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Tenant referencing/poor credit
I posted this in the housing forum originally but despite many reads have had no replies - just wondering if this forum might be a better place for it? Hi, I wonder if anyone can help. I'm on a debt management plan and so have lots of defaults on my credit file. I am repaying my debt responsibly and am otherwise very good…
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Realistic price for house insurance?
Hello everyone, Have just received my contents and buildings quote for the year and it's £589. I live in a 4 bed detached house (large mortgage!) and have never claimed - ever. Have started looking at the comparison sites. What do people think would be a good price and what extras (personal possessions etc) do people think…
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Council tax advice
We owe £491 on our council tax for this year. We have to pay the full amount or we get a magistrates summons. I rang to say we can't pay thàt in full and could we set up a payment plan. They said no we must pay the full amount. The only way we can set up a repayment plan is once we've had the summons and this adds a…
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statute barred
Hi, i want to clarify my situation in regards to being statute barred. Some years ago after i was made redundant due to illness i continued with agreed lower payments on my credit cards for about a year. I then became pregnant and went to citizens advice to seek advice as i was unemplyed and was in no financial position to…
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Advice wanted: debt and spousal debt.
Hi, I was wondering if anyone could help or point us in the right direction??? When I met my husband he had his own house (mortgaged not owned). We have now been married over a year and both live in this property. My name is not on the mortgage. We both have debt and not in a position to buy a home together at the present…
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New here...
Good afternoon :) I've been lurking for a week or so, and decided to finally join the forums. I seperated from my husband nearly 2 years ago, and after that I had a sort of breakdown and maxed out all 6 of my credit cards in less than a year. I had perfect credit before then and now I'm in arrears, etc and have just…
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Debt management IVA?
Not sure if this is in the right sub forum?! After un burying my head in the sand, I have come to terms with the fact I need help ith my debts and have been speaking with a couple of debt companies today. Obviously each want my business so to speak and I would like an un biased opinion as to wether a debt management plan…
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HL Solicitors and Sigma Red??
Hi guys, I'm not sure if this is the right section but I need some help regarding the companies mentioned in the title. First, a bit of background info: A few years ago I worked for T-Mobile and my ex boyfriend's phone account was linked to mine with the Friends and Family package. When we split up he maintained payment of…
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Barclaycard have taken money I don't owe
Hello all. I've been lurking on here for a while for advice but have only made one other post (which I now can't even find :o ) Apologies if this isn't the right section for my post I have managed to tackle a big chunk of my debt thanks to a generous loan from a family member. Still a big chunk to go but I'm getting there!…
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HELP! Credit card debt... now live outside of UK
Please help me. I recently moved to Luxembourg from the UK and currently have around £6,000 split between two credit cards. My interest rates are around 25-29% and I am struggling to see how I will pay them off any time soon. I cannot transfer my balance to a 0% interest free card as I am no longer a UK resident. Neither…
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What's a Calling In Notice?
Currently in a DMP with the CCCS/Step Change but from day one we've been harassed by GE Money to the point we turned the phone off and told them to stop calling us using the template letter on this site. However, we've now received two letters off them. One charging us £30 as fee for a default notice and another for £25 as…
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Credit Report
Hi All, I have been looking at my credit report and noticed that I have 1 AP marker recorded in March 2011 on a loan account which settled in November last year. No payments were missed over a 7 year period just one or two late payments over that time and one AP. How detrimental is this on my report for future lending. Is…
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Mothers Protection
Hi Can anyone advice please I took out a loan on behalf of my son (9k) which I repay on a monthly basis with an arrangement that he pays me back on a monthly basis; his repayments have been fine even though irregular but he is not behind, as he catches up.. He is self employed as a LTD company the loan was only used for…
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Paying off a DMP early
Hi all, Quick question that I was hoping for some help with. I have been using Payplan for about 5 or 6 years now and have just under £4k left to pay from the original £15k. My financial situation is a bit better and I am likely to be able to pay this off early and raise the funds for the £4k within the next month or…
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Payday
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Payday Express payment plan
Hello all, I am new to this so thought I would come on here for some advice. I got my self into a payday loan trap where most of them now have agreed to a payment plan. Payday express setup a 3 month payment plan to pay off a total of £545. 1x 100 1x 100 1x 345 They required my debit card details to set this up. a day…
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Payday lender - Minicredit
Hi I need some help and advice. I notified Minicredit that I was losing my job 20days before due date. They sent me a hardship form which has taken them 18 days to give me an offer. the loan with interest is £424 but they are insisting that they are adding default fees £80 + interest at £372, in total owing £876!! I can…
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Mkdp llp old debt on credit file?
My other half has a debt from 2006 for £2000 from welcome finance. He has not made payments on this since 2006 so assume its defaulted from then. Anyway, he regularly checks his experian report and on checking last night there was a default from MKDP LLP re-dating the debt to 2010! He hasn't made any payment on this since…
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Thursday 28th February 2013 - what small things .....
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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Any Viable Options?
Hi guys, I've been looking around for a while and just don't know what to do. Basically I've got £2600 on my Vanquis card at 34.08%. Every month when I get paid I pay £150 but the debt is taking literally forever to go down. I was looking at getting a loan with a lower interest rate, paying the entire card off and getting…
