-
F&F help/no contact from creditors
Hi everyone, Hope someone can help/advise me? Haven't posted here for a while as everything has been quiet on the debt front, however I may be about to get access to some funds in order to pay my debts off but I have a couple of questions if that's ok? In total I have about £16k of debt across 6 cards, all of which I have…
-
Quick query on satisfying CCJs
Hi, as title suggests, just looking for info on how to have CCJs marked as satisfied on credit files? I'm aware this has probably been asked before, but a quick search didn't fully answer my query. I understand it involves approaching the county court themselves (prior to updating individual CRAs? - or is that done for…
-
Nearly there
Hi All, Just an update on my situation. After being in £15000 of debt 5 yrs ago, im now down to the last £850!!!! Yey!!! Its being a long struggle, fighting with collectors for agreements, most of which Id say have being very helpful. Im hoping to pay the remaining debt by August so be debt free my xmas shopping. The only…
-
Feeling like I never learn....
Hi, I have been a member of this site since 2003 (different username). I am still in as much, if not more, debt than I was when I first thought 'this is a problem'. I feel like I just have not, will not, and cannot learn to change my ways despite really REALLY needing to! We spend too much on takeaways, I don't earn very…
-
Clearing over 100K of debt
I have lurked on these boards for several years now and have been inspired by many people's stories which have really helped me in my debt free journey and am very grateful that this forum exists at all. My original debts, created by my own stupidity, with no, in my case, responsibility falling on the credit card or loan…
-
Mortgage mistake
Hi. Hopefully someone can give me some advice. I worked abroad for a while to help pay off major debts. I was paying off my mortgage in lump sums. Last June i telephoned my mortgage company to pay a normal monthly transaction only to be told due to my large repayments my mortgage arrears had been reduced to approx £2000.…
-
Me mums in a pickle :o(
Hi everyone, I'm a massive fan of this website been using it for tips for years, top marks to you MSE!!! I have a large dilemma on my hands so bare with me while I try and explain this monster. I'm trying to figure out a way to help my mum. She is retired, some health issues, has a decent widows (father passed away in…
-
In need of some advice
Im 25 years old and have two children. I am being made redundant on the 1st of June 2013. I am already in a financial management plan, but i have more debts to add and obviously im going to be on a much lower income. My debts may not seem high to some people in here but i am getting a lot of scare mongering letters and…
-
Debt - Inter-Credit International
I am currently dealing with Inter-Credit International after being made redundant and falling severely into debt. I had set up a repayment plan with them however a single payment was missed owing to the fact I was left temporarily without money after my benefits were changed from Jobseekers Allowance to Employment Support…
-
Monday 6th May 2013 - 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,…
-
Non-existing debt showing on credit report
Hi all, hope someone can help. I just checked my credit report online. Back in 2005, I a student bank account with Barclays which had an overdraft. I defaulted on paying the overdraft back in 2008 and the debt got passed onto a third party agency (Debt Managers), which I finished paying in full in 2009. However, my credit…
-
Money in Money out
Didn't know where to post this and feel this is the best group. Sorry if it is not. Me and the OH have been working out the money in/out and we have approx 18% left over before we take petrol, food and clothing into account. Is this normal or should we be worried.
-
Coupon crazy kid
Being a relative newbie I'm not sure if I can post a link? But I just watched a clip on BBC news page where a kid buys £105 worth of groceries for only £1 because he has so many coupons. He apparently has a Facebook page where he lists the coupons etc. If its within forum rules, I can put link on Maybe hard to do to get…
-
Full and Final Offers
Hi, My partner and myself have been in a DMP for approx 4 years with current debts of 37k, recently I offered full and final offers of around 23% which were rejected apart from Santander who said they would accept a partial settlement. Due to ill health I recently had to leave my job and so currently have no income. I…
-
can anyone help please?
hi,i am a single mother of a baby so dont have much free time,i am in quite alot of debt and with a house and baby its spiralling out of control. I have trawled through many threads about how to up your income but as i dont buy alot online cant make cashback even though i have signed up to quidco. ive signed up to the…
-
I finally did a SOA!
I've finally bitten the bullet and done a SOA. Advice is appreciated. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after…
-
Brighthouse 14 day cancelation question
I already have a laptop out with brighthouse, and last wednesday (1st May) I went in to see about getting a TV, yes I was able to get one, but they didnt have any in stock, so they're getting it delivered Tuesday (7th May) so Im ment to be getting it then. Only thing is my dad has given me his TV so now I don't need it. On…
-
Problems obtaining credit report
Hi I am having problems obtaining my credit report.... I tried to do it online but they say they could not match me, I sent £2 off to experian I think it was but was told they need information from me i.e. 2 bills, however I live in a houseshare, I don't have bills.... I don't know what else to do
-
Finally Free
Sorry - placed in the wrong area.
-
"SETTLED" ???? and other terminology!
Hi there, I had a lump sum of cash last year and paid off things like my M and S store card, Ikea homecard, very and littlewoods accounts, next accounts. I had confirmation from the lenders that the amounts had been paid and the accounts CLOSED. All of the accounts still appear on my Credit file as SETTLED....is this…
