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Confused - Default on credit file and worsening credit?
Hi all, I'm going round in circles at the minute and need some guidance before my head explodes. Many moons ago I got into a bit of trouble with my debtors, change in circumstances/redunamdacy and such and defaulted on a payment. I phoned the CCCS up, went through my details with them, arranged a DMP and have paying it…
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Weekly Spend Challenge w/c 19th Feb 12
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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What are hubby's choices?
My husband has a credit card debt of just over £6000 ( its been brought about by years of job losses and redundancy, swapping from one credit card to another to gain advantage of the interest free credit periods so he could meet the minimum payments each month) Around 12 months ago the minimum payments increased from what…
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Mortgage Holiday to pay credit card, yes or no?
Well this is what I was thinking; I have the credit card debt that is in my signature, however I want to clear it asap, work on my credit raiting so that I can buy a house in full and start a fresh. So I read the rules about mortgage holidays, so you end up paying more and you can only have 1 x 6 moth break in the term of…
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Dmp cccs
hi, I'm on dmp with CCCS. Everything running smoothly. Not missed any payments etc, but now I have a problem. My washing machine has stopped working & it's out of warranty. I pay CCCS £275 per month. I was going to use my dmp money to buy new washing machine, but Im really really worried about the consequences of doing…
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What Payments Do I Make
Hi all I have finnaly admitted Im in debt & need to sort it out, Ive have written to all off the companies I owe money to, Ive had a couple of letters bank but not many. Question is: My due date on some of the payments are comming around, I have sent letters telling the companies what I can afford but had no reply yet so…
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Can anyone advise me?
Hi all, I'm wondering if anyone can help me. I've gotten myself into a bit of a pickle.. I am a single parent with a baby. I was on sat mat pay and went back to work when baby was 3m old as I was having to pay nearly a grand in rent, food, bills etc and ends weren't meeting. I've never had any help from the government. I…
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Noddle linked address problems
Hi, Just wondering if anybody has had problems with the Noddle credit report not dragging through linked addresses from the callcredit system? I've moved flats recently and updated my address. My latest credit report only contains my current credit accounts and no linked addresses (so my closed accounts are not showing).…
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Advice Would be very much appreciated
Hello I'm in debt and really not sure what to do about it all, I have no excuse for my situation and am really struggling to sleep at night anymore. I have £3,500 on two credit cards, £1,000 overdraft and owe £2,500 on payday loans which I keep paying off by taking out more. I live at home and have to admit to being…
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Where do I start?
Hi everyone Okay so seeking a bit of advice as I have no idea where to start. In 2008 I got a credit card with lloyds tsb for £1000. Then in 2009 I got a overdraft for £300. I then fell pregnant and had twins so could no longer work. I kept up repayments until my relationship started to break down and could no longer to…
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Please repossess me HELP !!!!
Hi all Really need advive on a situation that has been hanging over my family for just to long now. To cut a very long story short. Handed my keys back to ge money because we were going to be repossessed anyway. The problem is we moved out and now over a year later we are still none the wiser as to what is going on. No…
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Consolidate my debts?
I tried applying for a loan which I could not get and I heard about debt consolidation but I seems I may need to a property to secure the loan against and I live with with parents. Is there any way to go in regards to reducing my monthly payments on everything I owe?
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recieving mail for someone elses debt
hi all hope someone can help: a few years ago i bought a repossessed house, used to get mail for the previous person but returned to sender and all was fine, baliffs used to visit and neighbour would say that the guy they wanted wasnt there as he knew the bloke's surname and obviously would say he has long gone and the…
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Wonga.com
Hi - I am not sure if this is in the right place so if not please feel free to move it! My 18 year old DS took out 3 payments from Wonga.com. :mad::mad: He defaulted on one of the repayments and has been charged £8 by his bank for a 'guaranteed payment' (even though the money was in fact in his account when the payment…
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Urgent help needed for F&F offer.
I have today received acceptance of a full and final offer to settle an account, it is with a DCA acting on behalf of another DCA managing a debt originally incurred with Natwest (Credit Card). (I have not tried to recover any charges on this account yet as I also have my main current account with Natwest). On my Credit…
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Moved house and I now have a bad credit rating
Hi Folks, My credit has always been no problem, luckily I've ever had any debt or money woes, however.... I moved into my current house 5 years ago. We started getting all sorts of letters threating a visit from the baliffs, court action addressed to the previous owner etc. When I tried to get a contract with Orange, I was…
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Credit card,unsecured loan, and Argos issue
I have a credit card from Halifax and unsecured personal loan,no PPI. I keep being harrassed by phone from Halifax despite it was agreed i pay £1pm payment which i upped to £10pm once i was accused of missing a payment to which i wrote to Halifax head office and they duly sent me 3 payments cheque. I have now taken phone…
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Advice from Barclaycard re lower repayments
I am now in a position where I can no longer afford to make my usual repayments due to a change in circumstances. I can only afford £10/month. And have advised Barclaycard of this today, see below. My repayments were originally £49/month and the least they could accept on the phone was I think £24/month. Spoke to an agent…
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CCJ Debt "Sold"
Hi I'm rather confused as to a third party company claiming they "own" a debt which a court has said I must pay to another company, who confirm that the new company "own" the debt.... but who owns the CCJ? Store card was with company A. Store card cleared/"closed". Moved house (2007), appears a new card was sent…
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Don't know where to begin, please help!
This will be long - sorry! Need to get it all off my chest and hopefully get some good advice. So, we have been a debt a long time but it was manageable, having just gone back to work part-time following maternity leave - we have a little boy who is now one. Did all the sums and we could just about manage with hubby…
