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Remove Wrong Credits from Report
Hi Folks, Sorry first post here and I am looking for advice. Serveral years ago I lived with my brother in same house. We took out virgin media (telewest - back in the day) under my name and he paid the bills. A few years back, I moved over and he continued to occupy the house. It has just came to my attention that he has…
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Defaults on Credit File
Morning Everyone, This is my first post on Money Saving Expert so please be gentle with me. I have a default on my credit file with equifax/experian dated 31.5.06. I am waiting for this to drop off so I can apply for a mortgage the following week. I wanted a little clarification from your experts out there as to whether…
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Getting More Information?? Pls Help!
Hi I'm currently trying to get out of my DMP through Immediate Financial :( They will not tell me how much of my money they're holding and have been less than forthcoming with information relating to who actually ownes my debts and how much money they've paid out on my behalf. Frankly, they won't tell me anything that I…
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rebuilding credit
hi there, i have awful credit due to various defaults, one decree (ccj) and general late payments and non payments etc. we recently sold our car and paid off alot of our debts, many of them were 'settled with partial payment' or 'settled as full and final payment' i have had a vanquis credit card and a capital one credit…
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Prob a really silly question
Hi, This is probably a really silly question, but.... I am due to inherit anything from £10,000-£15,000 and I currently have a Peaugeot car on finance which is worth around £10,500 APR on this is 11.1% I am paying £288 a month and have around 50 months left. Alt I can pay £12,800 settlement figure now. Is the best…
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Urgent Advice Saught
Hi All Right, need your expert advice with what to do with our situation. We have lived in our house for four years in june. The people we bought our house with never gave us a forwarding address for mail, only a phone number for us to text when ever any arrived. We would get mail for a Miss xxx, as they couple were…
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Letter from Bailiffs...
Morning All, Sorry if this is not in the best place if I've missed somewhere better it should have gone feel free to move it! Cutting a long story short, I have had some contact from people I used to rent a room from about 11 months ago, with a copy of a letter from Marston Group, (an enforcement company) with the client…
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Made My First Ever Payplan Payment!
I feel like this is a great big step and I just wanted to know how many people use Payplan and what they think of them. My payment hasn't cleared yet (apparently it could take up to 4 days) but I'm just wondering whther this is now enough input from me for al my banks to recieve the necessary paperwork and such to keep…
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Monday 14th May - What Small DFW Things Have You Done 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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SOA - Please could someone advise me on paying back this debt
HELLO THIS IS MY SOA I'm Struggling as i'm paying a lot in interest and the Balance doesn't go down much! Any advise would be greatly appreciated Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars…
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County Court Help (Part monies owed)
Hi, I am looking for some advice regarding my situation as it seems a little odd: I was served claim a few days ago relating to a historic debt. This was originally with HSBC and related to a bank account/overdraft facility. It was 'sold' to a company (registered in St Helier) in Dec 2011 the amount of the debt is approx…
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CCCS - Defaults on credit file
Quick question. I have 8 creditors, all of who are paid via my CCCS Debt Management Plan. For the first year one of my Lloyds loans never defaulted, it said AP next to it. However, I am now into my second year with the CCCS and now it says Default next to it. This is because apparently I havent paid them for 2 months…
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DMP and renting somewhere new.
Evening all! I've already posted on the renting forum but I just want a bit of advice (maybe reassurance!) from other people who are in debt. Basically, myself and my partner are looking for someone new to live and I'm worrying that due to me being on a DMP (with CCCS who I cannot thank enough!) we won't be able to get…
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Debt free question.
I have a arranged overdraft of £1500 which I would like to get rid of. Which would be the best way? A. Get a credit card (0%) if possible, pay it all off then pay the credit card back monthly. Also helps with Credit score. B. Go and see the bank and have a word to see if they can take a payment every month to reduce the…
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Advice on settling credit cards and personal loan
Hello, I have been on a DMP for about two years (with the lovely CCCS) and their estimated debt-free date for me is December 2014. I have £5142.60 outstanding. I am soon to move in with my boyfriend and we have managed to get together about £3550 to pay off this debt. Do you think it is likely that my creditors will accept…
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How much spare income is needed? To be accepted for a payment arrangement?
I know it seems odd, but I have been advised by Halifax in the past that if I have 0.00 left at the end of each month and still have X bill to pay that they cannot help, however if I have say £5 left over they will look at accepting the £5.00. I hope that makes sense, so my question is how much are you supposed to have…
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toothfairy finance
Does anyone know if/how I can get toothfairy finance to accept a payment plan to repay my loan and to freeze interest?
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Wonga No Contact
I have just looked at my experian credit rating for the first time! Wonga.com say i owe them £950 I havent had contact from them sicne last year!! why arent they chasing me for money!!!
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Please Help! Do I Owe Apex Credit Management Money?
i took out a loan with Natwest in 2004 of £7k it defaulted and got sold on to various debt collectors and ended up at apex. In 2009 I set up an arrangement to pay £15 a month to clear the (supposedly to date) £4k now outstanding. I have just completed an experian credit report which shows my credit score as good and there…
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Can you suggest a bank account?
I have just filed my paperwork for our DMP and we have accounts at lloyds which we are not going to be using anymore and he has an existing account with Santander (no debts). As I am the one with most of the debts, can anyone suggest a bank account that I wont get refused for. I just need a debit card to pay bills with and…
