred?
Hi there, My husband is being pursued by Lowells debt recovery for @£7000 debt to a credit card. So far, they have just sent a letter every few weeks asking hubby to contact them to discuss the debt which he hasn't. Today he received a letter telling him that they had checked his credit file and that he was making other…
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Equidebt agree statute barred but still asking for payment
I recently had a letter from Equidebt chasing for money. I knew this debt was statute barred but was a little worried as the original company chasing it was Aktiv Kapitol. I had advised Aktiv Kapitol that the debt was statute barred and had heard no more until i received the letter from Equidebt. I wrote to them advising…
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F&F getting it in writing
we wrote to one of my partners creditors with a F&F offer which they wrote back saying they accepted. we used the standard F&F template letter on national debtlines website which stipulates as part of the offer the creditor will update any credit records and that the debtor is no longer liable for the debt etc etc. we…
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O2 Deny posting on my Credit Report!!
1. Opened a Lloyds TSB Current account two and a half years' ago, which came with 'free' ID Aware monitoring. 2. Some time later I noticed a 'linked' address was being confirmed by Lloyds TSB even though it was and never has been in any way linked to me. 3 Last year I asked Lloyds (ID aware) to remove the information, but…
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From which date will my record be spotless
Just been looking at my credit account and have a default registered 10/06, which I know will clear later this year. However, it also shows CCJ for 03/06, so which date is applicable? My only other default has dropped off. Have cleared all my debts, thank goodness. Assume that I am looking at the Oct date as the all clear,…
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Bailiff advice
Hi I have had a bailiff attendance letter posted through my door to recover outstanding council tax of £293.00 - luckily we were away at the time so the bailiff was unable to gain access to the property and no levy has been issued. I have since spoken to the bailiff and the company he is employed by and the account now…
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Credit Report/File
Good Afternoon, My finances are currently on the way to recovery after years of money problems. As a result my credit file is pretty bad. My girlfriend of a year has an impeccable report and has managed her finances very well throughout her life. My question is, if she was to move in with me, would there be any chance of…
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Very Very Very Hypothetical Question
DH and I have about £20k of unsecured debt, we are managing fine and really trying to get on top of it as we want to return home to NZ with our children in the next three years, two yrs to clear the debt and a yr to save. Only I just read another thread about someone leaving the country and being advised that their debts…
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Section 77(4) only prevents us from pursuing recovery of the debt through the courts
Hi Having made a subject access request to Natwest re an old loan debt I received the following response: 'We regret to advise you that the Loan Agreement form has been misfiled and, despite searching our records, we have been unable to locate it. Our record of the setting up of the loan has insufficient detail to enable…
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CCJ - NO paperwork received
hi I moved house a year ago but found out recently that i had a ccj against me and i didnt know it turns out they sent the details to my old address, is there anyway i can get rid of it, i dont mind paying the debt because it is only £250 i just didnt know that i owed it untill 2 weeks ago. i would appreciate it if someone…
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Right place to post?
Following a drink problem lasting several years, I find myself in hock to various cards to the tune of ~£10k. I've been dry for 2 years, and recentlt stopped smoking, so I now have fluid funds (when they're available - I'm self employed and not working due to injury - 4 weeks off to go) Anyway, breakdown is thus: £3172…
