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finding £4 default...
I'll be honest, I thought I'd just about put my debts behind me. I cleared my last balances just over a year ago, business is good and it's time to buy a flat. I'm putting down 15% on a £300k place, my affordability shouldn't be an issue, my income is now in 6 figures, zero borrowing, no dependents etc etc A fly in the…
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Quick Question on keeping a spend diary..
I plan to do a spending diary for a month but do I start at the point I get paid(25th) or 1st of the month to last day of a set month? Or doesn't it matter! Cheers F
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sexyshark's debt free journey
Hi:hello: Well the journey starts today:j I have 5k of debts,:( 1st DMP payment comes out next week, the spending diary also starts today and I feel like a weight has been lifted. Just hope my family does not find out_pale__pale_
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can bt default my credit file
Hi I received a letter from a debt collection agency SRJ at my new address stating I owed BT £26 from an address I lived at 15 months ago. I stated to this company I did not owe BT anything and they said they would send proof in the post. I called BT any the said the money was for a phone rental. I asked the guy when I…
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Bank Smart Megga Problems!!
I had a very frightening email from Bank Smart and I dont know what to do!! I have been sending loads of paperwork including bank statements, to an address which they gave me based in Truro, Cornwall. I received an email from them this morning and I am scared; they are claiming NEVER to have received any paperwork from me…
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Friday 24th Feb - What small DFW things will you do?
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…
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Half Way There Nearly!
Hi Myself and OH have been on DMP with CCCS since December 2009 when our unsecured debts at their highest were £78,000:eek:, just over two years on and debt total is now just over 48,000. What on earth did we do with all that money, it makes me feel sick thinking about it. CCCS have been brill taken much stress away and…
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How I'm going to be debt free!
I just wanted to let people know that I have an awful credit rating, have been turned down by the very worst of companies for a loan and was just accepted by my own bank for a decent sized personal loan. I would have never thought to try this as assumed everything previously said would rule this out. If you haven't…
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default, potential ccj, need advice.
hello everyone, was hoping i could get some advice on my situation. i had a natwest account that defaulted in august 2006 for £1500, so in 6 months that will be 6 years and will become 'SB'. I know i will still owe the debt but then drops of my credit file as i understand it. It is also my understanding that they can apply…
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Help incorrect default on my credit report
Hi there, i am completely new to this and hope someone can help me... I recently used the useful tool on here to sign up to Noodle, the new free credit report. Anyway ive noticed that although i have been paying off my debts since 2009-2010 and only have one remaining debt outstanding, i am still unable to get a credit…
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HSBC credit file markers
Hi all, I've checked my Credit Reports lately and have noticed that HSBC, in 2010 listed five "1" markers for late/overlimit payments through out the year on my Current Account, BUT all of these sums were for balances of between £1 - £9 overdrawn, which I either paid money into the account the same day, or the next day. My…
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Next Defaulted £40 - now trying to fob me off
Hi all, I've been browsing this forum for quite some time, and actually using some of the advice been given here. and alas it is my time to come for some help....:A , I don't know what to do, have i got a leg to stand on? Okay to set the scene. 02/10 i brought a bed (£200) from Next online, and i think they automatically…
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Red debt collection
I had a letter from Red today too threatening Hamptons legal which doesn't really bother me that much these days cos i feel as i am still paying i am not in the wrong- after ignoring Lowell because i am too ill to deal with things properly...for a debt with Argos that i am still paying at £10per month via Standing Order…
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DMP plan and reclaims
Hi, Just seen the discussion about Cahoot loans and the interest hike. I have such a loan, but before I check on the rates, can you let me know if I can still claim against it if it is included in a debt Management Plan? Same applies to claiming PPI, can I do it if it is in the DMP? Thanks for any help!
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Letter from po box 8743 bellshill
I have received a letter today fr po box 8743 bellshill ml4 3wu. I have just read the post and can see it from mh but I don't owe anything I have never had a credit card or a loan or a store card. I don't believe in spending money u have not got. I had a call from 1st credit and they said was to do with a credit card and…
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problems with argos
I am currently doing a self debt management. Argos have agreed my figure of £20 per month but with interest 9% and on asking how much this would be each month, I wasinformed £14.00. Therefore, paying £20per month would only reduce my account by £6.00 per month. I was also informed that the amount nowoutstanding is…
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Dealing with a default
I just looked at my credit record and seen a t-mobile default of £100 from april 2008, which I no was silly but I was wonder the best way to deal with this. I can easily pay £100 right now but I was wondering how that affects my record? because in 2 years it will disappear from my file wont it? If I pay today will it start…
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Capital One + Cougar. Advice please.
Firstly, Hello, Im totally new to all this (Both the forum, and realising its actually time to stop burying my head in the sand!) and so when I saw this website I thought Id join up for some help. Im in Debt. Its not a stupidly huge ammount of debt, but with a fairly low salary job and a family it sometimes feels like it.…
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Scottish power debt
Hello all, my first time posting here but really in need of some advice. I have a debt with scottish power for my electricity bill. When i first moved into a house of my own, they were sending me estimated bills and i hadnt realised, when i finally gave them a meter reading i suddenly owed £450! I paid off what i could and…
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F&F declined - what next?
Hi - long story short, hubby who is the bread winner is being made redundant so we loose our main income, we are on a DMP with CCCS and have written to our 9 debts offering 'without prejudice F&F' offers. In total owe £25,678 - we offered each one 25%, wasnt really expecting them to be accepted. A couple have replied…
