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Paying Things Off Early, Better For Credit Rating?
All, Had a 'Home Learning College' loan for a course, was £48 a month till August this year. However rang up and paid the whole lot last week. Does things like this help or wreck my score? Also does a default last for six years? Not got one though. Regards
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DMP and renting a house?
Hi all, I wonder if someone would be kind enough to offer me some advice on the likely hood of renting a house whilst on a DMP? I've been on a DMP for 2 and a half years, I owed something like 32k all in and I'm down to 9k, I can't wait for the day to be debt free like most on here. Circumstances are about to change, we're…
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Not far to go now but.......
Hello MSE forum, Im a first time poster and looking for a bit of advice maybe some decent ideas on how to resolve my problem. I have three outstanding Payday loans and where as I can afford to pay the interest and a bit more each month, I cannot afford to clear them all in full. my totals are below. Payday express - 650 -…
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My SOE... At last..!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1400 Partners monthly income after tax....... 0…
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Can it be written off?
This may be a really stupid question but does anybody know if its a waste of time writing to my creditors and asking them to write off my existing debt? Basically I have been on a DMP for over 3 years with 5 different creditors totallying about £40k. The debt overall now is about £16k but it seems like this is taking…
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moving and dmp
Hi all, Not sure if im posting in the right place, apologies if not. Basically been on a dmp with CCCS last year, self managing this year now since January. Have got mortgage arrears that we are paying off, should be up to date by june. anyway, my question and point of this post is this:- Due our large mortgage, OH is now…
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Change of MSE Username
Does anyone know how I can change my username on here? After people saying that debt collectors etc come on here I want it changed haha.
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Advice please .
I have received a County court Claim form saying that i owe 1223.37 and the debt is with Provident personal credit . I have never taken a loan out with Provident its in my old name which i haven't used for 8 years what is the best advice in dealing with it
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Can I close a catalogue account with a balance?
I want to close my Simply Be account because I don't trust myself not to order more stuff I don't really need... I know that sounds like a cop out but I always manage to justify it at the time! They say I can't close it until it's paid off. Does anyone know legally if I can ask them to close the account or make it so no…
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Advice - can I get Interest frozen on CC's for 12 mths?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 0…
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Offered Natwest F&F. Triton sent me a 'partial settlement' offer
Sent Natwest an F&F offer last week of £2200 for a £7300 outstanding figure. Got a letter last night from Triton Credit Services on behalf of Natest/RBS saying they couldn't accept that offer. Instead they'd accept £6500 or the £2200 as a lump sum and then carry on making my monthly payments the same. If I took the £6500…
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Most over-priced banking service?
£10 to draw a cheque (counter cheque) up in my local branch. Still stunned now. Thats one expensive piece of paper!
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My Debt Free update
Hi all, it's been a while since I posted about my original debt issues. Over the past couple of years, I have managed to keep my accounts in the green and was allowed a contract phone! (shock horror!) One of my two CCJ's has been satisfied, and the other one will be paid off next year which is great. My old debts to Lloyds…
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Thursday 22nd 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…
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Advantis credit
Hi, Hoping someone can help me. I moved in to a new property in January and got set up with a telephone line. I was getting calls askeing for a woman, someone who used to have the number. however it wasn't me and I had had enough of it so I rang Virgin and got switched to a new number. I gave this number to 5 people. 3…
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Do I need to pay?
In 2005/06 we had central heating installed in a property we were renovating. The boiler and radiator system were not installed to our satisfaction and months went buy trying to resolve the issues. The boiler used excessive amounts of gas and didn't heat the radiators. Every part of the system was installed by this heating…
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Incorrect entry on my credit report
I'm back again! This time it isn't a way to get a bully debt collector to back off - this time it is someone taking the mick on my credit report! Over the years since I initially defaulted back in 2001 - I have spent a great deal of time and effort in cultivating my credit report and have been doing a rather fine job.…
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Default with Orange/Everything Everywhere
I have a default on my credit file from October 2006 which is for an Orange phone contract that my ex ran up. The name on the credit file is 'Everythingeverywhere T/a Orange'. I have spoken to several people at Orange (including someone from the Executive Office) but they are unable to find the account on their system…
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21yr's old, Need Help
Hi, Currently i am in quite abit of debt due to being silly over the past few years and now i have decided to do something about it as i am losing my job. Basically my debt is as follows: Barclaycard £1400 RBS Credit card £1900 Natwest overdraft £600 Santander loan £2900 remaining. (£150 p/w) So i have £6800 in the red!…
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Where do I stand with these entries on my credit report?
Hi all Back in 2010 I had some problems where my expenditure exceeded my income for various reasons. As a result I was exceeding my OD limit on a monthly basis for 4 months. The bank allowed most payments to go through regardless, however there were a couple of bounced Direct Debits. These months are shown on my credit…
