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in so much trouble i duno wat to do :(:(:(:(:(
me and my husband managed to pay off all our credit cards apart from 1 last year so when we got into difficulty due to our daughter bein born 10 weeks premature and him having to take time of work, we took a payday loan. of course we didnt listen to anyone who said it was a bad idea. then took another to pay that one off.…
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Credit Score Plummets 85 Points in a Month?
Hi I had a score of 390 which has been downgraded to 305 by Equifax: This has taken me from the border of "fair" and "good" to "poor". The only difference from the last credit score was that accounts at my current address were updated from 1 Active agreement to 3. This is Mobile Phone, Current Account w. £100 overdraft…
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Credit report
Hi, I have some defaults that were placed in September 2006 - therefore they should fall off my account this month? Is this right and if so how long does it take? Do I have to do anything to get them removed? One was defaulted on 14th Sept and is still currently on my credit report with equifax? I am paying the debt off…
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dmp one more payment ends
we been with pay-plan for about 9yrs prox. we got one more payment, to Barclay card only :T. It has been very hard at first to come to terms we can not pay our way being in debt etc. Pay-plan have been brilliant, apart from lack of knowledge on our part. We feel a weight of our shoulders. :j So l wish everyone best of luck…
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Need help with where i stand...
I'll cut a long story short as best i can. I had a Natwest account, and i stopped using about 6 years ago and moved to Barclays. (NatWest were C**p!) In July i had a letter from Natwest saying they were 'transferring my account to CapQuest' as they had sold my account. Cue letter from capquest asking for £415 for debt owed…
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Finally on the way out of debt for what will be the last time.
Despite posting around this time two years ago when I had paid my debts off I still then managed to acquire a further £3000 of debt. However, I am 3 installments off being absolutely debt free for ever apart from a mortgage. Roll on 1st December 2012 :o The remaining money owing is 0% credit card which runs out in February…
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Paying off my debts: Strategy
Hi guys...my first post here so apologies if it has already been discussed. I have been having debt problems for the last 2 years largely due to an investment that went bad. I had somewhat stupidly committed to expenditure based upon the continued income generated by this investment...however after a couple of good years…
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Managing on a weekly income
Hello, I'm not sure where to start so I'm sorry if I jump around a bit!! Basically my husband is self employed I have done our budget and we should be managing financially and yet we are always struggling around for money :( . I find most of the budgeting gets left for me to do but find trying to budget weekly a nightmare.…
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Debt Settlement / Full & Final Sttlement
Hi Everyone, I need some help and advice. I have been on a Debt Management Plan with Gregory Pennington since 2007 paying £34 per month account fee. I have been approached by a company linked wth money expert - Immediate Financial, I am also looking into Debt Advisory Line and Settle-My-Debt where I am looking to do a debt…
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Question About Arrears
i have got quite a few arrears on several of my accounts during my hard time of debt, and was wondering how bad are these on credit?, how long do these take to get removed? and if not how can i remove them? i only have one defaulted account (3years gone )but 4 that were in arrears, thankfully im debt free now :T:)
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car finance Liability
Hi, I have a quick question, I sold my car to webuyanycar.com absolutley under the impression that i had no outstanding debt on my car (or else i wouldve never tried it) anyway they did a check it all came back clear and they bough it and they paid me. however, i have just checked some all paer and work and have realised i…
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Tuesday 18th September - What small DFW things will you be doing 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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Feeling really really lonely.
Can't really put my finger on it, but just feel super lonely tonight. I've got letters from companies/debt collection agencies coming out of my head, I'm struggling to make payments to CCCS for my DMP and my OH and me are struggling, on all fronts. He doesn't understand the worry of every letter that comes through the door…
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So Excited...
I have been following my credit file for the last couple of months.... And at midnight tonight (or within the following 48 hours) My credit file will have it's first Drop off.... a debt that defaulted in 2006.... :T :j :money: And a further 10 defaults and Bad debts will fall off between now and Christmas eve 2007.. :D :T…
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AktivKapital - Canada
I have an unacknowledged debt from November 2002 which AktivKapital has apparently purchased, as I received a letter from a collection agency telling me to pay it. I have checked the two credit reporting agencies equifax and transunion and both show no debts on file - obviously the statute of limitations has long since…
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Credit report
Hi all, i want to obtain a copy of my credit file. Which is the best one to use please. Thankyou
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Getting rid of old clothes
Dear all, I've got loads of old baby clothes that are too worn and tatty to pass on, and know that you can sell on old clothing by weight. Does anyone have any recommendations which are good ones to use? Thanks, Helen
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Metroplitan unable to provide copy CA
I have a defaulted bank account and defaulted loan totalling £12k outstanding with Metroplitan (passed from HSBC) I was recently thinking about having a go at reclaiming the ppi on the loan and asked metropolitan for a copy of my credit agreement They sent me a couple of holding letters & a finds letter saying they are…
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Please help me move to my dream home
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 4 Monthly Income Details Monthly income after tax................ 600 Partners monthly income after tax....... 1083…
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Can't stop spending :(
Hi Guys, My names Ben, I've been in debt since i was about 18/19 (I'm now nearly 26). The amount of debt has slowly increased as time has gone on, originally I took out a credit card to get some computer parts as my PC was playing up which was about £400, when the interest free period was up I balance transferred the card…
