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Im a noob & i have a question :)
Hi All I have alot of debt due to splitting up with my ex partner and i have just spoken with the debt free helpline, i put the phone down an remembered i needed to ask 1 more question (typical) The question was, if my new partner was to move in with me would my debt affect him? I want to try And become debt free in around…
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credit report question about searches
i have a significant amount of searches on my account which are dated 12/04/11. HOW long will it take them to drop off? I think its a year but does it fall off on that day or take some time?
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Snowball Calculator
Hiya everyone, I recently calculated my debts on the snowball calculator, and it seems nice and worked out, however what if the minimum payments on my debts get higher if I only pay the minimum amount on them? I have 2 credit cards on variable APR's and i've found out that if I only pay the minimim, the payment next month…
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Feeling positive about what I've achieved so far but sooo lonely...
Hello:wave: Gulp --- jumps in... I'm a very long term lurker and occasional poster; laughed and cried with some of you lovely people and completed and printed enough SOA's to redecorate my house! I feel so positive about the progress I've made in the last 4 years and accept the personal changes I have made as being the…
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How long before a debt is cleared
I received a letter from what a thought was a solicitors saying we are attempting to contact the named above person regarding a personnal matter and they have been provided with this address as being the possible residential details for the subject I was curious as the letter had my old married name on it that i havnt used…
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RBS Debt Guidance
Good day one and all, I've spent some time lurking in the background and seen the great help that this community can provide. So I'm hoping that someone may be able to help me with an issue I have. In late 2004 I opened an RBS student account with the maximum overdraft as I was planing to go to university and the money was…
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EOS Solutions (Freemans) Help!!
Can anyone help me? Some years ago around 2005/6 I bought some things from Freemans cataloge. I didnt have an account with them as it was a friends catalogue who acted as an agent. I didn't sign a credit agreement with them and I cleared the balance of what I owed. Now I have started getting letters to my new address…
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Any Dave Ramsey fans here?
I listen to Dave Ramsey show podcasts daily. I never listened to him when I was trying to get out of debt, it's a recent discovery. He's a very hard hitting debt councillor on the radio who doesn't take excuses off people. And is great to listen to. Basically he has these babysteps to getting debt free and wealthy: 1.Build…
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My SOA - should I be worried?
all sorted :)
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Student flatmate debt collection
Hi all, I'm currently living with two friends in privately owned student accommodation. Myself and one of the girls opened the other girls post after it had been constantly ignored (I know we were in the wrong here), and we found that we will be expecting debt collectors because she has failed to pay her tuition fees. My…
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CAPQUEST - Cold call
I had a message on my voicemail earlier this week from Capquest saying they wanted to speak to me. I had to Google them to find out that they are a debt recovery company. This concerned me as I have a job where you need to be financially clean so I went online and got a copy of my credit report from Experian. As I expected…
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Help required - Debt Collection
Hello all I have used the forum for a while and find the responses to be of great help. I am a first time poster so please bear with me... I am being chased by Lowell for a debt they say they purchased from Three Mobile in August 2010 (with the original debt dating back to 2004) I queried this with them as over the past 18…
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Help needed re Marstons bailiff visit please
Hi Folks :) I wonder if anyone can help me please? I received a letter last week to an old address from 'Marston High Court Enforcement Officers & Certificated Bailiffs' regarding an unpaid ccj a couple of years old. The ccj was for a credit card debt. Marston are threatening to send a 'Licensed Field Officer' to 'discuss…
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Santander overdraft, cannot get out of it!
Hi, we have an account with Santander, with an agreed £2500 o/d. It currently stands at £2615.26. This is because we no longer use the account, cancelled everything, but somewhere something like £4.50 dd went out, they bounced it, charged for it, and continue to charge for it, at £100 per month. I wrote nd said we'd fallen…
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Littlewoods Debt - passed on/sold to Capquest...
Hi, I had an outstanding debt with Littlewoods/Shop Direct Financial Services that I was struggling to pay and trying to get reduced, as it had on it nearly £500 of payment protection that I didn't know (and don't think I had) taken out, along with various late payment fees etc. I contacted them numerous times, trying to…
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Default removal??
Hi all, will try to keep this shortish! Back in about 2002ish my OH had his work shifts reduced from nights to afternoons, this came with a reduced wage of about 1/3 p/w. At the time we had several credit cards and a loan. We foolishly moved from one to another trying to clear debt but it always increased:mad: This carried…
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Bank moving savings to current acc??
Current acc and savings acc with HSBC. Today they move money from the savings acc to the current acc to cover some direct denits and a small overdraft. No notice given to me, does this sound right? Thanks
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Where do I start?
These are my debts at the moment. Some I am paying more interest on than others. They are not so out of control now, but I would like to clear them as they cost a lot to furnish. I don't think I'm in a position to consolidate. I'm self employed and my income is limited. I had a personal loan up until it was paid off before…
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Phonecall from mint
Hi we have just recieved a call from mint, now we pay minimum payment and don't miss as we are currently attacking other high intrest cards. Anyway the annoying thing is several minute into the call they start questioning and pressurising for us to pay more I'm very annoyed by this as I'm paying it and I'm not paying less…
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DCA pestering us for charge they added on(debt paid off)
Hi everyone. My partner had some unpaid Ebay fees to pay. We totally forgot about them due to a death on the family. A DCA called IQOR got in contact with us. We currently receive about 15 calls per day until 9pm at night. We paid the overdue amount directly to Ebay which was £22.18. We paid via their one time payment…
