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What happens after 6 years - default ?
Please help: Default put on account 01/08/06, i have been paying 10 a month for last year or so. On Aug the 1st will this debt be removed from my credit rating and all record of it. Thank Liam
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OMG - Need an angel.....
Last time I posted, I kept getting told to seek medical help.... but to be honest, i am fine in myself, but I need an angel... Does anyone know any Angel Investors that will support an individual rather than a company.... I won't be able to make any monthly payments next month and want to find a rich benefactor to assist…
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i want to clear my credit card
hi am student in this country,really am struggling to pay this credit card balances.i been just paying minimum amount for 3 credit card around £120/month. just minimum payments.still am remaining with the same amount balance. i have barclay card,vanquis,capital one. how can i clear it.some of the debt clear people called…
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Scottish power and harassment not my debt!
Hello all, this is my first post but need to ask you for my advice. Over a year ago I rented out my house to a tennant at short notice. I had previosuly just changed energy suppliers to scottish power but i had confirmed with them before the tenant moved in that I was not a customer yet and my previous supplier EDF was…
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what happens when you debt free
if i keep my job for the year, i will be debt free in one year. all the debt i have left is student loan what does it feel like? what do you do to celebrate? has it be easier to achieve goals
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Lowell and disputed 3G debt
Good evening all, I have recently had checks as have many on here by Lowell. I have read all of the previous threads in relation to this company and issues people are facing. I too unfortunately have a debt issue (3G Mobile) that has been going on from 2008 to which I have tried many different approaches to no avail. I…
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Jacobs Bailiffs
Hi everyone I'm after some advice if possible? I made the mistake of letting a bailiff for Jacobs into my property and have a walking possession order with them. I've fallen behind with the payments and if I'm honest I've buried my head in the sand hoping it will go away. Obviously it won't I know that. I had a letter…
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Payday loan company have taken tax credits
Hello, I was wondering if anyone can confirm or deny whether or not payday loan companies have to refund payments if they were taken from Child Tax Credits and Housing Benefits? A friend has had this happen and although she has bigger issues and needs to sort out her debt she has been left short for her rent this month and…
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Legal services commission???
any help would be much appreciated!!! i had legal aid over court cases with regards to family law, the case finished oct 2011. i represented myself in this hearing because my cert had been revoked due to me owing 2months contributions. i was granted legal aid but had to contribute a certian amount. I recieved a letter the…
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Help would be appreciated...
I have got into financial trouble and I am struggling this month to pay all my debts, I have contacted payday loans companies I owe and came up with a payment plan but it's still going to be a heck of a struggle. List of debts: Lending Steam 31/7/12 157.50 31/8/12 119.70 28/9/12 100.80 31/10/12 81.90 WDA 31/7/12 50.00…
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Snowball calculator I can't find it :(
Hi, could anyone post me a link to the snowball calculator as I have done a few searches and can't find it anywhere. Thanks in advance :)
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Help
Hi new to the forum and dont really know where to start. I have had debts for a few years now, tried to consolidate them, ignored them, and now I am at the end of my tether with the whole thing. I keep getting letters and phone calls from all different companies and really want to take some action. I have been foolish…
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Rent - Credit check
Can someone confirm or not if the credit check carried out by landlords only checks public information? So if I have a default the landlord can't see it? Thanks
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Letter from Albion Collections
Hi Guys, I have been on a DMP since January (first payment in Feb) and my biggest debt is with HSPF - a loan on a stupid interest rate. They have not responded to letters from me or from CCCS but have been accepting the payment each month and have not been bothering me at all. On 6th July they sent a letter saying I needed…
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Will Natwest issue a warrant of arrest?
Good day! I worked in the Uk for 5 years. Whilst on holiday back home (South africa) we had a family crisis and I had to use my credit card to pay for some medical treatments.(about 1000.00) A week after returning to the UK my brother died. I decided to go home permanently. I returned to South africa in 2004. Needless to…
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Debt Free Day
Today is my debt free day! :j:j:j:j:j:j:j:j:j I didnt realise how bad it was a few years ago until I got my credit report, always too afraid to check. My wife suffers from Bipolar Disorder and was in and out of work, I had to pay the bills and used loans and credit cards to cover us. Then a credit card to cover a credit…
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0% query on existing balance
Hi all I have 7k on card that had interest applied monthly. They offered me 4k 0% which I took to pay another card off. So 7k with interest applied 4k at 0% balance of ~11k Offered me another 1k at 0% which I BT my bank (minimal charge) and paid straight back to card which they apply to the highest interest part of balance…
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Removing a default notice
i entered into a debt management programme with gregory pennington in Aug of 2008 to pay £5 a month of an overdraft with halifax. After 2 years of paying the £5 a month i came into some money and asked gregory pennington to arrange a settlement fee with halifax in oct 2010. Halifax then passed my file to the collections…
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Monday 30th July - What Small DFW Things Have You Done 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. 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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In your quest to be debt free, how many hours a week are you working?
Being self employed more or less, sole trader with own jobs in evenings and weekends and a contact site work as a 7.30 till 5, i find 75+ hours a week are not uncommon. Especially recently as i step up savings to improve cash flow and emergency savings to ensure even once debt free i will never need borrow again, mortgage…
