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Noddle Free Credit Report
Hi have just done my Noddle credit report was very easy, but score was 1 out of 5, I expected it to be bad but was also shocked how little info was listed. There was my bank account showing okay as no issues there as never had an overdraft and there was my current pay day loan (yes stupid me) I have a few and swore I would…
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CCJ recorded in the Register of CCJs
Hi all experts here!:) I've tried to find the information online but still I'm not sure. If you have a CCJ and not pay it within one month, you land in the Register for 6 years. Is this process automatic or needs the creditor apply for it? Which website check normally banks? www. trustonline.co.uk? Thanks in advance:)
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Advice Please
Heyy im just wondering what other people advice would be and what they would do in my situation. I have just been going over mine and my partners finances and I came up with an idea but I dont know if it would be a good one... We share everything, and I'm wondering what you would of the idea of combining our debts and us…
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6-Years Credit Report?
Hi all, after some advice if I may? Can anybody confirm that it's correct that after 6-years any debt held on your credit file is removed, whether you have or have not paid said debt? Just heard this is the case, but thought it might be the same as the statute of limitations whereby if you make contact with the company or…
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In a pickle......
Hiya, I was wondering if anybody can help me and/or give me any advice on what I am entitled to, what my rights are etc.. because I am totally clueless and very worried and panicking right now. I currently have approx. £9k of debt from various credit cards and overdrafts and am on a DMP with cccs where I pay £250 a month.…
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Where do I need to be?
Hi everyone, I want to start a diary but I dont know if I need to be in 'debt free' or 'mortgage free'. I want to make enough each month to cover the rather large motgage payment. Its a bit like 'make £x per day' on debt free but then its mortgage related so should i be on mortgage free? Decisions, decisions,
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Weekly Spend Challenge W/C 6th May 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Pension or debt?
I have just had a £200 cut in my monthly child tax credit because my earnings have been higher since I got a full time job. I am paying back £200 a month to my dad for money he lent me to pay off debts incurred during and after my separation, he isn't charging me interest. I am paying £200 a month into my teacher's…
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Cccs dmp for £24,087! Am I the worst case?
I have recently (last night) sat down at the laptop to sort out where we stand financially. My husband has just started work again after a short period of work and his job is monthly paid so needed a pay slip before doing anything. I have based the figures on his basic pay and it says that we only have £50 a month left to…
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Advice requested please x
Hi all I need a tad help! I have really limited money. I posted my soa last week ( see previous posts), as I know I have no money! I'm usually left with about £20 each month to live off ( bear in mind this is once most major bills are left over). I know my issue is tiny in comparison to what some people on here are facing…
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Social Fund Debt over 10 years old???
Hi I have recently received a threatening letter from DWP saying I owe them over 200 from a social fund loan I had when homeless with four young children over ten years ago I assumed this had been cleared as I have had money deducted over a long period of time, and assumed it was cleared, have been working for the last few…
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Help With Philips Bailiff Threatening Letters
Hi, I was unemployed a couple of years back and when I started work there was a stuff up on my housing benefit which I should have sorted out properly there and then but was in no fit state to sort anything to be honest. I was entitled to the run of HB as I had been out of work for over six months but this was not applied…
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Paying off debts during the festive season
Hi guys Are you the sort of person that aims to pay off a debt either before Christmas or the new year? I feel somewhat cleansed and proud of myself when I pay off a debt during the festive season. What about you?
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To partially or fully settle?
Hello, I have a remaining debt of around £600 on an old student account with Natwest that originally defaulted in 2008. This is still managed by Natwest (through Triton). I am currently repaying at a rate of £25 a month. Triton have said I could also partially settle for £350. I could also afford to settle in full. As…
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Car accident have a ccj 5 years after....Help please!!
Hiya, New here so not sure this is even the right forum! Basically November 07 I was pulling out of my parking spot and my car was a foot on to the road when a car I had seen at the top of the road in my mirror came whizzing down the road at approx 40 mph (in a 25 mph home zone) and smashed into my wing. This was seen by 2…
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Help with Lowell
Hi I am seeking some advice regarding my situation outlined below. I am 26. Whildt st Uni and in the year after i defaulted on a HSBC overdraft & student loan. They chased for a bit but didn't hear anything until this morning when a letter from Lowell came through the doors skiing for £3465 The original total was racked up…
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my debts copied , please help me
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1099 Partners monthly income after tax....... 0…
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new car needed when on a dmp advice please
Hi , We have been on a dmp since dec 2009 and it will be at least june2015'til we pay off all our debt. Unfortunately our old ford mondeo is knackered (needs anew fuel injection system Aaaargh!) so we have to get a new car.Spoke to CCCS about it but basically none of the options seem suitable and as we want a reliable car…
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Soa
Have moved SOA to a reply to the original post, Thanks mildredalien.
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Default on credit history question
Hey folks, A few years ago I stupidly defaulted on a credit card due to not keeping on top of things properly, not having direct debit payment, and not updating my address records with them. If only I'd found MSE earlier! :) Ever since I realised I paid them a big chunk every month and cleared the debt last year. However I…
