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Default
Hi I had a default registered on my credit file from a loan with Lombard bank from going through a dmp which im still paying now.The date of the original default was April 2001 and was removed after six years being April 2007. I've just checked my experian credit file and the default has reappeared with a new default dated…
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RBS Branch Sale to Santana Question, HELP!
Got a bad debit with RBS (loan) posted a while ago and was advised to get a current account with a different bank so they can't just 'offset' my wages etc to pay the loan off if we fall out on our arrangements. Set up an account with Santana where my wages go as of now and just bloody learnt they bought RBS branches in…
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Can I check my credit rating in confidentiality? Or does Experian share my details
Hi Folks I'd like address some old debts and start to pay them off. According to CCCS this should begin by me making a credit check with Experian. I want to be fully aware of what this would mean. If I enter my details on the Experien website, who else can gain access to these details? (My creditors are unaware of my…
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Default by default
I know that there isn't much I can do on this but would like to know how I can get info on the account without admitting liability. In 2000, my boyfriend at the time and I opened a joint account with the woolwich to save for a trip to Ireland. Saved about a thousand, withdrew most of to pay for the trip and never used the…
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Really Scared
Hi all I hope someone can help me, received a letter a couple of weeks ago from equidebt on behalf of aktiv kapital i rang em and said thats not me ? and they said that they would remove my address. i haven't had any debt for over 14 years and this morning i receive a letter from them saying i owe them over £1000 and they…
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Has anyone managed to get a mortgage with defaults on credit file?
Just wondering if anyone has managed to get a mortgage and move house before any defaults have timed out after 6 years? I realise that the 'sub prime' market does still exist but is a tricky one these days, but wondered if anyone has any recommendations of companies or mortgage brokers that specialise in what on the…
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Help with Payplan interview.42000.00 in debt
Have a phone interview with Payplan on Friday. Any advice? Have debts of 42000.00{all credit cards] All credit cards. List debts Incomings outgoings Pension pot Savings Any other debts[ thankfully not] What should i expect from interview. Rang card companies today. Virgin helpful Barclaycard very helpful. Both advised…
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Help - statute barred query
Hi all - a bit of an irritating one this. Got a letter through today from Mckenzie hall who (after ringing them) say i owe carphone warehouse £88. Apparently the contract was taken out in 2001, and no payments were made after 2002. Apparently, it defaulted in June 2006. They are demanding that i pay them the money, but i…
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ppi interest
i am owed £4000.00 plus in ppi by credit card company.However this is on a card i have not used for several years and company is charging me 29.90% interest and totally ignoring all communication with them .WHAT CAN I DO.apart from wait for ombudsman which could be another year and interest rate is crippling me.
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What to do about Studio?
As far as I was aware, I owed just £70 to Studio but due to missed payment it has gone up to £91.45!! On the statement it shows that on 15/01/2012 they added... Default sum - £20 Service charge - £1.45 This debt is still with Studio and not a debt collector. How is best to deal with this please? To stop more charges and…
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Credit Report Help Please
Hey all, Just new to the site and have a question about a debt. I've been out of work for quite some time and I am now working again so I am looking at tidying up my debt and getting it cleared once and for all. I have already satisfied three debts so happy with that. Now looking at my credit file. I have a debt that…
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Credit Limit K&Co
Hi Just after a bit of advice, having checked through my finances this is a simple breakdown. I currently have 6,841 available credit I am currently using 60% I owe £10,676 My question is this: I have an a/c with K&Co formerly Great Universal, my average balance is around £1500, my available limit is £7200 this is what…
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County Court Pack
Today I got a county court pack through the door. Ups are taking me to court for unpaid invoices. The claim is made against me as a sole trader The reason the invoices were not paid is they damaged alot of my goods (wooden pet houses) Claims were put in and nothing was ever done so we switched in the end and refused to pay…
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Full and finals
I hoped to ask some advice on full and finals. We'be been looking into this approach for a couple of weeks but then weirdly one of my partner's creditors has offered out of the blue a full and final of 50%. They will put it in writing and credit file will be marked satisfied. Although we're struggling to pay he's not in…
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Red Dept Collection demanding payment
Hi there I received a Letter from Red Dept Collection Services on the 15th of March and after reading on your forums here I saw other people had run ins with these people in the past. I sent them an email as below... and wondered if I should take any further action. As far as myself and my wife are aware, we cleared all…
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Has my debt gone??
Hi, Im sure someone on here will be able to answer this. I have a few debts some of which I have received no contact to say I have to pay, for a few years. (I cant even remember how much they are for). I had a loan a credit card and a store card when I was 18 all of which I struggled to pay back and were all passed to a…
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Is APEX telling the truth?
HI, Phoned APEX up to discuss possibly paying off a sum due to them which usually is possible to do via paying an agreed reduced amount. The chap on the phone said 'you need to consider that if we agree to let you clear the balance as a reduced amount it looks worse on your credit report/score than if you pay the whole…
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Baliff off my back
Hi i thought i would re post regarding the Baliffs and my recent visits from them. They are now off my back, and i am re paying the council tax debt back in weekly installments of £3.40. Two weeks ago i was in a blind panic when a Baliff from Rossendales called at my property. luckly i was out, so he didnt gain entry.…
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Whats the next step? (Debt not Partners)
Hi All My partner is being chased for a debt that was not his, and he was not aware of. Its a mobile phone bill (his ex took it out in his name, and he has only found out 3 years after the fact). He has sent a letter to the debt collectors to say it isnt his and he wants to see a credit agreement. He did this December last…
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Wednesday 21st March - What small 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…
