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Paying off credit card to improve credit score
Hello, Need a little bit of advise regarding a Credit card I have had for a while. Over the last year I have been trying to increase my credit score as much as possible. As I plan to purchase my first home in 3-4years. I have a credit card which I have had for about 5 year from when I was at university with a credit limit…
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Hi all, any experience with Express Dept Solutions??
Hi all, I have been with Express Dept Solutions for a while now and don't seem to have any problems, everything dealt with. However they take £75 a month (£35 is their fee and the rest is for my depts). I've got 55 months left I've been told. This is just the situation I'm in and I want to know if I should change to a…
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Scary Letter From Nelson Guest & Partners Solicitors
At the weekend i recieved a scary letter from Nelson Guest & Partners soliciters. Client: Lloyds TSB Plc Client ref: ########## Wescot ref: ##/######## Balance £2705.53 Dear Sir/Madam Important: An offer to reduce the amount payable on your debt We are instructed by Wescot Credit Services Ltd ("Wescot") acting on behalf of…
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Lowell Financial doing repeated searches on my credit report! Help please
Hello, On my Experian credit report it shows Lowell Financial have undertaken regular searches over the last year or so. They show as 'unrecorded entries' yet on the main page of my report it shows '6 searches' so I am unclear if this is something that is affecting my credit 'rating' or not? I have no idea why this company…
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Advice on paying off high interest cards
Hello all, I was hoping for some advice on paying off my credit cards. I have had bad credit in the past so I took out a credit card to help rebuild which was going well to start off with. I had it paid off at the end of every month so that was great. Towards the end of last year I had to to use it for some stuff that was…
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Interest on Halifax credit cards
Has anyone successfully managed to get halifax to reduce interest on credit cards when on a dmp??? My hubby and I have been on a dmp with cccs for a year now, have been looking at all our statements as we are due our review and most of our debts are coming down slowly but surely. However we both have halifax credit cards…
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Help Required
Hello all I was wondering if anyone could help me. I have got myself into a complete utter mess with Pay Day Loans. I cannot continue the way that I am going with them. I know that it is my own stupid stupid fault and have now got to face up to the fact that I need to get them all sorted out. I have been reading through…
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[TEXT DELETED BY FORUM TEAM] completsavings
WARNING...When purchasing on ebay DO NOT TOUCH ANY FORM MARKED COMPLETE SAVINGS . They will not contact you again but will take £10 every month through your debit card . You will get no paperwork to let you know this happned, you will suddenly be £10 a month worse off . [TEXT DELETED BY FORUM TEAM] so be AWARE ..... PLEASE…
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Good Debt Consolidation Companies?
Hi, Please can anyone point me in the direction of some good debt consolidation companies please? I'm new to the site so please excuse my ignorance if there is already a page of companies with a particular forum. Any help is greatly appreciated!
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How to get out of a bad situation...
My husband and I are in quite a bit of trouble with our overdraft, constantly being in it or even going over it now. We pay around £1600 into the account, more dependant on mostly my husband's wage, which covers pretty much everything just about. Unfortunately my husband is a dreadful spender and not only do we need money…
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letters
where can i find templates for letters to send to dept companies asking for proof of dept am being hasseled by s firm called Wescot who have bought a dept from barclaycard I have already been dealing with one dept company and sent a letter asking for prooof about 3 months ago, but heard nothing back now this new firm has…
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bankruptcy Letter From RuthBridge HELP advice please
I had a debt approx 11 years ago a loan from the bank which i fell behind with and nothing more happened until last year late when i got a letter from cabot saying they wanted payment.And i just ignored it it now gone to Ruthbridge and they sent one letter and i read on here about this loan being status barred so i sent…
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Debt Management Plan vs Remortgag - Advice Needed
Hello Newbie here. I have £22k of debt. I have been making (at least) the minimum repayments each month. However and obviously, with interest, the balances never seem to go down much if at all. I have been in touch with Payplan and they have advised either a debt management plan on remortgaging or a secured loan. For me,…
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Just had Equita at the door :(
I Have an unpaid parking charge from November (council one). I meant to sort it but stupidly forgot. Since January I have had a carer as I have schizophrenia and they are slowly and surely working the mess out I have been in over the past few years. This morning an Equita Bailiff left a letter through my door saying they…
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Joint statement of affairs ?
I have an old debt which I got before I met my husband and I have been paying it back via payplan. However the solicitors are now chasing me and although they seem OK to set up an arrangement directly with them they have sent a form to complete with all mine and my husbands details of income, loans etc etc . The letter…
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Monday 23rd 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…
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Is a Unfair debt paid refundable?
Hi all, I was hoping for some advice. I wish I knew then what I know after reading through the Forum. Someone at my ex partners address did fraud on my name took out a catalogue with Shop direct on that address, they spent around £850. Shop Direct obviously couldn’t get hold of meas I didn’t live there so they passed it on…
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Notice Of Issue Of Warrant Of Execution
I recently received a letter from the courts for a Notice Of Issue Of Warrant Of Execution I am not currently in a position to pay off the full amount of the debt and am looking for some advice on how to deal with the situation 1) On the form it states in red print Ms Anemaet, this is the first letter I have seen from the…
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Can they do this?
I began a start up business in feb, and took a 12 month lease of an office space. The business didnt get off to a great start, and with the rent coming out of my pocket I messaged the landlady. I told her the position I was in, and if we could come to some agreement. No reply for days then an abrupt message back, reminding…
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DRO advice
Hi, I'm trying to help my sister who has run up debts over the past year including rent, water, electric, gas, council tax which in addition to previous credit card debt and a bank loan total £13,000. This is the third time she has been in this situation in the last 10 years and some of the debt is outstanding from 6 or 7…
