-
Please help me! Equidebt, defaulting
After sending a letter, on the 24th January, to Equidebt saying the loan they are chasing is statute barred and we don't acknowledge it, we have a letter saying you have defaulted on your credit agreement, this can no longer be seen as an oversight, blah blah blah pay us now. I don't think they have received the letter, it…
-
Advice needed desperately
Hello. I’m hoping to get some advice from anyone who can help really. I’m 60 years of age, male and live with my wife. We have a number of debts with Credit Card companies, banks and loan companies, all of which have been passed to third party debt companies and we now manage the accounts with very small monthly payments…
-
Newby on a mission
Morning Everyone Been a long time lurker ;) and have finally took the step of adding it all up and will make today my offical light bulb moment :o Have picked up so many good tips and ideas on here and would like to join your world of knowledge for which I have used many times. Anyway, we are now officially fruguls and…
-
Assosiation on credit reports
I've checked 3 credit reports (noodle, experian and equifax). On all three both my parents are named. Both have a number of defaults and 2 ccj's. I have reported it to all three companies and need to wait 28 days, but why are they there in the first place? I've not lived with them for 11 years and I barely speak to them.…
-
major expense when on a dmp?
Hi We have now been on a dmp since end 2009 and have paid off about 17K :T However still a long way to go as DFD is May 2015 - it has been going ok BUT we have had major problems with our 2002 Ford Mondeo and now it looks as if we can't afford to keep it going . My husband needs a car to travel to work so basically we need…
-
Any experiences of Unsecured Loan Company.net?
I'm so p*ssed off with this company (but fully accept that I was a bit of an idiot for falling for it in the first place...retrospect is a fine thing) Basically they called me after I sent an online enquiry and they said I'd been pre-approved for a loan of the exact amount I wanted (12k) despite having a poor credit rating…
-
newbie to the group need u help
My new husbands ex-wife has run up debts in there joint account of 1162.62 an when he applied for a mobile contract was turned down and this is when we discovered he had a default from 2010! His ex is denying all knowledge and is ignoring all our attempts to find out why she let it default now heres a few points # he had…
-
CashGenie...a warning to all!
Hi there, Just thought I'd share my horrendous payday loan experience. A few years ago I took out a loan from Cash Genie for £150. The repayment didn't go through so I tried to sort out a payment plan with them. They ended up selling my account to a DCA then recalling it when I called them up to discuss a new payment plan.…
-
Thurs 2nd Feb - What small DFW things will you be doing today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Post debt worries
So I'm almost done clearing my debt. Either this month, if not definitely next month, I should be debt free. Whilst this may be cause for a little celebration, there are a few issues putting a dampener on things: 1. Getting in to debt in the first place and the struggle to get out kind of cancels out finally paying off the…
-
Defaults
Just been on noodle to check my credit score - i knew it was bad anyway... my score is 1 of 5 :( anyway if i call the company and make a agrement to pay it off in one or installments once its paid will they remove my defaults from me account so i can get credit later in life - ill make a note of whats on my account at…
-
One down, several to go
Hey guys, I have several overdrafts left from my student days, which are now beginning to attract interest - and a credit card which will be coming out of it's 0% period fairly soon. I have just cleared off my visa card, but my question is - which should be a priority for me now - paying the high interest debts or paying…
-
Debt Settlement Offer %
Hi All, new to this board, so hello. I am currently in a debt management plan with the CCCS, due to the recession and redundancy etc and the fact i couldnt find a job for nearly 2 years after being in a well paid position, i am now in full time employment and getting my life back together, however i still owe circa £46k to…
-
Bristow and Sutor - Letter re: neighbour
Hi, I'm after some advice about Bristow and Sutor. I am not in trouble with them, but have received a letter regarding my neighbour. I wasn't sure where to post but hope that some DFWs might be able to give me some guidance if they have any experience of them. I have looked them up on search engines and discovered that…
-
Totally Clueless and Confused but Grateful Newbie
Hello all fellow DFWs, Although I've had an e-mail subscription to Martin's Money Tips for several years now, I've always found the site a bit overwhelming, stuffed full of information that I haven't been able to look at properly because the whole issue of debt arouses extreme anxiety in me- but today is the first time…
-
Hello - this is a new start for me - looking for support!
I've been registered on this forum for ages but haven't really used it. We had a debt crisis about three years ago and were advised to put our debt onto our mortgage which we did. Whilst this got us out of trouble it didn't really significantly change our habits (or not for long anyway) and I feel things are starting to…
-
Debt mgmnt - please help
In October 2007 I consolidated just under 20k of debt with a company called Fresh Start, now Harrington Brooks. Paying £320 a month ever since and not missing a single payment and after 2 months of trying to find out my balance remaining, I finally received some paperwork today advising that I still owe £15000....!!!!! For…
-
Advice needed regarding TSB
Hi, I am writing on behalf of my brother who is experiencing some financial difficulty at the moment. Any advice given is greatly appreciated. The problem: He had a current account with tsb and was swapping over to a new account with the same bank. He called the bank and cancelled all of the direct debits from the old…
-
SOA Help
Hiya, I'm a regular poster on other boards, but often lurk here too. I posted a while ago looking for advice on our SOA, and the advice I received then was great. Our situation has changed now, in that I am facing redundancy in the next few weeks from my main job, will still have a second job but it won't bring in a great…
-
Help Re: DAS (SCOTLAND)
Hi can anyone tell me who to enquire to about the DAS Scheme? CCCS told me about it as an option, but i googled it and within 2 minutes some company phoned me .... unwanted phone call. Dont think it was the reputable people I wanted to speak to, so I ask you instead, if you can point me in the right direction???? Many…
