-
Statute Barred or not HELP !
Im new to this and looking for help with a debt problem. I received a letter from a debt collection agency Link Financial Outsourcing 02/04/2012. The letter was a statement of account! totalling a balance of nearly £16000 with a starting balance of £8391.00. According to the letter the debt dates back to 16/01/2006. I…
-
Overdraft, credit cards, loans.
Hi I have an arranged overdraft of £1000 and also have a credit card and loan. Can I use my overdraft to pay off my credit card to try and reduce the interest? Does being in your arranged overdraft go against you in your credit report or anything? Darren
-
Wife to be with credit card problems!
I'm soon to marry a wonderful women, but shes in a bit of a mess with her Credit Cards. She currently has a debt of about £20000 and as she has a very low income this is becoming more and more of a problem. I've explained to her that she would best get in touch with her creditors to arrange payments, but she say that she…
-
Identity fraud.. Long drawn out process.. Don't know where to go from here?
Hi everyone This is my first post (apologies for its length!) but I have been reading the forums for about a year or so now and I have learnt valuable information to getting more or less debt free :) However, I have one problem which I don't know how to deal with. Basically in 2010, I noticed an account default which I did…
-
LittleWoods - Shop Direct Finance - EMAIL address required...
HELP.... Trying to help my step daughter sort out her account with Littlewoods. LONG STORY but spoke to them on the 27th April and made a payment of good will as trying to stop her form going BR and they are the biggest problem.. I have emailed them at the online customer services but no one will contact her by email and…
-
HP different to Fixed Sum Loan Agreement?
Hi all I have started a DMP as I have £32k of debt. Most of it is my car loan which I assumed was on HP (that's what the dealer told me) but after reading through my agreement I see it is called a Fixed Sum Loan Agreement. Am just wondering how different this is to HP and where I would stand with the creditor? With HP, the…
-
Credit card default - quick question
Hi, My husband and I have a joint current account with Lloyds TSB and we each have a seperate Lloyds TSB credit card account. I pay my cc by direct debit from our current account. My husband pays his cc manually. My question: if my husband defaults his cc payment, will they try to take the money from our bank account?…
-
£2 Statutory Report Experian
Hi guys, Was wondering if anyone knew whether the £2 statutory report provided experian (or the other credit agencies) contain a CREDIT SCORE? I understand the report gives you details of yourself and any searches but does it also give you a score from 1-999? Thanks in Advance
-
Sunday 13th 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. :j But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
-
Help on property problem
Hiya Can anyone help with this problem as I cannot sleep at the moment with worry. My husband has a flat which he used to live in before we got married 4 years ago. It was rented out for a number of years and then the tenants left three months before they should have (we have a claim with the letting agents through the…
-
Who do I go to?
Hi, I have checked my credit report online and am pleased to say that I have absolutely no worries on there. I gave a house up (voluntary repossession) just over 5 years ago. This doesnt show up on my credit report at all. However, yesterday I received a letter from a Henderson, Booth and Snell asking me to pay them…
-
Santander (perhaps) unfair default help!
Hi All, Glad to be on board and have checked out many similar cases but hope you may be able to give me some pointers? After behaving impecaably recently (looking to get a mortgage), I was rather gobsmacked to find a default had been registered against me. Santander collections were initially very helpful but when speaking…
-
need some help
Hi, Not sure if this is the right place to put this, so I a apologise if its the wrong place.I am not new to the forums but as I have friends on here.I have created a new name. There is only the two of us and we are on a pension which we try very hard and do all the right things, I am always on the old style threads. I…
-
Capital One Default - need help with removal please!
Hi I would be really grateful for some help with a query I have. I have just discovered, through purchasing my credit profile on creditexpert.co.uk, that I have a default on my credit report by Capital One dated 28.06.2009. This has come as a total and utter shock because I paid the balance of the account in full on…
-
Can't pay off credit cards
Hi everyone I have very stupidly racked up over £1,000 debt on one credit card and £900 on another. I said i'd always pay off the full amount each month and use the cards as "credit builders" but obviously I haven't. Now due to other commitments and circumstances (splitting with my partner and having to get a place to live…
-
A DFW newbie!
Hi all So i'm new to the boards and, quite honestly, fairly new to this business of wanting to be debt free. To cut a fairly long, debt-ridden story short, I owe approximately £11k. I recently took out a 6% apr loan with my bank to consolidate a cc and overdraft debt. I was actually very surprised I managed to a) find a…
-
Feeling worn down by debt
I'm feeling so worn down by all our debt at the moment. My partner just does not seem interested at all. I've always dealt with all our money but when I ask for help it falls on deaf ears, he chooses to do nothing. I'm at a loss for what to do at the moment. We're managing to keep up with all minimum payments at the moment…
-
Tracking Expediture - Advice Please
I get paid on the 20th Get tax credits around 16th and Child Benefit around 4th Most of my bills come out of my account around the 20th but some come out around 14th. I decided to start an expediture/Budget sheet on the 1st May (simply because that is when i decided to start sorting out my finances) then realised money is…
-
Would changing name make a difference?
Was just wondering,if i went back to my maiden name,would that clear me of my debts..and if so,where would i start..would it be difficult changing all my details..passport/bank acc etc.. Thank you :)
-
Is it possible to get defaults removed from your credit file early?
Hi All I am new to this site so hope I am posting this in the right place. I wanted to try and get some advice as to if there is any way a company can remove a default from your credit file early? Around 3/4 years ago I fell into debt due to personal problems and have been paying the price since. A lot of my defaults are…
