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HELP! - Disputing Debt That is Effecting Your Credit Record
Five years ago I took out a mobile phone contract with Vodafone through Phones4U. After a few months of poor customer service and a dodgy handset I told Vodafone that I wanted to terminate the contract. They then sent me a bill for £485, over £300 of this was a 'termination fee'. I disputed the bill and requested that…
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best way to transfer money to someone in Canada?
My sister is having money problems in Canada, what's the best way to transfer money to her so she can pay her rent? I think she needs it by tomorrow or asap. She said bank transfers they charge and it takes a few days, and Western Union is a bit cheaper and is quicker? Is that correct?
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Equidebt Limited letter
Hi. Today i have received a letter from Equidebt, it says that their are "attempting to contact the above named (me) regarding a personal matter and my address has been supplied as a possible address for our subject". And have quoted "our reference" number is *********. They are asking me to phone them to either confirm…
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GE Money Rant..BUT Lloyds help!!!!
Ok so we started our DMP with the CCCS in February and I thought I'd write and update and RANT about GE Bloody Money!!! From the start they've been a pain in the proverbial! Still charging interest at full amount and generally being pains. In April after phones calls 10 times a day we finally spoke to a manager who…
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Debts in my name that aren't mine!!
Hi guys, hope i can get some help because im seriously on my last nerve with this one. I have had debt collection companies trying to chase me for debts in my name, 2 to be exact. The only thing is...i have not taken them out, so in fact they are of fraud natured, and i know who it was who took these credits out in my name…
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PDL companies what's been your experience ?
Hey There, (no Trolls please, plenty of celebrities on twitter to for you to vent at and honestly I couldnt give a toss) THIS THREAD IS ABOUT EXPERIENCES IN CLEARING YOUR PDL`s NOT AVOIDING THEM. I am starting this thread for those of us who are looking to escape the payday loan trap. Im looking to draw on the expriences…
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talk talk nightmare . urgent help needed
hi. I'm so sorry if this is the wrong place to post this.please can someone help . I've added talktalk to my DMP , but talktalk doesn't want talk to my 3rd party. my 3rd party has send out all the information they need , but till talktalk won't talk to my 3rd party . please can someone help as this is really stressing me…
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Tips to stop spending!!
As the title says, I'm wondering what you DFW's do to stop buying without thinking? We currently have approx £5000 on a credit card (used to pay for a new boiler and other house things when we moved) which is 0% until June next year. It will be paid before the 0% finishes but I'd like to see if I can get it paid before…
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Overdraft been sold to another company
Hi, I had student account with Santander years ago and an overdraft of £1600 roughly. I stopped paying it back and they registered a default on my account in 2010. They then sold the debt to another company and I have recieved nothing in the post regarding the money I owe from this debt collecting company. I have…
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Laylacat
I need advice.... I am in a DMP with payplan been so for 18 months they have mentioned going for an IVA and I am not sure what to do.... my debt is £26000. Also had a call from a company called money expert they said can go into a debt negotiation plan, this was a bit worrying because even though they promised the debt can…
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Vanquis, Provident, Capital One - Effect on Credit Rating
Finally after seven years I am pleased to be finally closing a chapter of my life involving bad credit in the form of defaults and CCJ's. The last default that I have on my credit file will come off at the end of September. It has been a struggle and although I didn't want to take out any more debt, as my credit rating was…
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Payday Loan companies what was your experience? feedback
Hey There, (no Trolls please, plenty of celebrities on twitter to for you to vent at and honestly I couldnt give a toss) THIS THREAD IS ABOUT EXPERIENCES IN CLEARING YOUR PDL`s NOT AVOIDING THEM. I am starting this thread for those of us who are looking to escape the payday loan trap. Im looking to draw on the expriences…
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CCJ info???
How do I find out about CCJ's that I have? My partner, my baby and I are homeless and want to rent a house but have been told we will fail the credit checks with estate agents if we have CCJ's. We know we do have them and would like to sort them out but all the sites that say they give information for free actually charge.…
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Backdating the date of a default?
I entered into a DMP in June 2005 but Natwest did not apply a default to my account until January 2008. I finished my DMP earlier this year and the other default I incurred during my DMP will drop off my account later this year. Obviously, I will still have the Natwest default on my credit file for another year and a half…
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Paying off loan early - best way to do it?
Hi all I have a loan for Santander for lets say 10K. I would like to make overpayments of several hundred pounds a month to end the loan quicker. I called them and they said that this is fine with the slight caveat that paying it off early will cause me to be charged an extra month of interest. Which is fine The thing that…
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Capquest debt - THEY are ignoring ME!
I was a bit hopeless about ten years ago, got into all sorts of debt, and slowly but surely sorted it out. About 5 years ago, I got a letter from Capquest saying that they were collecting on behalf of Natwest Bank, which I owed over £1000 to. I thought to myself "that rings a bell" and assumed it was a student overdraft…
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CCA request not been supplied, as DCA have quoted an exception? Right or wrong?
Hi and apologises if this post is not where it should be, I am a newbie ....unfortunately! I sent a CCA request letter to the Metropolitan CS Ltd dated the 18th August 2012 and received back their reply on the 28th August, basically stating that as the debt was for a current account overdraft debt that the 74 Act did not…
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solicitors
hi has anyone heard of Nelson Guest and partners Solicitors had a letter from them through Wescot credit services sent the prove it letter with £1 postal order but they sent it back. also sent letter saying i have no knowledge of the debt to barclaycard Then this letter came this morning asking me to contact wescot as they…
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credit cards and overdraft debt.
hi. I'm fairly new to this site so hope i'm posting this is the correct category! I currently have 3 credits cards: £1735- Nationwide cc £1645- Sainsburys cc £1947- Barclays cc I also have a barclays overdraft of £1400. I am getting charged £88 every month for the overdraft as I am over my limit each month and cannot…
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Go Debt
Morning all! DH and I are in the process of setting up a DMP but missed off one creditor, who are Go Debt. They rang today because I cancelled the direct debit last month which was £20 per month and they spoke to DH who explained the situation. They accepted a payment of £30 at the end of the month but then the lady told…
