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New here, please help with IVA question
Hi, I am new here, having finally pulled my head out of the sand. Just got to get dear husband to do the same now! Basically, we have run up too much debt. Up until now have always managed to make loan payments and minimum credit card repayments but lived in a vicious circle for years of building up more debt as by making…
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Removing defaults on credit file?
Hi Guys, I am completely new to this site and have a few questions. I had an excellent credit history till around 3 years ago got into abit of debt at uni. I had a lloyds credit card which i fell behind on payments, I recieved few collection letters but nothing in the shape of a default letter and they defaulted me for…
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Letter Template
Hi, I need to write to one of my creditors who have issued a default notice. Many months ago I saw a template on here. I need to send a letter stating that I am in a DMP and you have had copies of my budget etc. Could someone send me a link.
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Getting back on track
Hi guys, I have been a long time reader of these forums but this is my first time of posting as Im after a bit of advice. I recently used noodle to check my credit report and my problem is my I have 2 CCJs (Due off June & Sept 2013) and 2 Defaults (Due off July & December 2013). At the moment I have a Santander account…
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money advice
My mam wants to pay for me to go on holiday as I don't have much money & am trying to pay off quite a lot of debt. My worry is, if she books a holiday will a credit check be done on me. As this would indicate to the companies that I have debts with that I have money to pay for a holiday, but I don't.
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I dont want to feel sad anymore!
I just wanted to say hello! I have been reading all your inspirational stories for such a long time now, these have given me such comfort, and courage to keep going down the long, long road of debt repayment. I have weekly ups and downs, and feel my whole personality has changed some for the better, some for worse. I feel…
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Default on Credit Report
Hi, After watching Martin's money show last night it encouraged me and my husband to both look at our credit files. I have just signed husband up to Noddle and its showing that he has been defaulting on a Lloyds TSB debt for the past three years. Hubs was surprised as this debt was sold to Wescott and he has never missed a…
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Advice On SOA Please
Household Information[/b] Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1140 Partners monthly income after tax....... 0 Benefits................................ 680 Other…
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Budgeting help? :)
Hi, I'm new here. :) I've recently moved out of home, and my main expenses (rent/food/beauty/phone bill) have gone through the roof as most were part paid or quite low when living with parents. Any one got any tips or links to posts on budgeting? The things I need to cut cost on, which I actually can reduce the price off…
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Set aside 5 year old partial amount CCJ
Bryan Carter was collecting an old NatWest credit card debt from me for £588 back in 2008. When I didn't pay, he then got a CCJ on me for £274 which was not the full debt. Forward 5 years and I've not heard anything from Bryan Carter since and the old NatWest debt has dropped off my credit record as it was last paid in…
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Multiple defaults on one account
I'm currently in a DMP. Our Noddle credit report is showing that the tesco credit card was defaulted in September. The report however shows default on every month since as well. Is this correct? Whilst I won't be in a hurry to get any more credit once we have cleared our debts, we do have a mortgage, and therefore will be…
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Where to start....?
Hello, this is my first post on this great site. So much info. Okay deep breath and I will try to keep shortish. I just need to get something down here as a starting point. It all started back around 7 years ago with a failed business venture. Left it to long and should have got out earlier. My wife then got made redundant…
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EEEEK! Letter from Barclaycard
Hi all, hope you are well :j I have received letters from Barclaycard for 2 accounts (1 previously Egg) in DMP now self managed which is going very well so far :beer: They have informed me payment plan agreed will end 12th June, so my question(s) is - do I just write to them and advise circumstances are the same and will…
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Re registering of default by DCA and Original Company (Barclays)
I have managed to pay off all of my debts now in full and final settlements and start to get my credit score back on track, or so I thought, I checked with Experian today and a debt for an amount which has been paid in full and final settlement is appearing as satisfied however Barclays have re registered it as unsettled…
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Sky chasing debt unfair cancellation fee
I hope I am posting in the correct forum and dont get flamed, Newcomer here hi fellow moneysavers :p I signed up with Sly for there 6 month half price offer through quidco to get some cashback didn't go through online so I called them and they offered me a better deal at £19 per month throughout my 18 month contract for…
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Increased Credit Limit
Hey folks - I've just had a letter from Nationwide asking me if I want to raise my credit limit on one of my cards by £2000. My first reaction was no because I'm trying to reduce the debt. There is no temptation to use the credit and run up more debt as we are trying very hard to get out of it, not get ourselves further in…
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Bad Credit Score - help improving plz!
Hello, Hope im in the right place. Im after some advice on my husbands poor credit score. To cut a long story short, my husband failed to pay off small credit cards amounts / pay day loans. This was a few years back and all debts have now been paid off. His credit score is rubbish, which we only found out after we tried to…
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Experian, Equifax, which one?
I pay monthly for my Experian credit report. Will credit report be the same with all credit report companies?
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Callcredit - "conflicting information"?
Hi fellow MSErs, Following Martin's prog on Friday night, I signed up to Noddle. I've been self-employed for the last 3 years, & have made no new applications (i.e. credit cards, mortgage, loans) over that period, but simply retained what I had when I became self-employed. I can see that necessary credit searches have…
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Definitive answer: is a settlement better than a default?
I keep reading mixed answers on this across the internet, but ill try here in the hope of getting a definitive answer. I have two old debts: 1. Vanquis £3500 (i maxed out my limit at £500 when i was having financial trouble and they just kept putting up the limit every month - obviously they saw i was having trouble and…
