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Need Help Getting Default Date Moved
Hi, Quick version: Been defaulted after being in DMP since July 2009. Want date moved. Need help with letter and address (see towards end). Got noddle report today and see that I have a new default for 30/3/2013 on "Hfc Bank - HSBC Finance" which is for a HSBC Online Card. Been on DMP since Mid 2009 with them. (self…
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ccj help please
my mum recently did a credit search and found 2 !! CCJ.... she knew nothing about these and had no paperwork..... now she is divorcing my step dad and wants to sell her house so will the CCJ be attached to the house. ive tried ringing the land registry to see if a charge has been put on the house but they told me to do it…
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Paying off a charging order
I received a charging order several years ago against a property I jointly own. The Land Registry record shows a restriction against the property requiring notification to be sent to the plaintiff's solicitors if there is any proposed change of ownership or beneficial interest. I'm now in a position to pay the underlying…
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Charging order advice
I am hoping someone can advise best route. My parents has a CCJ against them in the 1990s, two years ago the debt was brought and they were taken to court over the £12000 they owed and a charging order was put on the house, as my mum is disabled and cannot move around due to a lung condition, they could not enforce the…
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How do you get your head in a no spend place?
Hello We've been on a DMP for about 2 years, have many more to go - but are really struggling. We have a relatively high income, but are also paying back about £500 a month which will shortly double, so still don't have much money left over - which is as it should be. What I am struggling with, however, is just feeling…
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Credit file full and final settlement lloyds credit card
Morning all, in 2008 i did a full and final settlement on 2 lloyds tsb credit cards. I paid the amount they asked for and thought everything was settled. In Jan this year lloyds changed the status of my credit file to say i still owed them 3,600 and hadnt made any payments on the account for a long time. i have it in…
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Tues 14th May - 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. :D But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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Pay off student loan or continue to save?
Hi Guys, I am currently working in Australia and saving 3000pounds a month in my bank account (no real saving account, so very low interest). I also recieve another 1600pounds every 3 months depending if i return to the UK or stay in Aus. I am currently paying about 350pounds/month of my student loan. Interest on my SL…
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help advice needed
hi new to this please be kind i am looking for some advice on I am trying to sort my debts out I bank with Barclays and I have a 1890 overdraft with them I also have a reserve fee of 150 which I have recently been slipping into which has resulted in charges I also have a loan with Barclays for 5800 which I pay 173 a month…
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The last 2k to go and it seems the hardest part!
So I have the last 2k to pay end of this month, well £1970 to be precise. End of August will be my debt free day (hopefully). But it seems so far away still. Having to go without, watch every penny for that extra 3 and half months seems a long journey still to go. I am getting 'wants' for so many things calling me to buy…
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noddle wont give me credit report...
They don't really give a reason why.. Just says try again another time. I've tried once a week for the last four weeks.. Anyone else had this? How is it resolved? Thanks :-)
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Business folded but have debts
My wife closed her shop last September due to lack of business. She has £24k of debt from that business. She's got another job but she's paying off the debt from her salary every month. Didn't declare BK as didn't want to risk losing home or belongings. Should she be paying income tax on her earnings even though it's going…
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DCA, expired defaults and some advice please!
Hi guys, this is my first post as a user but I'm not a new reader, over the years I've found several threads that have been of great help in my situation. A bit of background: Relationship broke down in 2004, moved in with a friend, he didn't pay his share, I funded the bills/my life with my wages and credit cards while…
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Notice of correction
Hi everyone I have just been looking at my credit report, and although I am on a DMP - it looks quite healthy in terms of the payment history. However the overall score is not good. I noticed that, this month, Orange have updated to say that my account has a late payment. This is not entirely true. Last week I received a…
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council tax being returned to council for committal
hello there could use some advise please i have an outstanding debt on my 2012/13 council tax i have been paying this off via the councils online payment system i received a letter from the bailiffs stating that the bailiffs has been unable to secure payment of the full amount and has recommend that the case be returned…
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Paying off 0% interest debt or grow savings???
Hi I started a debt free diary in January and have paid over £1100 off our debt since then which is brilliant. We've been really scrimping over the last few months and with our second baby due in August, I've been rethinking our debt repayments. At the end of June we will start on a repayment mortgage instead of being on…
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Defaults when account sold on?
I've just managed to get Barclaycard to remove the AP markers on my account and add a default as of Sept 2010. Result. I've just checked Noddle as it updates today and I see that Barclaycard have indeed updated the account with D markers. However, the account was sold to Cabot in 2011 and the open Cabot account still show…
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help removing a lloyds tsb default
Hi everyone I defaulted on a current account i held with my brother The bank charges spiralled outve control and lloyds reffered the account to debt collectors. The account was satisfied/settled completely as of 2011 march for the sum of £960...i have since opened another current account with lloyds and also a two month…
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Refused credit / credit files?
Hi, Just wondering if anyone can help? Last year I got very in debt with pay day loans. I have since set up a DMP with step change. The orginial credit agreements have since defaulted. I tried to open an account with barclays but refused due to credit scoring. I would like to see my file, but the cheapest I can find is…
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Young person needs advice on debt
I'm new here and I'm just looking for a piece of advice, long story to understand but here goes nothing when I was 18 3 years ago I let my mother who had just been made redundant take out a loan with greenwoods door agent the amount was 600 I'm sure but not 100%, as far as I was concerned she made every payment on time and…
