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Lloyds TSB Default
Hi, I recently posted about a default by Lloyds TSB on my husband's credit file. When Lloyds TSB had the debt my husband made several arrangements with them to make repayments and stuck to them However he would later get letters advising him he wasn't paying etc. he would call Lloyds TSB who would have no record of payment…
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Final Settlement advice
I have been on a DMP for the last 6 months with Stepchange with debts of £18k. to 4 creditors. My mothers Aunt is not in the best of health has started to gift various items inc money around the family. My mum has offered to help me out to the tune of £6k. Would any of you guys with more experience than myself know if this…
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Sat/Sun 25th/26th May - What small DFW things will you do this weekend?
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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Credit Expert
Iv noticed that Lloyds loans are not showing up on either mine or the wifes account. Anyone else having this problem. THANKS..
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who do cabot represent?
Just looked on my Noddle credit file and i have a default for £300 from Cabot Financial. Does anyone know who they represent? I thought Barclaycard but I have a separate account on Noddle for that showing arrangement to pay? Many thanks
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Loan for Credit Card
Hey all, I currently have £6500 on a Virgin Credit Card, I pay roughly £300-400 on it each month and about £100 each months is interest. I recently tried to move the debt to a Barclay Card with a 0% deal for 27 months but got turned down. They couldn't tell me why other than we didn't meet their criteria. Sooooo, I tried…
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Advice on who to use to help offer reduced monthly payments...
Evening all, Have got myself in to a bit of debt ( about 20k ) and even after trimming all my spending down my outgoings are more then my income. This will change in the future when the wife goes back to work after our 2nd child is older. At the minute though i am just going further into my over draft each month. I would…
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claiming back CC charges
No longer needed thanks
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HBOS F&F What are the Odds
Hi everyone - DH is in a DAS (Scottish DMP). He's been plugging away at it for 5 years now - he pays about £60 per month to a £7000 debt and £80 per month to a £9000 debt. It's going to take the best part of another 10yrs to pay it off, so he's offered them a F&F for approx 35/40% of the amount due. Anyone have any…
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o2 Statute barred Scotcall
Hi guys I have had a very old unpaid phone bill(misspent youth!)from 6+ years ago with o2. Scotcall are now chasing me for this. I have since (2 years ago) taken out a contract with o2.Have paid on time and had no problems. I want to go down the statute barred route but am concernedthat because I am still with o2, they may…
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Help...3 causing chaos !!!
Need some urgent advice. I shal try and sum this up as quick as I can. I experienced extreme financial hardship back in Jan, spoke to Step Change and came to payment plans with most of my creditors. I contacted 3 ( have a few contracts with them ) explained my circs, and was told the could not help me until I defaulted on…
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A little advice please :)
Hi, I am writing on behalf of my boyfriend. He has been making reduced payments on old lloyds debts to Westcott, BLS and a company called ALC. He spoke to LLoyds today who say they have no record of the account that has been taken over by ALC. He has been paying £10 a month to then for some time now (he is not certain of…
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Help please: Meal plans and 'stores'
Please forgive me, head is up my butt at the moment with everything I've got going on, I've done a search and found a lot about meal plans but not much about the must haves for the store cupboard. I'm planning on doing weekly shops and planning our meals (breakfast, lunch and dinner for me and just dinner for OH apart from…
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Credit card or car finance dilemma
Hi, I have a debt reducing dilemma and need some advice! I am currently half way through paying off car finance with VW with just under £4000 left to pay at 11.7% apr (initially borrowed £6995 - worked out as £11,159 with interest over 60 month period). I also have about £7k on credit card at 0% (I have another card with…
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scary letter!
Hi, can anyone please advice me on what I should do after receiving a scary letter from Mackenzie hall?! The letter doesn't say much- "we are attempting to contact the above named person regarding a personal matter" but after a quick google search, I've discovered that Mackenzie Hall specialise in recovering old debt.....…
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Eon and Wescot
I moved out of my flat last december owing around £366 to Eon. I moved out of the flat becasue I could no longer afford to live there after my split from the girlfriend. I informed Eon I could not afford to pay the amount in one go and set up a monthly standing order from my bank to Eon for £10 a month. Not a lot I know…
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Capquest passed "debt" to Advantis
Hi everyone I'm having difficulty with Capquest and Advantis and was wondering if anyone could help. Capquest started sending letters to my husband last year saying he owed money - they did not disclose what for and, wary of giving further information, I sent off the £1 and the Data Request letter. This was recieved by…
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Debts piling up and I have no income...
Hello all, I'm new here and I need some guidance regarding my dire financial situation. I'm 21 and was living away from home until January of this year. Midway through January, I returned home from work to find my flat had been cleared out, all of my possessions gone. The landlady had fled the country and the police…
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Check My File. Is it any good?
I've come across this credit checker site and its says it shows all your detail for experian, equifax, call credit etc. Is it any good? Is it accurate to what is shown on the individual sites? Might sign up for the free trial and see how i get on but just thought i'd see if anyone had any opinions on it.
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Overpaid by Work, Help??
So I left work over a month ago, as I was unable to perform to the standard required while pregnant. (all legal and above board) I was given the choice to resign and be welcomed back should I want it in the future. Or essentially start dismissal proceedings so I chose to leave. Got my final wage and it seemed about right…
