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Experian!
I really wanted to get my experian account reopened so I could make sure everything now all sorted. But I can not justify 15 a month on it - I am sure it was only 7/8 before? They say its because of the insurance but we dont get any option to opt out. I am really disappointed cos I thought this was the best one to look…
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RBS - Complaint
Hi Everyone, This is my first post but have been using MSE for many years to obtain excellent advice. Hopefully someone will be able to offer some advice based on the following. I've had a DMP since 2008 and I was hoping the balance would be clear by now, however in January 2012 I successfully made a claim for interest…
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How to be a petrol dieter
I have just seen someone is a petrol dieter, what's that? If it's a way of saving on petrol i wouldn't mind knowing a bit more....... I have to drive for my job and they cover petrol (Yeh right) by paying 22p per mile. Well this doesn't cover it entirely and i find myself paying out each month :mad: (Completely unfair) Any…
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Default / delinquent account
Hi I was wanting to know what the difference between a default account and a delinquent account. I have a delinquent account with the Halifax on my Experian account and I was wondering what the difference between the two are and how it affects my chances of getting credit? The delinquent account was placed back in 2006 and…
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6 Years from Default or Settled
Hi, i'm sure this question has probably been asked a thousand times but can someone tell me if my default will go from my credit file six years after the original default (in my case nov-07) or when the account was settled (july-09). I'm of the understanding its from when the account was settled but i cant see how having…
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Full & Final settlement advice welcome
Im sure these questions have been asked a thousand times but hopefully someone will have the time to answer me please :-) Background.. I was off work sick about 6 years ago, continued to live the life without the money hence lots of credit cards. For the last 3 years I have been on arrangements with them all and all have…
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Simple Answer needed
Hello everyone I have a very simple question that I have been searching the internet to find and it has so far eluded me, so hopefully there is some bright spark on here who can let me know without any jargon my hubby has 2 CCJs on his file - I have one on mine - we are certain that we only had one, this was for council…
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Advice please on Robinson Way persuing debt not liable for!
I'd appreciate a little advice as we're not sure of the best action to take next. Robinson way contacted my OH last Oct stating they were persuing a debt of over £9k in his name. News to us! All it said it was - Due to Robinson Way (ex- Abbey). No reference to original creditor or from when or where debt came. So we did…
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Default nightmare
Can anybody PLEASE help me with his, I am going around in circles and feel like I am going mad. I opened an account with Argos in 2007. In 2009 my pay was put on hold meaning I got paid late a couple of times due to a disability I have. I got in touch with argos to advise I would pay in 5 days time the balance was about…
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At the end of my rope
Hi all I'm beginning to really worry about my Dad and wondered if I could get some advice on a situation tipping me over the edge. I live with him in a flat he owns, and we've both been paying off debts from former extravagance. Unfortunately, things took a turn for the worse when my Grandfather (his Dad) passed away a…
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HFC wrong default date
Hi everyone, I'm looking for some help regarding a HFC debt. I had a finance agreement with them and i stopped paying as couldnt afford so my last payment was march 2008, I checked my credit report with Equifax and I have a default which was issued november last year. I have heard the default should be placed within 6…
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Any tips on best way to budget ?
Hi all :D My wages can fluctuate by £100's each month as as well as my fixed monthly wage i also get commission. My question is how on earth can i budget in advance? are there others in this situation? any tips? Thanks
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Will I get a better credit report???
My biggest debts (£3460.46 - Very & Littlewoods) Finally have a payment arrangement - yayyyy!! These will be paid off by 2023 & 2029 (lol!) I'm also arranging payment plans on my smaller debts. Once i'm shown to be keeping up with payments and the balances shown to be going down, will the defaults disappear from my credit…
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Vanquis Balance
Anyone know if Vanquis will allow me to close my account and pay off my balance monthly without extra interest being added? Some sort of payment plan? I've stupidly ran up a balance on the card when I shouldn't have due to the high interest rate. Now my circumstances have changed and I can only afford to pay the minimum…
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No job and a big heap of debt!
Ok i will try make it brief so i don't bore people so hear are a few facts to my situation. 1 bank loan 16k balance. 2 credit card 11k balance. 3 credit card 7k balance. 4 o/d 3k ( up to limit) As i type this i have a fantastic credit rating and have never defaulted on any payment for anything in my life. Unfortunately i…
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Default on credit file -egg
Hi guys Need some expert advice, I have an old Loan with Egg taken out in 2003, due to really bad financial student life i had a terrible credit rating i turned it all around and went from 0- to nearly excellent on my credit file! However my credit rating is squeaky clean i have an old default form EGG which they won't…
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Payrise
Hi I'm on a DMP and my next review isn't until February next year, although I plan to bring this forward to August, I have had a payrise if I don't tell CCCS until August can they back date payments in regard to my payrise? The reason I don't want to pay more atm is because I need to save for a deposit for a new houseshare…
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Just a few questions.
Hello there, I am 23 and unemployed since December 2011. I only ever had one bank account which was for when I was a student it had a £300 Student Credit Card which I pay the minimum fee each month around £10-13 or more if I have the funds available. The student account also had an interest free overdraft which I had to…
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Help EON UDS
I need help please. I received a debt letter from IDs re gas & leccy owed. I want to set up a payment plan. Can someone from EON UDS help please.
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McKenzie Hall
Since we moved in we have been getting letters addressed to a lady (not the previous tenant) which we have been dutifully returning as 'not know at this address'. The past 6 letters based on the return address on the back are from McKenzie Hall which I believe are debt collectors. The latest is marked urgent. I am getting…
