-
Still staying positive
So like most of you on here I am currently working on my debt, luckily mine didn't get too out of control, however my outgoings were more than my income. Feeling really down about it at the beginning of the year I took on a second job to help with payments. It can be difficult working in the evening after a long day in the…
-
Here we go!
Hi guys & gals, after saving up, and a lump payment to me, I'm now in the position to go debt free! At 29 this is the first time since I was a teenager I've got the chance to go back in the black, and its a good feeling :) but... got the hard work to do in about 10 mins... thought I'd start a quick thread to show how this…
-
Ccj on noddle
I have had equifax and experian credit reports for about 2 years and have never been able to get on call credit for some reason but I finally got on noddle the other day and have noticed I have 2 ccj both from Northampton and both in 2007 both shown as active. This is obviously the first time I've heard about these so I'm…
-
credit score 170
my credit score is in the very poor section , this is because of my old / other account i now dont use. natwest overdraft £384 - account frozen , no interest been added natwest loan in default - its a big loan. if i pay of the overdraft which i can do on payday and then make some arrangment to repay the loan, will this…
-
Credit file default
We have just been turned down for a mortgage with our existing mortgage company (for additional lending). The reason is a default on our credit file from Lloyds on our joint current account. We decided to move our joint current account to FD from Lloyds in January 2012. We moved all of our SO and DD succesfully and stopped…
-
E-On checking credit report - more than once!
Morning all, Looking for MORE advice ;) I have just moved into rented property (private landlord) and was looking to switch my energy supplier. I completed a comparison table online (not 100% sure which website) about a week and a half ago. Chose E-On (as they were the cheapest) but failed the credit check so they offered…
-
Thursday 26th July - 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Do some lenders look further than 6 years credit history?
deleted as I have now found the answer to my question.
-
No loan agreement Advice on getting a loan written off
Hi I am hoping somebody can help and offer some guidance. Having done a little research I am looking into trying to get my personal loan cancelled. I have rung HSPF Loans several times asking for the loan agreement that I signed a few years back and they have not been forthcoming. Now there seems to be a lot of conflicting…
-
Statutory barred debt on credit file?
In August 2006 I took out a personal loan of 3500 with the full intention of repaying the loan in full within a month as I was owed 15000 by my business partner. I have still to this day not received any of this money and have buried my head in the sand about the personal loan. I have just requested a copy of my credit…
-
S.O.A. Help please
OH going bankrupt, small business failed. Been out of work now for a few months. My income is not covering everything. i have been quoted cheaper life insurance probably saving £10, only thing is i think OR has now claimed this. We have tried to have a cheaper weekly shop but its impossible. I only ask £100 a month from my…
-
Love or a good credit rating?
I feel like I'm stuck between a rock and a hard place :( the main reason I got into debt was moving out; living in an expensive flat with a decrease in income. The problem is now I've dug myself the hole of debt, I can't seem to get out of it. I live with my boyfriend, and wow is he good at spending money. He gives it all…
-
Barclaycard help
Evening guys. Need a little advice. We had to reduce payments to everyone on our dmp for one month only, first time ever have since continued normal paymens. CCCS contacted everyone we owe letting them know thi arrangement. Barclaycard have aince contactedus saying we we are behind on our payments and we need to pay an…
-
Refusal of inheritance?
Not sure I am posting it in to a right board. The situation is: A son of someone I know has died intestate living his flat in negative equity plus about 15k of unsecured debt. His Estate is negative without a doubt/ can an next of keen refuse to inherit it as it is obviously not beneficial for my friend to inherit any…
-
Default dropping off
Hey All I have a default on my credit file wich started on the 1st of december 2006, i am currently paying the debt collector each month, my question is that when this default drops off will i still be able to make a payment each month to the debt collector Thanks for your help
-
Lloyds 'refusing' to switch DDs
Hi All, It is more like ignoring than refusing really I had to open a safe basic bank account with HSBC, we also switched (what was) our joint account and my husbands current account. I have a DMP starting on the 28th. I moved my DDs myself as there were only a couple. My husband's were switched straight away, his account…
-
Starting to get the ball rolling
I am asking the great people on here for some help I am in debt around the sum of £5700, but also suffer with depression, i have issues going on in my life and i just dont know who to turn to i am trying to stay strong but feeling very low in mood :O(
-
No more 0% cards available and interest has kicked in
Hello all, long time reader, first time poster. In short, I'm struggling on current means, mostly due to credit card commitments now that 0% periods have ended, interest has kicked in and they've reached their maximum limits. At present I have just under 17.5k on credit cards and 10k left of a loan to repay at 400 a month…
-
Local goverment ombusman report 18/07/12
http://www.lgo.org.uk/news/2012/jul/blaby-council-criticised-bailiff-charges/ download full report top right In her report, issued today, she says: “I am issuing this report in the public interest because the practice of bailiffs’ ‘double charging’ for visits is not uncommon. These bailiffs were acting on behalf of the…
-
Need some more advice about my overdraft please :)
Hi guys, I've posted before about my overdraft issues, see here if you're interested: https://forums.moneysavingexpert.com/discussion/3861759 I've been steadily managing to bring down my overdraft, and after having a frank discussion with my other half about our finances, we have agreed that we need a joint account for…
