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can't get my credit report???
This has probably already been answered a hundred times but I have been unable to find the right thread so apologies. I am trying to sort out my debts (approx £1500) and decided to get a credit report. I used Noddle but upon putting my details through their system I received the following message; We’re sorry but we’ve not…
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Aim high - help us hit the target
Morning all - been a while since I have been on here.... OK, so I have come here for some advice and have set myself a challenge to try and get us both debt free and have enough of a residual income coming in each month to get to the point where we are pretty much self sufficient. I am well aware that the best way to make…
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Advice
My Step Dad asked me a couple of weeks to take a look at his credit file and see why he was getting knocked back for a loan application with his bank. When I went to Credit Expert (Experian) and Equifax I found that although he is 'squeaky' clean and paying everything on time, he is over indebted, using 84% of available…
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Friday 11th 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,…
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Debt-free by Summer 2014! What's the best approach with my 'credit'
Hi guys! So, I've put all my plans in place from pay day next week until June 2014 to clear my £6200 debts, but I am wondering what the best approach is with my credit? Once I've cleared my debts, am I best keeping open these lines of credit or am I best closing them all together? A colleague suggested by keeping them (and…
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Options on debt? (Consolidating).
The wife & myself sat down recently and drew up a list of our outgoings. Mainly because our borrowing was starting to get a little out of control. As you can see below, our borrowing (debt) is around the £9,000 mark and it is the hope of the missus to get a loan and consolidate. Before I make the leap tomorrow and apply…
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Workings
Mistake, please remove
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DMP Clarification please
Hi This is my first post after opening my eyes to what is front of me! My wife and I currently have unsecured debt of around £75K. My wife is self employed and is about to see her income reduced by 50% (£750) per month. This will take us from having £300 spare each month to having a£450 deficit which scares me. I spoke to…
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Is the dmp a scam ?
My husband has started a debt management plan through immediate financial he found it via moneyexpert thinking he was on this site. He has been paying them money but has signed no contract, all his creditors are threatening final demands/court actions. He phones immediate financial but doesnt seem to get any answers, is he…
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Need a bit of advice about wonga
I just wondered if someone can give me a bit of advice. I'm a student and since last year, I've stupidly been taking out loans from wonga. Been living on credits since then. I really want to break out of this cycle so last night, I emailed them (I heard somewhere you should never call creditors?) and asked if instead of…
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Old Account (Settled) recent update by provider
Hi, I settled all my debts late 2007 and althought i still have a poor credit rating it is atleast going the right way. I got my credit report again today (9 months since last time i checked it) and there is a "new" entry on it that was not present in september 2011. the entry is for an Lloyds TSB credit card. The entry…
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Credit report defaults DMP - someone please help me understand!!
Hello there, would really appreciate some help from someone who knows his or her way around a credit report. Mine is not making sense to me at all and I'm getting so stressed out - have been trying to get my finances in order for the past nine months but it is proving very hard, even just to get information! Please bear…
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Advice on debt from the USA
Hello, I'm hoping someone can help point me in the right direction. I live in the UK and am looking for a debt advice agency who could help me set up a payment plan and negotiate with a collections agency. The debt was accrued in the US and the collection agency is there, too. I've contacted several of the advice agencies…
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moving debt to credit cards?
So Ive heard people talk about moving debt onto interest free credit cards? Does this work? If so how does this work How many credit cards?
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Settlement offer query
What is the likely hood of creditors accepting offers? We have currently paid £11,000 into our dmp with payplan and I have about the same remaining to pay. I possibly have £3,000 as an 1 off payment, 100% can honestly say will not have this again. I know its not much and a quick calculation means the highest debt left of…
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Will I lose my job?
Hi I am up to my eyeballs in debt and I can't cope much longer. I don't see that I am going to get out without getting a payment plan in place. My fear is that I work in a bank and I am scared that I will lose my job. What do you all think?
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Debt Collecter - Where do I stand?
First off apologies if this is the wrong forum. I live in a student house with 4 others, they all lived here last year and I joined this year so they're named on the bills and I'm not, I just give them a cash contribution when they ask for it. They've ignored the energy bill over and over for some reason and we've got a…
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Third party Notification of dispute. not the bank.
here is a good question ? if you raise a dispute with a bank and the confirm your complaint. Then 3 weeks pass and nothing, but a DCA notifies you the bank declines a dispute yet the bank has not notified you about the investigation. is the action of the bank (who your dispute is with) breaking the data protection act as…
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Debt Free by 21 With SOA Including Help make sense pleasee :D
Hey all , I have just sat and worked out my ruff debt amount.... also have worked out how much i can actually afford to pay back each month also.... Could people tell me the best way to tackle these :D O2 ? Captial One £371.00 Barclays £300.00 BarclayCard £350.00 Lloyds TSB £1,600.00 Wonga £400.00 Pay Day Express £200.00…
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Can an Overdraft be transferred at 0% to a 0% credit card?
I have a large overdraft and struggling to redcude it let alone get out of it. Can an overdrawn balance on a current account be transferred at 0% to a credit card?
