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Desperate and confused...
Hi...I dont really know where to start so I guess I will try and start at the beginning and cut a very long story short. I am 35-yrs old, separated (not legally divorced) and have no dependants. I live in a flat which is shared equity with Barratt's as it was the only way that I could get onto the property ladder after my…
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Keeping motivated while recovering debts...!!!
Hi guys, I'm having trouble keeping in the right mind frame while trying to dig my way out of debt. Every fortnight or so I go through the process of having a financial epiphany, keeping dead motivated for 10 days or so then being tempted at the weekend and 'justifying' my spending through past good behaviour. I guess I'm…
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Is this going to give me a negative on my credit report?
I signed up for Credit Expert where they will mail me when something changes on my report. Today I get an email saying that Orange have added 1,2 late payments a yellow block on my report thing. Well, I don't think it's really fair tbh. I cancelled the DD when the RBS messed up my money and I had no money to pay any of my…
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credit file question
Hello all, After finally deciding to see that paying a monthly subscription ( rather than say it's money better spent on debt ) i have signed up to Experian. Taking a while to digest all the info but it's stating to make sense & i have a question... I have a CCJ on my file & although i have paid the full amount in full to…
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Robinson Way Ltd - Help please
Hi all, My husband has rcvd a letter from the above debt collection agency chasing a debt owed from 2003 which he knows nothing about. He has rung Robinson Way and they have advised that it is for an account that he held jointly with his ex wife who he seperated from in 2000. My husband is sure that when they seperated…
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Urgent advice needed
Dear All, I was wondering if someone might be able to help me... I am currently on a DMP with CCCS and have been for 2 years now, however I have having difficulty with one particular creditor...RBS they are a nightmare! All of our other creditors have stopped interest and seemingly trying to help us with our situation. RBS…
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Equifax
Hello, I'm not sure if this is the best place to post this but... I signed up for the 30 day free trial to check my credit report on equifax, clicking on the link on their homepage. It asked me to enter my details and card details-saying that this was to check my identity and obviously if you didn't cancel after 30 days…
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Council Tax Arrears
Not really sure if am posting on correct board. Have had a breakdown myself, and am a bit fragile, so please be kind My son and partner lived in a rented house from 2009 to 2010. There seems to be some council taxwhich was not payed, though they disputeit now, it's gone too far as they have ignored it. The letters come to…
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OH never acknowledged any debt
Hi Just after some advice too please!!! My OH had a debt with his old partner whilst he was abroad..now she may have paid something but my OH never acknowledged any debt. Now he is back in the UK they have begun chasing him(crapquest that is..said bought debt from Natwest)..but he sent the templated letter saying he denied…
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Defaults notices-The banks way of controlling britain
I had a current account with Nationwide which I ran up an unauthorised overdraft due to a £15 direct debit being returned (which in turn led to £250 worth of fees) and me moving house. Nationwide issued a default notice in 2008 which they issued incorrectly.I entered a debt management programme in 2008 and they negotiated…
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being chased for old debt- some advice needed
Hi, hoping someone could give me a bit of advice here, sorry if this is not in the right place. A few weeks ago I got a letter from link asking me to call them as there had recently been someone trying to obtain credit in my name at a previous address of mine, turns out this was not true as when I spoke to them they were…
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Barclays Overdraft
Hi :wave: I have a £1,000 overdraft with Barclays. Can I ask if anyone knows the best way to pay it off?
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k and co they say i owe them money!! after 20months!!
k and co took over from empire stores in january 2011. on the 7th september 2012, they decide in their 'customer excellence team' (thats a joke!!) that i have owed them approximately £700 since the transition took place, REALLY!! So no letters, it doesnt show on ANY of my statements? They can only look at details going…
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Creditor tells me I should DECREASE my monthly payments...
Looking for some advice here please. I've been on a DMP with CCCS since April 2011 and all of my creditors immediately froze interest except one. Lloyds TSB. They did at least reduce it to about 3% but they have recently reviewed the arrangement and, because my monthly payments exceed the minimum monthly payment, they have…
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Passed to a Debt Collector after 12 months of no contact, with no warning!!
Hi. Sorry if I've posted in the wrong place, I didn't know where else to put it :o Are a company allowed to pass on your account to a debt collector after 12 months of no contact and no warning? I joined a gym last year and cancelled my membership due to relocating. The staff member I spoke to at the gym was very helpful…
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Pay day loan on credit file
Does anyone know if I have a payday loan and then pay it off and never deal with them again - how long will the evidence remain on my file ? Is it still 6 years even though it didnt default or will it be less than that ? Im just worried that even though I should get myself debt free fairly quickly, the payday loans will…
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Defaults
Hi all, Quick question for you. I'm with CCCS and about 5 months from being debt free. I have 3 credit card debts. 1 has a default on it (ive checked my credit file) and the other two haven't. I got a letter saying another will be registered against me this month (ive spoken to creditor and its something to do with the…
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Incorrect default replace with Late payment markers???
I had a current account with Nationwide which I ran up an unauthorised overdraft due to a £15 direct debit being returned (which in turn led to £250 worth of fees) and me moving house. Nationwide issued a default notice in 2008 which they issued incorrectly.I entered a debt management programme in 2008 and they negotiated…
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Experian-Financial Association Data Help
Please can someone advise on the following:- On my wife's Experian statutory report which I have recently obtained there is no heading for Financial Associations within the report. It jumps from Aliases to Credit Account Information, does this mean she is not financially associated to me? I am querying this as when I look…
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virgin media debt
Hi I dont know if this is the right place to post this I last used virgin media a couple of years ago however i did not pay my last bill, first it went to a company called moorcroft i still didnt pay. For the past year i have been trying to sort out my credit history. June 2012 it was passed to advantis like moorcroft i…
