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Differing debt amounts by Original lender and DCA SAR request??
I have just checked my credit report and was quite shocked to see that a debt I have been paying to the DCA is about £2000 different to the original Lender. I had a loan with Cahoot back in 2006 which I defaulted on in 2008 and it was passed onto Apex credit solutions. I have been making regular payments to Apex through a…
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DMP query
Hi - just had my sister here for a few hours - in tears telling me about her financial situation which is bad :( She is a single parent living with her youngest child (her daughter is 22 and working - gives her mum £100 per week out her of £200 per week earnings) My sister works full time and earns £1500 net per month. She…
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scrutiny and help please
I need help please - not sure Im on the right board as I haven't got debt anymore (discharged br as of Jan 2012). I need to get some money saved up, I have a car thats on its last legs, would like a nice holiday with the children next year - hopefully abroad. My soa is below however the surplus showing goes every month on…
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DMP advice for newbie
Hi guys and gals, I am putting in the paperwork to CCCS this week to get our DMP running. We are 1 month behind on our mortgage (£472) and 2 months on council tax (£170). Our DMP plan has been set for £50 for the first couple of months to allow us £210 a month to pay toward mortgage arrears and £43 a month towards council…
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Trying to understand my situation !!
Since joining this site a few days ago,i have trawled (is that the right word) through lost of threads,tying to make sense of my own situation,but think i am confusing myself :( . So if i give you a run down,could anyone correct me?put me straight please. Ok..went on my credit report,Experian & Equifax..and some of the…
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Debt Locations??
I have decided to try and organise my debts and have recently signed up for my free month on Experian but, my report isnt showing all my debts? Any ideas on how i can find out who and what I owe, as I know I owe more than experian is telling me? Thanks in advance for your help.
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Halifax still charging interest
I was called by the Halifax collections lot on Friday, telling me that I was behind with my payments, and that I had to pay the difference right away. I told the guy that I was using a DMP with the CCCS, and that I had been for the last 14 months. He verified this, but then said that the agreement had lapsed and I would…
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Won PPI claim toi off set debt but....
Hi Guys I have not been on here for a while but really could do with some advice if this has happenend to anyone else. ( I have posted this in PPI too as not sure where is best) So I had a loan with First Direct which due to my financial situation has ended up with metropolitan Collection Agency. I make regular payments to…
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Anyone know who this can be?
I had a missed call number witheld. I daresay it's from a debt collector requesting me to call back. The voice message is garbled and the guy speaks so fast I can neither make out the name or number. Hope someone here can guess as I've googled for clues without success. The company name sounds like Orricks Price. The…
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Has anyone ever paid very small amounts to a debt?
hello, I've decided to come out of hiding and finally face up to my debts. I was just wondering if anyone has paid in very small amounts to a debt ie, a credit card before? Have read quite a few threads in the boards, and have noticed some people round their bank accounts down to a round number. I was thinking of doing…
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Ccj & defaults on credit report query
I have a ccj due to come off my credit report after 6 years in June. I make regular payments of £30 on this and still owe 5k. Will this still come off my report after 6 years or can they reinstate it? The same goes for 3 defaults I have which are due to expire but I still owe on them.
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Stock take....
No questions or issues here but I've spent this morning running through one of my regular financial reviews (what a great way to spend a bank holiday!) and for the first time in I don't know how long it's made me realise how far I've managed to go down the road of clearing debts etc. When I first joined this site/forum…
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Pub Company Debt - Constant Sheriff Perstering / Company Ign
Hi there, Just found this forum on my searches and looks fantastic for advice! Im in Scotland, if it makes a difference on reply! In september 2009 i took over a closed pub on lease from S&N pub company (owned by R&L pub co) and ran the pub from them, before going in i paid a bond for rental of £4000, not beer as this was…
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Help with moving forward
Hi, Here's some history. It's long but I'd rather give all the details:- Since November 2009 we've been managing all of our debts ourselves. Our current unsecured debt is around £46k. Our mortgage owing is around 88k on a property worth around £130k. We also have 2 secured loans totalling around 15k, one of which is with…
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No money for anything...where do I go first
Hi everyone, I'm not sure if this is the right place to post this but I'm not sure where else to turn. The simple facts of my situation are my husband was made redundant over 12 months ago and after having mortgage cover for a year and JSA for 6 months we now receive nothing. He works freelance for an agency so…
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DMP CCCS - Family loan? HELP please!
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how can i improve rating??
hope someone has a good idea! i have just registered to Noddle,my score is 3/5,which means "may get rejected for credit or not be offeres the best rates". history: yearly income,made up of salary,CSA,CTC=£24,000 mortgage £57,500-never late or miss payments CC £1500-never late/missed, minimum is about £25 a month,i pay DD…
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Monday 7th May - what small DFW things will you do today?
When we first 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, cancelling sky and the gym :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Debt Management Plan
Hi entered into a DMP in 2009 following my divorce. In the next few months I will be able to pay off all the creditors in full. Am I better off repaying all the creditors at once or drip feeding it and pay off each one over a few months?? Has anyone done this??
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Struggling with Natwest
Basically, I normally bank with Lloyds and have done since high school. I got a job with Natwest in 2010 and they insist that you have a Natwest account that they can pay your salary into, so I opened one with them. I only ever really used it for getting my salary and tended to just transfer it to Lloyds. Anyway, I was…
