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drydensfairfax solicitors letter
Hi guys this is my first post on here and I really need some advice. About 4 or 5 years ago I received a letter from Max Recovery saying I owed them £4419.11 but I didn't need to respond to the letter. Now I KNOW I dont owe this money, old credit cards and loans that i had were all paid off, the year after I received…
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Need to clear this debt
hi everyone I have some debt, well, me and my husband do, and it is making me really panicky. which will sound stupid in a minute cos Ive just seen how much debt some others are in but its all I ever think about :( Next £39 Santander £1005 Santander £1008 Barclaycard £75 Very £400 we keep getting down to nearly having…
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debt, mortages, credit rating & disassociation
Hello moneysavers, my partner's divorce left him severely in debt (ca. 60000 pounds). Because of ongoing financial mismanagement, we are keen to sever all financial ties to his ex-wife. My partner has already canceled all joint accounts. However, while there is a court order that he is solely responsible for the mortgage…
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ccj problem
Hi can anybody please offer me advice with this matter.....i recently got a credit report as I knew I had a debt from a payday loan company that I didnt pay through stupidity,my report now has a ccj stated september 2011 from the company and northampton court,I wasnt living at the address when a letter was sent as been…
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when will my default clear from credit report
i have a satisfied default on my account and is due to come off on 25th May 2012 - was defaulted on 25th may 2006. it has been paid and i am wondering when this will come off my credit report. also will this improve my credit rating as soon as it comes off. at the moment i cannot get tings like credit cards or overdrafts…
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santander- any help appreciated
my husband has been making reduced payments for two years now on a loan taken out before ill health. He has recieved a statement today from them and he owes more now than when he started as santander are adding charges:mad:. At this rate it will never be paid off what if anything can he do?
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Urgent advice appreciated
Thank you for taking the time to read this post. I've been contacted today by younger brother who is stressing out about a letter he has been sent from Enforcement of Judgements Office in Belfast regarding non-payments to an unsecured loan. My brother is an electrician who works on short term contracts as and when he can…
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Bad credit credit cards
Finally on track to repairing my credit file. I have a capital one secured card to help this. My question is, would it be wise to take out more than one bad credit credit card with lower amount to spend on them? Will this go in my favour or against me?
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Santander - Unfair? Credit Report
In 2008, I changed my Abbey bankings account to a student account after going back to Uni. They issued me with a £1500 overdraft which I was in mostly all of my time as a student. In Sept 2009, when I graduated, they usually increase the overdraft to £2000 and then set up a payment plan to clear the overdraft over a number…
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Paying off debt for less than its worth?
Hi all I am in the fortunate position of having recently come into money; enough to pay off all my debt. Is it possible to settle the debt with a lump sum for less than you owe to each creditor if they agree to it? Do you have to declare how much cash you actually have legally? From a moral point of view I suppose I ought…
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Statute Barred & Defaults Questions
Can anyone help me here... 2 Questions for two defaults... I was in the past a victim of ID Fraud. I have police reports and most banks gave me a letter and cleared the bad debt. DEBT COLLECTORS DEFAULT: Some cowboy debt collectors changed the fraud address to one of my genuine addresses that I did live at. I have been…
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Full & Finals - the future
Hi all, I am just looking for a little informationa as to the future implications of Full and Final settlements. Myself and my partner have been on a DMP for nearly 3 years. Over this time I have closed two of my debts using F&Fs however they have both mentioned something about possibly requiring the rest of the debts to…
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Moorcroft Settlement Anyone?
Hi I just wondered if anyone here has managed to get a good reduction and settled an account with Moorcroft. I owed about £3000 and paid £65 a month until I was made redundant. I cancelled this immediately and when they got in touch I renegotiated my monthly payment to £27 a month. The balance is now £1,258 and today I…
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Credit report help - Moorcroft
Hi I hope someone can help me I had a credit card which has since passed over to Moorcroft. The default date on my credit file is November 2006, status open. I have been paying Moorcroft £27 a month for about 2 years and each month the balance on the outstanding amount is updated on my credit file but nothing else to say…
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Care Fee Refunds
A relative of mine was diagnosed with vascular dementia almost 3 years ago and has since been in a care home. The fees for the care home have taken our life savings and as a result, we are having to sell her home. Although she receives fantastic care at the home she is in, I have recently been made aware that it should be…
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Been so stupid
Hi have been in self denial for so long But need to come clean ,have run away from my debts I need to face up to them now I dont know who or how much i owe to anyone - suspect the debt has been sold on as have has different debt companies ring me up to whom i have never answered the last contact i had with anyone i owed…
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Debt Free Countdown
Hi all, To all those out there who are struggling to pay off a pile of debts - stay strong! :D Years ago when I was young and foolish I made loads of mistakes with money which came to a head when I got divorced. I consolidated my debts and tried my hardest to get money from my ex for 'his share' but no luck - the Solicitor…
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Early Settlement Loan Offer
Hi everyone I'm sure this will have been covered elsewher so apolgies if I am duplicating by asking this question. My partner has a DMP with payplan for a barclaycard and Egg loan debt (Egg has now been taken over by Barclays) A few days ago my partner received a letter from Barclays advising they would like to offer an…
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Converting MoneySPENDINGExpert to MoneySAVINGExpert! Debt-busting mission (Take II)!
Hi all, Some may remember me from a little while ago.Was making good progress then fell off the wagon and went back to gambling, the rest is history. (I know I have been really stupid and wasted away hard earned money on gambling so please don't remind me about it). I am going to try and get back on track, lets see where…
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Hello from a newbie!
Morning everyone!:hello: Well this is officially my first post and it's scary :eek: I have been lurking and reading for a few months now and have been so inspired by your tips, motivation and positivity to be more frugal and debt free that I have taken the leap and put some of those into place already :j A bit about me, I…
