-
Unknown default on credit file
I have just had a look on my credit file and have seen a loan default for which I was not aware. I do not deny that this debt is mine - I got in quite a bad financial mess a few years back and although I believed I had paid back all debts this one appears to have been missed. I have not been contacted at all about this…
-
Letter from mackenzie hall
I need some advice please. Today I received a letter out of the blue from mackenzie hall stating they are trying o contact the above named person regarding a personal matter. They state they have been provided my address as being the possible residential details of their subject. The letter was addressed to me in a…
-
What can we try next?
First post here, so hi all! So my situation is, my girlfriend has built up debts of about 15k spread over 4 credit cards over the last few years, and it's time to try and get it sorted. Having looked over this website i've tried a few things as advised with no joy so far. I've checked out the rates on her cards, and she's…
-
Another pay day. Another debt paid off :)
An early pay day this month, well, a day earlier than usual, which has been a blessing as it's giving me a chance to pay things off early - in one case saving me £150 interest - as well as sort out my finances for the month and setting myself a decent budget. If I manage this, now that everything has been paid, I can be…
-
Creditreform (UK) Ltd anyone?
Hi All :wave: Does anyone know anything at all about a company called Creditreform (UK) Ltd? I have searched Google but no info comes up on them, other than their own website and the services they offer to companies to collect their debts (most unusual for a DCA in my opinion, there is a huge amount on Forums etc. for all…
-
Is this a dodgy debt collection letter?
Hi, Last week I received a letter from debt collection agency that I think is quite dodgy. Just wondering if anyone else has come across something similar? • The letter gave no information other than the company's name (I had to Google it before I realised they were debt collectors). • The letter said they needed…
-
Addition or deletion of a credit account - please advise
Hi, For the past few months my Experian credit report has been getting unrecorded enquiries from a debt agency. Today I have, from the same agency, received 'Addition or deletion of a credit account'. It has status '8' meaning: The account is in 'default'. You failed to keep to your credit agreement and have not responded…
-
Just a quick question about other people at address
Hello, I'm new to posting here and sorry if this has been asked before. I am on a dmp and someone has offered that I move in with them which will be a lot cheaper for me. They don't know about my debt problems and I am worried about the implications to them if I move to their address. Am I right in thinking that only I…
-
PayPlan
Came across Debt management company Payplan online, considering using the to try and tackle my debts. Just wondering has anyone used them before, and what do people think about asking them for help? THanks
-
New Help Please Debts,Mental Health breakup
hi I'm new on here and have joined after reading Martin's guide on Mental Health and debt.I'm a bit of a mess at the moment and have been for a while.Big debts including a very large one to Barclays Bank who now have a CCJ no way of paying them. suffering from mental health problems which have been on going for a few years…
-
Express Insurance and Scotcall
Hi any advice gratefully received. We had a policy with Express Insurance which we stopped in July 2012. Apparently we rang for a quote to cancel but never cancelled. Then we got several letters in July about the outstanding payment and cancellation fee. Have no record of these but may have happened. Anyway nothing from…
-
Thursday 23rd 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Council Tax Debt - Levy on car. Advice please
I have a council tax debt for just over £200 which a debt company has been chasing me for for the past few months. I realise I must at some point clear this debt, although I am not in a position to pay in full at the moment as they keep demanding. No-one has ever knocked on my door but they have posted letters through by…
-
19 year old debt, chasing me but not mine.
Good evening, For the past 5 or 6 years I have been getting debt letters for a debt that dates back to 1994 at an old address I used to live at. The debt is for a store card for a shop that I have never used. The details the company has on record are mine, or so they say. I have explained to them that this is not my debt…
-
Issues with catalogues
Hey, I hope someone can help me on here ... My problem is ... I have got 3 catalogues, Littlewoods, Isme & Very. In June last year I was made redundant, I spoke to all 3 catalogues about this and they was very understanding. I started employment again in October and rang the catalogues up to start a payment plan to pay off…
-
Arrest warrant question
I have just had a panicked phone call from my friend saying he got home from work and there is a note from her majesty's court service telling him they called to execute a warrant for an unpaid fine. He doesn't know anything about a fine and certainly hasn't received anything asking for payment of a fine. Not been to court…
-
HELP :-) with Partial Settlements....
Hi all thank you for looking and can I ask you all for your help/advice?? I have been a little silly in years gone by and fell into a little bit of old debt! I took this on the chin and faced the "dreaded" creditors which I have to say was not as bad as I anticipated. So the advice I am looking for is...My creditors have…
-
Help! Stuck with credit card charges..
Hi all, new to these forums. Just after abit of advice as this is starting to get to me now. Nearly a year ago now i opened a credit card with barclays. I pretty much maxed it out buying loads of mods for my car. The credit limit is £3500. At the time it wasnt really much of an issue, i had my own key to work and could…
-
Have i got it right??
i think i have managed to sort out what i need to do, just wondering if anyone was confirm ive got it right or if there is anything ive missed. I have a not very helpful fella so im dealing with my debts on my own. although we live together its always been yours and mine, and i think it stems from his ex wife fleecing him…
-
Help me make a decision
Hi everyone I need a new front door but............ It will will take me about 3 months to save up for one. Should I stop making over payments on my debt to save or should I wait until I'm debt free to pay for it? My remaining debt is £6000 with 6.5% interest and I estimate will take me 1 year to pay off. I can easily…
