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Cpquest changed the default date - please help...
Im really hoping someone can offer me some advice. Around 5-6 years ago my relationship with my partner broke down and I was left in lots of debt. I ended up with 3 ccjs/defaults. 2 for store cards that I got for my partner and one mobile phone bill that again was his but in my name (Silly I know and believe me ive learnt…
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Lowell Group and Debt Managers
Hi All. I've been having some problems with both Lowell Group and Debt Managers in relation to a old O2 contract dating back to 2007. Having had my phone stolen, O2 notified me that my insurance didn't cover the loss or the unauthorised calls and after about 3 months of calls backwards and forwards, nothing was ever…
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Stupid mistake, need help!
Hi, I've been struggling with debt since losing my job last year, stupidly I've been ignoring my creditors until I started a new job and could afford to start making payments. I started a well paid job about 6 weeks ago and things looked like they were on the up. My intention was to set up a DMP as soon as I started…
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Debt Dispute with BT
Hi all, I was wondering if some of you good fellows could help me out with some advice. A few years back I took out a BT phone line with internet, which was all fine and dandy. However, due to some problems with my bank account, payments to BT were suspended, and it was quite a while before I could sort this out properly.…
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cant access mt credit file any ideas?
im trying to access it through noddle entered all my bank details etc to confirm my address but it came back with sorry you cant be verified, ive lived here for 4 years and at my previouse address for 3. im not on electoral roll register but you can only register for this at certain time of the year can you not? ive never…
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can this be done?
I am currently on an administration order and pay a certain amount off each month to my creditors, one company keeps hassling me and sent me a letter saying I owe them £1, so I paid the £1 and kept the reciept, after they receieved the £1, they turned around and said they made an error and that it was £1000 i owed them,…
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Is there a way to block access to PayDay loan companies?
I have a relative who has money issues and keeps on turning to payday loan companies to get quick access to cash - but of course just keeps on digging herself into further money troubles. I know that many gambling websites include an 'opt out' option, where you can block/bar yourself from being able to use their websites…
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CCJ and credit record
Hi, It's not clear from previous threads on the subject so I'm hoping you can give me a definitive answer. Is a CCJ removed from your credit file 6 years after the date of the judgement, or 6 years after the date it was settled? For example, we had a CCJ judgement in December 2006, and paid it off in April 2011. Therefore,…
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Financial Help Please
I started a business in Jan 2010 and had some equipment onlease for 3 years at which point I would own it. The lease was secured bymy husbands uncle on his property as I had nothing to secure it with so acharge was made. During that year I struggled with cash flow and thecompany offered me a loan for £15,000 which I took…
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Welcome finance has changed info on my credit report
Hi all, I need a little guidance before I proceed, I got into a bit of bother 5 years ago due to a relationship breakdown and defaulted on 1 loan with Welcome finance, all has gone well since and I owe 1 more payment of £164 due in December. I received an email form equifax stating Welcome finance have made changes to my…
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Wonga, Is this legal
Hi All, I am looking for a little advice, about 2 years ago my brother was loaned some money by wonga and stupidly didn't pay it back it was about £600. After some hard consideration i decided to help him out and clear it so that he would not incur any more charges. Instead he paid me back over 6 months. I called wonga up…
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Default Reporting - Advice Please
I have one remaining default on my file and would like some clarification about it, if someone could help me with it please. According to the Experian report the date of default is stated as, 08/01/2008. So according to that it will be Jan 2014 before it drops off the file. However the account details show 64 months worth…
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Wednesday 21st November - 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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HELP! Nationwide F/F or Partial settlement?
Nationwide have written to my parents to inform them they are taking them to court to have a charging order put against the house for an original debt of circa £13k, although this is somewhat reduced as they have been on a DMP with CCCS for over a year. Earlier in the year, (feb) Nationwide wrote to my parents to say they…
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DCA Order to obtain information
Hello lovely people, I am after some serious advice. I have just returned from a 2 year working holiday only to find out that whilst I was away there had been a CCJ registered against my name and the DCA are now threatening to go to court again to obtain an order to obtain information. The debt in question is with…
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Debt dilemma
Hi everyone, I racked up a little over 12k in debt and was really struggling to make the payments of 2 loans 2 overdrafts and 1 credit card. I had unauthorised overdraft charges which mounted to over 3.5k. I then filed for financial hardship so I could claim them back but got blown out of the water. I then admitted defeat…
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credit searches
can credit card companies and catalogues that you have existingdebt with, credit search your address or other people at it or just the person who has the creditwith them and the details they hold on them that they can credit check
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Early Settlement Offer Advice Needed Pls
Hi, not sure if this is the right forum, but need a little credit score advice. I have been in debt for about 14 years, 12 of which have been spent paying it off. I still have another 7 years to go, but have just come into some money which would allow me to pay most of it off now, and then the rest over 2 years. However..…
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Letter for old debt - to send Cca request?
Hi, I wondered if anyone would be able to advise us. My partners just had a letter from 1st credit saying he owes 8000 odd, now he did have an outstanding debt, and about 5 1/2 years ago last made a payment, he had agreed a small about with them due to low income, but that was the last payment. Since then, this debt and…
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Help - Being threatened with Bailiffs for unknown debt
I'm a complete newbie so apologies if this is in the wrong place, but would really appreciate any experience others may have on this. I've come home from work to a letter addressed to my partner at an address that vaguely resembles ours. The letter has been drifting round in the postal system until eventually arriving here…
