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TalkTalk Refusing Owed Refund
Hi guys, Just looking for a bit of advice/perspective on an issue Im having. In a nutshell I moved home a few months ago and transferred my talktalk services with me. For the forst few months they kept cancelling my installation date but continued to charge me my monthly payments. I contined to pay to avoid any issues and…
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Credit Score Advice
I'm just wondering what peoples recommendations are on bettering my credit score. It currently sits at 800 on credit expert which is classed as fair. I have a barclayloan which I've never missed a payment of originally at £5000, I have £1100 on a barclaycard at 6% as it was a balance transfer and the limit is £1200, an…
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There will be an end to this
Just been working out my payment plan for my debts, not a formal DMP, just how much I am paying etc and I at the rate I am going I will be unsecured debt free in 33 months. Now I know that 33 months is still a long time but for a long time I have felt that my debts were never gonna go away so It is good to have a finish…
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PADing
What exactly is this? I've seen 'PADing' in signatures and searched for it but no matches come up.:eek:
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Advice on my debt being sold
Hi there, I'm newly registered on here but I hope someone can put my mind at ease... I was made redundant about 6 years ago and came to an agreement with MBNA to payback my near £16,500 balance at £220 a month. Once this months payment went out it left a balance of only £193, which I paid with my debit card on Tuesday to…
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DMP - Worried I'll be stuck for 6 years!
Hi all, My debt is currently out of control. I am trying to keep up all my repayments but its hard when I have a young family to support and a mortgage to pay. I've previously been on a dmp and know how they work. I paid a monthly fee though as wasn't aware of any charities etc. I need to get in control of my debt because…
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up to my neck in debt
Hi im struggling in a cycle of charges and repayments at the moment. ive been asked to submit a statement of affairs so here it is... as accurate as i can get it. any advice on how to deal with this would be appreciated. Im currently £216 over my overdraft of 1500 and have a credit card that is maxed out at 4500. i have…
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Help advice needed!!!
Hi everyone I am new on here, I owe approx 14,900 on credit cards a coupl are really high interest 34.9 % I havent defaulted on any and am being made redundant and will receive 9000 I need some advice as to how much to pay off as i will need to keep some money in case i cant get another job immediately . Any advice gladly…
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HELP! Lewis debt recovery
Hello. Am new to this so hoping I have posted this in the right place. Just received a letter from 'Lewis debt recovery' saying I owe them £43.72 for an overdue eBay account but the only overdue eBay account I have is already with a debt collection agency and is already getting paid off as we speak. So I am wondering if…
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Can paying off debts each month lower my credit worthyness?
I posted my first post yesterday and wanted to check something with anyone in the know. Over the last few months, I have been throwing everything I have to debt. This included the following: £2000 to Capital One (account now closed) £2000 to Black Horse Finance (account now closed) and I am still in the process of sorting…
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Letters to send to creditors
Hello, I have recently ran into some financial trouble and I am unable to pay back 2 payday loans that I had taken out. * Can someone please explain to me what the first letter i should send to the creditors is? * Where can i get a good financial statement template from? * Is there some kind of order that i need to send…
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Mackenzie Hall - Default Notice
I am sorry if this is the wrong place to post this, i am new to this forum, On the 19th of september i received a letter from Mackenzie Hall debt purchase (the first letter I've had from the company), since the debt was sold on from QuickQuid, the letter states that i need to pay my outstanding debt (£531.41) by the 21st…
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How do you work out DFD?
Hi I'm not sure if people estimate this, or if they work it out by taking account the interest charged?
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lloyds default shocker on credit report
Hi All, Just had a shocker when i checked my credit report with Noddle. I took out a Lloyds loan in 2005 when i was at college for about £3000. I lost my job during the repayment period but was refused a payment break when i went into the branch. CAB helped me to arrange lower payments and it was all going fine, payments…
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Default Query
Hi, Can someone give me some advice on a default please? I recently applied for a credit card which was refused. My bank told me it was because I was in arrears with "an account" and would need to get a copy of my credit report for more information. About 8 years ago, I defaulted on an overdraft for £732 with HBoS. About 3…
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Staring into the abyss
Hello everyone Apologies for elbowing my way in here as a newbie and immediately asking for advice - only I don't know where else to turn. I'm in deep sh*t, have no idea about where to turn and am hoping someone can point me in the right direction. Or perhaps someone has a similar experience to call on. I owe around £8000…
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Recieved a collections notice on behalf of bank
I have a serious problem that i need help with and don't know where to find the answers. About February/March i get a letter from HSBC saying they want me to pay my £1250 overdraught off and i said that like most people I don't have that sort of money and said i would pay it off in installments which I have done. So far I…
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Thursday 20th September - What small DFW things will you be doing today?
:rotfl: 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…
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emailing creditors
Hi is it ok to email creditors when on a payment plan, rather than doing everything by post?
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What are my chances?
I am looking at applying for the derbyshire loan of 5.8% and was wondering whether i would be accepted. My debts are as follows £2900 left to pay on my loan with lloyds paying back £167 a month (rate of just under 10%) £5000 on lloyds credit card, latest payment minimum of £117 (17.9%) Overdraft of £800 (never been over),…
