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hey guys sorry its been a while.
sorry peeps, my landlord disconnected the internet connection in our temp house so ive had no internet for what feels like forever!!! a quick update-- im getting married on 10th march and ill be reassessing my debts taking DH income into account too. He also has some outstanding stuff so hopefull new year, new house and…
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Esure insurance issue
Last year i had my building and contents insurance with Esure.This policy ended on the 24/12/11 and was paid monthly by direct debit. When it was fully paid i cancelled my direct debits.Esure wrote to me saying the direct debits had been cancelled and that i should send new payment details to continue the policy. In the…
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Ccj
Hello, my partner has a satisfied CCJ on his file. It was issued in December 2007, and paid in October 2008. It is not due off until December 2013. He has just been offered a job with a bank and they want a stamped court form to say it is satisfied. I know it can be done via an n443 form, but does that have to be done at…
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credit report questions
hi everyone, new member and this is my first post, sorry if it is in the wrong section as im trying to get to grips with the forum. i recently got my credit report as i am planning on buying a house in the next 12-18 months (first time buyer). there was a default on it which i settled today. i researched it and now…
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Being a bit thick - is it best to...
I have been lurking for a while! Need to get myself and my family sorted out by the summer hols as I would like to cut back my hours of work until the children go back to school in September.I need to make a dent of around £2000. Right so here is my Q. We have an OD, C/C and catalogues. What order should I clear them in? I…
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lowell
My OH once has a mobile phone on a contract with Three network. He cannot remember when, how long for or what his phone number was. We are talking at least 4 years as he has been on orange since before he met me, as far as he was concerned everything was all paid for but he cannot be sure as it was so long ago. I dont know…
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So Many Small DEBTS/REPAYMENTS...Help!!!
Hello Everyone, Hope you can advise on my situation, I have 5 debts thats are fairly small but not small enough that i can afford to pay them off and get rid once and for all...I am trying to think of a way to combine them all into one smaller affordable payment...over the months I have slightly overpaid and got them down…
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Do payplan sell your details?
Since friday I have had lots of phone calls from companies such as Harrington Brooks and others asking me if I want an iva or if I want to be on their dmp system. do payplan sell my details as all of these companies said they have received my details through an affiliate?
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Pay off overdraft
Hi all finally had my lb moment. Owe 22000 all on c/c except 2000 on my overdraft. Can manage things just and be debt free in 2 years:j Just wondered if I should go minimum payments on c/c for a couple of months to get rid of overdraft(not highest APR) or leave for for now. Any help would be appreciated
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Advice needed asap
right here is my situation any help or advice appreciated i bank with santander i have a loan out with them to which i owe roughly 2k left i also have a santander zero CC with a 3500£ limit which is currently clean but has no 0% or any offers on it currently ive been out of work for 3 months due to redundancy and have…
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Dca carter forbes collections
Has anybody heard of carter Forbes before. I got the following email from them & not sure what to do. P.s I am on a dmp but never had letter/or any missed calls from then. I am wondering if this is a scam, as they haven't even put my name in the context of the email. Dear Client, ! Your account is overdue with Carter…
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Equidebt - advice please?
Hi, ! A few days ago I received a letter from a company called Equidebt asking me to confirm if I am the person the letter was addressed to or if I have any information that could help trace this person. ! Also, if I ignore this letter they will assume that I am the person they are writing to and will take the next steps…
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some advice please
This might not sound like a lot of debt to most people, but to me its huge. I am a student so i obviously have loans but thats not my problem, i have spent my 1,500 overdraft simply by living. I come from a low income family so they cannot help me. The bank charged me this month for going over my overdraft in december…
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My SOA - please help but be gentle!
Hi everyone, Background info: 2 adults, 2 kids aged 13 and 16. I work full time, my partner doesn't work. Debts: We have a mortgage of £72k on our home bought 6 months ago for £183k. Mortgage is on a 2 year fixed rate of 3.39% til August 2013. £950 overdraft (I only use it as a 'cushion' near payday) £1200 limit on Capital…
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Aktiv Kapital - Help please!
I have just received a letter out of the blue from Buchanan Clark and Wells who state that their clients name is Aktiv Kapital UK Limited. It is entitled Verification Letter. It says : Dear Mrs , We are trying to contact Mrs ....... ........ with regards to a private matter. We have confirmed your address through a credit…
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In need of some advice
Hi Guys, I've been reading this forum for a while now and thought I would try and get some advice on my current situation. My most immediate problem would be my Natwest overdraft which has to be halved by July (down to 1000) to keep it interest free. In addition to that, I have pretty successfully managed to build up a…
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Trust Deed
Trust Deed for 3 years paying £197 a month. After one year being unemployed I got a job and found out I was entitled to working tax credit which was for £206.I took out a Trust Deed and for the first few months all went well then disaster my working tax credit stopped as I was no longer entitled to receive this benefit. I…
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Employer credit checks
I have applied for a job in a call centre for an insurance company, handling claims on policies (car insurance). All was fine until I received an email with forms I need to complete, before the next stage of interviews which include permissions for credit checks. I have an old CCJ (4yrs) and a couple of defaults. We have…
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At last
Finally finished paying Moorcroft(started as Citicards), thought it was never going to happen
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At rock bottom
Hi all, I'm hoping someone can help quickly with this as I'm now at rock bottom. I've got a mortgage with Santander, currently being looked after by Eversheds as I have 7k in arrears. I went to court in November & got a suspended eviction based on my monthly payment plus £50 towards the arrears. I made the payment in…
