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HSBC Managed Loan
So around 2002 i took out a loan with HSBC to pay off a credit card and overdraft. This was advised by the bank because of the interest rates being higher on the credit card and they can offer me lower rates on loan. The loan was taken out for around £7000 over 5 years. 3 years into repaying this loan i got made redundant…
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JACAMO Debt - how can i get out of it!??
I bought a couple of things from Jacamo over a year ago to the value of £135. Not long after I lost my job so I was struggling to keep up with payments, anyway I had a statement from them saying my balance is now £360!! I've paid about £100 back but it keeps goin up and i miss payments the charges are ridiculous! anybody…
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Experian Report Help
I printed a copy of my experian report today. There are no entries for me being on the electrol roll since 2009! Although the address is says i was on for in 2009 i havent lived there since 2006!! There are 21 searches on my file with Lowell Portfolio Ltd making 9 of these!! They seem to be doing a search every 2 months!…
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My SOA, any advice please?
This is my Statement of Affairs that I am sending off with my bankruptcy form. Have I missed anything or put anything I shouldnt have? I would appreciate any feedback on this please, thanks. :jStatement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children…
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help with bailiffs please
hi im posting this on behalf of a friend... she has been claiming benefits as got 2 kids, well bk in 2010 she started work in a florist but as self employed and she was on BELOW minimum wage. she worked for 17 weeks in total but then couldnt afford to pay the council tax ect on the wage she was earning, so she sent all the…
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settle my debt
anyone heard of this company and more to the point anyone used them? i know the saying - if it sounds too good to be true then it probably is but they sound so much better than a debt management plan
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Help needed for a friend
Yes, this is geniuinely for a friend and not for me that I am looking for advice for. My friend has found themselves in a bit of trouble and doesn't know what to do. They have got two pay day loans, each at £800, and also has a credit card bill of over £1000. So they have £2600 to try and find and don't know what to do.…
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Credit cards 1970's
I watched a programme the other night about the 1970's, and it was during this period that credit cards were introduced. I thought about the impact this has had on society and how different it might be today had they not been introduced. I think it's like most things in life, education, it's open to abuse but if you learn…
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Debt collectors going after cleared debts
I've just joined really to say thank you! I tend to lurk on here and this morning the site proved particularly useful. I was woken up by CARS collection agency phoning and saying I owed Vanquis £45.24. Not a nice way to be woken up. Especially as the last piece of correspondence I had from Vanquis sometime last year said…
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Tell me I'm making the right decision please??!
Trying to keep this fairly short so you dont get bored!!! Quick background info – Married for nearly 2 yrs, just got first house & mortgage. Debt – £11,000 Loan, coping ok with repayments but will need to refinance to get better rate in asap. Also paying back part of house deposit to both parents. :eek: Credit card with…
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Robinson Way letter
I received a letter saying from Robinson Way stating 'for the purpose of validation can you please confirm whether you used to live at...and then it gave a recent old address. I've not had any debts since March 2011 since I fully paid off my credit cards (Barclaycard, Vanquis and Capital One) and payday loans. I'm always,…
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Credit File: Settled Accounts
Hi all, wondering if you can advise me ? I have 1 missed and 1 late payment showing on my credit file for the same lending account for payments that came to a total of £38 (£16 each). There's no excuse, I missed these payments because I was careless. It's obviously having a very negative impact on my credit rating. If I…
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checkmyfile
i signed up to checkmyfile as it advertises to showing info from all 3 agencys yet i can only see a few of my debts??
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Experian credit file update
Morning everyone When does a credit file get updated?
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Advice needed please re 'admin' fees
I have been late paying the annual service charge to the PropertyManagement company looking after the estate where I live. The bill was for £241.95. Now they have slapped on a £50 admin charge, passed to Property Debt Collection and they've added a further £60 fee so I now owe £351.95. I have tried to pay £241.95 today but…
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What notification do debt collection agencies get when you access your credit record?
Ive just completed the process of getting access to my experian credit report online, and am considering also completing the process to get access to my equifax file. However if i obtain access to my equifax file online, the debt collection agencies who i owe money to that are listed on my equifax file, will they be…
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Advice on charges please
Morning all, I'm wondering if anyone can give me some advice please? I had a Bank of Scotland credit card that I defaulted payments on. Bank of Scotland obtained a ccj, followed by an attachment of earnings order. The attachment of earnings order states "the defendants employer must deduct £250 per month from the…
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Tuesday 15th May - 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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Thought I was debt free?...
Deleted - created new post. Sorry
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Best route for me to take
Hi there, Newbie here registered solely to get some advice from anyone who is or has been in my current position. I've just worked out that my debts are around 29k. 25k on 3 credit cards plus 4k on a loan. At the moment i am struggling to the point i literally have no money in the past week to 10 days of the month and have…
