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Advice needed re complaint over interest added
Hi Could I ask for people's opinion please? I have been in a DMP with CCCS since Sept 09. I have been complaining to Creation Financial over interest added since last year and had no response, I finally complained to financial ombudsman as they did not acknowledge any of my complaints. FO said I needed to give them…
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Wescot - Mother in Law issue
Hope someone on here can point us in the right direction as my wife was yesterday surprised to receive a letter from Wescot. In 2005 my wife was street teamed into ordering a littlewoods catalogue with no intention of ever using it, she wasn't living with her mum at the time but used that address. Her mum ordered £339.70…
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hi guys I did a statement of affairs would you check it over please :)
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 750 Partners monthly income after tax....... 1300…
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Frederickson International
I recently received a letter from Frederickson International claiming I owe them £186 from a bank account I had with NatWest. I wrote to them requesting proof that this debt was mine. They then sent me a printed statement. I wrote to them disputing this and claiming that I had had and account with NatWest which I closed in…
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Default and credit advice?
Hello I had loan with PROVIDENT several years ago, and moved house a month after taking the loan. I sent several emails to them telling them of my move, called them 2wice and wrote a letter. I heard nothing from them and 6 months later moved house again. Three years later I have them chasing me and a CREDIT DEFAULT. I have…
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payplan dmp verses F%F advice needed
decided to carry on until the end of pay-plan thank you
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Poor Credit Advice needed PLEASE!!
Hi all, To try and keep this story short, back in 2007 and 2008, I was a typical, stupid, nieve young lad and got myself in to some financial trouble. I defaulted on around 4/5 accounts and in 2008, received a CCJ. In 2009/2010 I managed to clear around £13k of debt and still do not owe a penny to anyone. I struggle to get…
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Clean up bad credit report
Is there any other way to pay for a service to clean up a not very good credit report? I thought these days debts were good and everyone is encouraged to be as in debt as possible. I feel with all the nasty letters and phone calls I was not good to take on so much debt.
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Weekly Spend Challenge w/c 27 May 12
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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Saturday 26th and Sunday 27th May - What small DFW things will you do this weekend??!
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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Quick Q about applying for a nationwide loan
A few weeks back i was browsing the net to see how much a loan would be each month. I looked on the nationwide website and it says they don't run any credit check until you apply for the loan. Anyhow, i received my experian report through yesterday and under financial associations is says 'Nationwide PLOAN' Any ideas what…
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Paying off debts - credit score - confused....
Paid off 3 debts today (all collection companies - Wescot, Robinson Way and AIC). However, these debts show on credit report as Lloyds TSB, Halifax and HFC. Now I have paid the debts off, but none of these collection agencies show on my report - will the Lloyds TSB, Halifax and HFC show as paid? I did question getting the…
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Entry on my credit file - is this right?
6 payments late Settled Thats what it says. Should it not be satisfactory and settled? Wouldn't I have been better defaulting on this account? Could I get this removed? Paid off 3 of my debts today - further debt cleared off :beer:
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Debt collection company chasing me for Debt I didn't do.
Evening all first time poster after some advice, a debt collection company has tracked me down for a debt on a house I've not lived in since 2004 for a transaction/agreement I've never made. The debt is to a catalogue company I have never used for £600 but in my name and at my address from a house 2 'old houses ago' from…
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Please Help!
Earlier this year , i was made redundant. Luckily my husband got a job in abroad / not EU countries. I had to join my husband, hoping i will get a job there and pay off my debt in the UK.while i was in abroad , i did not get any job. I have come back to England for a short time and the bank has blocked my cards until i…
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A day of 2 halves....
Well today started with an overspend :( Dog had booster at vets so £47 down, then petrol in car -£62:( However, have been trying to persuade hubby to pay our next account off with our savings and he has agreed :beer: (thanks to poster from earlier that said to use womanly ways <wink>) So will be paying that tonight :T Also…
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Urgent advice re credit report
I have had a look at my credit report and it said i was only on the electoral role from 2007 -2010 so i raised a dispute with this as i still live at this address. This was updated today, It used to be 7e but now is shows as flat 2l left, 7 When i got my updated report with the address fixed, all my credit reports,…
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CCJ issued against me saying I hadn't responded but I had
Hi I'm not sure if this is the right place to put this but I couldn't find anywhere specifically that had ccj I was recently sent a court summons about an old debt to an ex landlord. It had various options attached to it. The option I chose was that I disputed part of the amount. I stated the amount I agreed I owed,…
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Don't know where to turn or what to do first
If I know I am possibly going to struggle making payments should I get in touch with companies now or wait for red letter, it seems madness to leave it people keep telling me I'm being stupid and I have no problem despite a fortnight working a total of 32 hours when I'm used to 80, I rung National Debtline to be told more…
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Where can I find a debt reduction tracker?
Can anyone direct me to where I can find a pre-written/formulated Excel spreadsheet where I can track my debt reduction? I'm making overpayments on my loan that has 6.5%APR and I'd like to have a spreadsheet to both keep track of the balance and for motivation.
