-
Differing credit reports
Good Morning If anyone has some help or advice on a few issues please reply! During my youth I was'nt very good at managing money, paying rent etc etc. Over the last 4-5 years I have slowly built up a better credit rating and have succesfully applied for and granted credit cards (which I have paid off in full). About a…
-
Paying off husbands debts
I'm pretty sure I know the answer to this one but I just want to double check, my husband is currently in a DMP, which has resulted in my mortgage application being declined. After doing a bit of ringing round we've managed to get a figure for paying off all his debts and its not astronomical, £4.5k all owed to debt…
-
Defaulted Credit Card / Loan Advice Needed
Hi, I'm hoping that somebody can offer me some advice as to what I should do. I suffered from a gambling addiction that lead to me spending 10 months in residential rehab five years ago. Since then I have had the occasional relapse, but have now turned my life around, working hard I have also got married and have two…
-
How bad would you class this debt?
Crippling? Bad? Average? £1600 Overdraft £5700 Personal Loan £850 Barclays Finance (Laptop) £900 (Credit Card) Making payments on all. Just trying to get a basic idea how bad you would consider this.............
-
h and t cheques
hi,any advise on this?, i have some H and T payday loans on guaranteed cheques,i have read that these cheques are no longer guaranteed by bank,i am thinking about doing a DMP and wonder if H and T bank cheques will they be paid even though i dont have money in my account to cover them.should i contact H and T before they…
-
Community giving for debt
A quick question to throw out ... if there was a community giving scheme where, say, £10 or £20 was payable six monthly, but those who contributed could apply to have all or part of their debts paid off (subject to certain rules/criteria) who would participate?
-
Friday 23rd March - What small DFW things will you do 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…
-
Statute Barred?
I have been searching the web for a while trying to get information but my situation does not seem to match any I can find. I got a contract mobile phone in 2006 but after several problems with my bills, which my mobile phone service provider failed to resolve or even acknowledge, I tried to return the phone and cancel the…
-
Contract phone ruined credit rating!
mod could delete thread... would be good.
-
Got some questions
Hey all I was made redundant end of last year and been doing work through agencies which has been fine up until last month when the work died down. At the moment I'm on JSA which is't enough to pay all my bills. I owe Halifax and Tesco £6.5k and I've been in contact with CCCS and they have advised me to pay my creditors a…
-
Default or CCJ?
Which is worse? And why? Always wondered.
-
Countdown to DEBT FREE
Currently this is what our (my Wife and I) debt collectively stands at after recent interest free credit cards switches. We have been too lazy, irresponsible with Credit cards over the past 3 years and only we can do something about it...OK here goes the debt is; Credit Card 1: -£300 (Interest free 15 months) Credit Card…
-
Baliffs threatening son who no longer lives here
My son moved out and into his girlfriends family home to be with her and his children ( she doesn't want to leave her mum alone), in 2001. He has always kept my home as his address, as her mum prefers it ( not benefit dodging mother works full time as does son so only benefits in the that house are child benefit ones.…
-
interest charges taking you over credit card limit
Hi there, I have a question if anyone can help? I have just begun my journey of getting out of debt with the help of national debt line and CASHflow. I have sent off my financial statements and letters offering reduced payment and asking to freeze the interest. I usually pay all my credit card bills on payday which is…
-
Default Removal
Just cleaning up my credit file and being quite successful but I'm a bit stuck with an old O2 account, now sold to Lowell Group. Be great if you could answer a few questions. The entry under O2 on my file is green and settled, Lowell is in default. O2 never defaulted the account, although I'm sure they sent letters at the…
-
50% Offer
Hi All, Had a letter from Moorcroft Debt Recovery today We are pleased that you made arrangment to pay your Aktiv Kapital account which we have been instructed to recover. To say thank you we're giving you the opportunity to clear this for less and sooner. We would like to offer you the chance to save half the amount you…
-
How to set up separate pots?
I've just done my SOA (on separate thread) and now need to make it work in real life instead of just on paper. That's where my previous budgets have always come unstuck in the past. It's all very well saying I've got £10 a month for the dentist or whatever, but in reality if my roof leaks and there isn't enough in the…
-
MSE News: OFT cracks down on debt management again
This is the discussion thread for the following MSE News Story: "Debt firms have been ordered not to mis-lead consumers with unclear information..." Read the full story: OFT cracks down on debt management again
-
Continue with DMP or try for loan to pay off outstanding debt?
I am currently half way through my DMP with just under £25k and 4 yrs left to to. I went onto the DMP when my husband's business partnership fell apart. He has recently started work and my annual review is due. I am not sure what to do as it has been nice to have money in our pocket. Do I declare that my husband is now…
-
CCJ set-aside query - help, please
Hello, Money Savers, Hope you are well, and I apologise in advance if this is a stupid question :o I am writing on behalf of my partner; both of us are chronically ill – I'm her carer. My partner has always paid her debts, until she was finished at work due to ill-health. In 2007 she suffered a heart attack. I was at home…
