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1and1 & Arvato
Hi there, I am new to this site and have been reading threads about '1and1' and 'arvato' asking people to pay outstanding debt, but the threads I have read are about domain renewals and I have a different issue. I currently have a web hosting account with 1and1 and received an invoice in February of £13.15, I always have…
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Everything Everywhere Debt
Hi, I have so many questions to ask, but for now il start with this: Recently my partner received a Notice Warrant of Execution from northampton CC for a debt of £174.25 from Everything Everywhere. My partner was so worried about it, he rang the court number and without questioning it, paid the amount. Whilst on the phone…
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How much would you offer the debt collection agencies?
Hi, After many years of battling with stupid debts, I am finally getting somewhere! I have heard of collection agencies making offers to clear the balance. I owe £4.5k to Robinsons, how much do you think they would take? Is there a lower limit? I'm not sure how much agencies pay for these debts from the original creditors.…
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Student Loans Company Dispute
Hi all, I am having a lengthy dispute with the Student Loans Company regarding what they consider a grant overpayment of £3500. The situation is, I was a student for academic years 2002/2003 and 2003/2004. First year, not a problem regarding my payments, the second year (where my circumstances were exactly the same) is the…
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Want rid of debt
Hi all Some advice please? Currently have some bits I want to pay off, and wanted to know any opinions on the best way to do it! Have a £920 overdraft with Barclays, as well a £300 and £390 balances on two work loans that I want to pay off. Have had bad credit for years, so a credit card is out of the question, but wanted…
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progress at last :)
LLoyds loan have agreed a 75% full and final, only had to wait 3 1/2 weeks for a reply:mad: 6 down 3 to go :D
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Summary and Plan advice?
Hi All, So after a week of getting my head around things i can now give a good summary of where i'm at and where i want to be, what i'm unsure about is the best plan to get there! I recently started a new job (Oct last year) and take home 1700 a month and my outgoings leave me with 900 which has enabled me to start to get…
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closed accounts on credit reports
hi, just a quick question. do closed accounts on your credit report acctually effect your score or descision to give you credit or does it just go on active accounts? thanks
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Council tax debt Scotland
I have just returned home after spending the last 5/6 months in England with my daughter due to health reasons. There were about a dozen letters from the local council regarding unpaid council tax from 1993 to 2001. Naturally as I had not been here these letters have not been answered. Also there were 2 letters from…
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Does a payment holiday affect my credit rating
Hi people I have £21,000 worth of debts ( see other posts ) and have had my light bulb moment 5 months ago. I have been chipping away at them, slowly but surely. They are all catalogues and credit cards and an overdraft. My plan is to do at least minimum payments on everything...I have never missed a payment or fallen into…
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Credit rating questions..
Hi all I recently checked my credit report and my basic cash account has seemingly removed itself from both equifax and experian. The information was on there a few months ago and i'm just wondering what could of happened between christmas and now?! Also, being on the electoral roll wasn't showing on my report due to a…
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Friday 10th 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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Wescot want £2100 :-(
I have an overdraft maxed out with natwest (its a dead account) that i swear I've had for 10 years now. They maxed my limit to £1700 when i was young and naive and all I've done since is pay back £25 a month for all these years, it covered the interest and that was it. Anyway to cut a long story short, the account…
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if i check my credit file is it shown that i have
Hi this is for my brother if he registers with say experian to check his credit filke will it show up that he has. He had money troubles a few years back and thinks he has paid them all off (as no letters through post for a couple of years now) and has paid everything on time since, but he doesnt want to check his file if…
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Another one that needs to make some lifestyle changes
Hiya Folks, Im new to MSE but have been watching the site for years now as Martin is a huge inspiration to me and my partner. Anyway this evening i decided to get my free Equifax Credit Report and i was amazed at what i found :( I paid a further £5.95 to see my credit score out of 600 and what a disaster that was :( I…
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Enough for full and final?
Hi guys. I owe just short of £4000, to several different lenders, including payday loans, and credit cards. I am soon going to be receiving £2000 from an inheritance and am just wondering what is the best way to put it towards my debt. Im currently in a dmp with stepchange and have been since feb of this year. Using the…
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late payment on credit file after f&f settlement
hi all I checked my credit file today and noticed a late payment marked for this month from NatWest. I paid a full and final settlement on this account back in February and was told by the chief executive of rbs' secretary the following... You can pay the £500 at any NatWest Branch. You will need to pay this into your…
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payday stupidity
Hi, Finally had to succumb to my idiotic reliance on payday loans over the last year which has now left me in over £4000 of debt and nowhere to move. Stupidly as i could not afford to meet the payments each month i borrowed more and more to cover the debt over the last year leaving me with 5 loans i now have now way of…
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false accusation from A debt collection company
Hello A debt collection company was chasing me by error and accused me of owing some money to E-on on a electricity bill from an apartment I have never lived before. Some how they linked my name with the wrong address and they called me several times and sent me a letter till finally all was sorted after a long argue with…
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Santander debt sold to Arrow Global ltd
No biggie really but a debt I had with santander detailed in this thread... https://forums.moneysavingexpert.com/discussion/4218977 ...has according to a letter received from Santander today has been passed on to these folks. Its not a massive debt. Was around £750 quid and I agreed to pay £70 per month off starting last…
