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CC limit increased?
Recently I had a letter from Barclaycard about them raising my CC limit to £12k on my card. I currently have £7100 on the card that I have reduced from £7500 a few months ago. Why have they raised my limit? I haven't asked for it? Also if my limit is raised will I end up making smaller minimum payments as I am nowhere near…
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Black Horse Car HP assistance
Good Morning Guys and Gals, I have a little situation I need your experience and expertise to deal with. My partner has a car on Finance with Black Horse. This is a contract she took out a little over 6 months ago, and the vehicle in question was trade down from 2 vehicles and hence cheaper each month to run, as she has…
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Advice about clearing 10k debt
My girlfriend has a total of 10k debt from a few credit cards and a loan. She has a decent job but currently paying £350 a month is not clearing any debt. What would be the best way to actually start reducing this debt? I could get a loan for 10k easily and clear it - that is one option. If she applies for a 0% balance…
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Rma resolve
Hello! I've been asked by RMA Resolve to send back a financial statement via their email address, but theres not an address on the letter. I don't want to phone them (awkward) so I was hoping if anyone knows their address could they put it on here. Thank you
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Advice please on repaying debt?
Hi guys just needing some advice please before I make a decision as to whether to pay off a debt. I have a debt from 2010 with wescott, which currently stands at £1396.00. I am currently paying £5 a month off this, as I dont have alot of disposable income. However I have managed to save £500 and rang them to offer this…
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Wanna Clear Credit Card in 12 Months
Hello All I am think of swapping credit card balance (i.e mbna & barclaycard) and having everything in one credit card because of 0% till Oct 2014. I took my credit card without any proper plan or in other words i was eligible so took it. In short now i am committing to be free from credit within 12 months. Please help me…
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Wed 18th Sep: What DFW things will you be doing today?
When we start out on the Debt-Free Wannabe 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…
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Grown up bank account
I have now successfully paid off all my debts, and my credit file is updated. I have a number of pay day loans which defaulted in 2011, all of which now show on Experian as Default, Satisfied. I currently have a Halifax Easycash account. How long should I wait before applying for a proper account (that my wife calls a…
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Old cahoot now santander loan f&f
Hello everyone, I'm finally getting around to trying to pay off my overdue loans and debts.I'll probably be posting a few questions over the next few weeks if I can't find an answer already. What a great place for help! First, I have an old flexi loan from Cahoot that is now in default withSantander. I have not paid this…
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Struggling with debt :-(
Well here goes Got into debt by spending more than I could afford.... Obvious I know but didn't realise until too late Overdraft, credit card and loans. Used credit card to pay off overdraft then one thing after another went wrong with car so kept using credit card then decided to get loan to pay off overdraft and credit…
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Loan Repayments
Hi Everybody, I am looking for some advice on how best to tackle our current loan repayments. My wife and I have been paying off £1k+ every month for a few years now, and we were well on our way to clearing all of our various debts. Unfortunately, she has just lost her business and we are in danger of defaulting…
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Leave DMP
I started a DMP about 2 years ago, because of payday loans - all of which have now been fully settled. I have other debts, being repaid through the DMP, but I could comfortably cope with these without the DMP. These accounts are of course in default. I'd like to be able to get a mortgage in the not too distant future, so…
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Want to pay off my Nationwide loans WHO TO?
Hi I have 2 loans from nationwide the balance on both of them is at about £4900. I got to a point where I could not afford the full payments so I got my payments reduced by nationwide for a about 1 year without them freezing my interest, after 1 year K.P.R took aver my debt and I now pay them £40 for each loan a month this…
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Welsh water/Wescot chasing for debt I know nothing about?
Hellooo good peeps... I don't know if this is in the right section or not but I could do with some advice. Here's some background info: my landlord is my son's grandfather (it's just me and my son living in the house I moved in May last year before he was born) and from the moment I moved in he said not to worry about the…
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Speed E Loans Help :(
Hi, I wonder whether anyone can help me or point me in the right direction. I have an outstanding loan with Speed E Loans. I pay each month through my debt management plan with PayPlan. I checked my credit file the other day and noticed that for the last 3 months, my balance has not changed, so the payments have not been…
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debt free - starting out
Hi All, I have been looking on the forum after months of sleepless nights and have found some great help and guidance. I have taken the plunge and decided to post A) for future support and encouragement and B) I may be able to help / support / encourage others.... Our story (my wife and I) is that me and my other half have…
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Can anyone help?
Hi all, I'm quite new to the forum and this situation in general so please excuse my naivety. Basically, my OH's mother unfortunately passed away earlier this year due to a Diabetic seizure, my OH is the only next of kin as her Father passed away in 1998, (she is only 20, myself being 21), and has a slipped disk in her…
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why do Lowell place a default BEFORE contacting people? moronic?
I noticed these Lowell clowns like to go to town on your credit file, placing all kinds of defaults with incorrect dates etc, and then contact you about making a payment...what exactly is the incentive to pay after that? If they had contacting me before ruining my credit report, the threat would have been effective and I…
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Struggling to be DFW
Beware: MSE Lurker airing her dirty debts for all to see! :o As mentioned above I *may* have been reading MSE for a long time from the depths of my lurker cave until today. After reading so many encouraging, helpful and friendly posts I finally decided to admit I'm in trouble. Over the years Iv grown more foolish (not…
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Can't even open Basic Barclays Account? Help
Hi So I applied for a basic Barclays account, for people who are bankrupt etc, the only thing is, I have never been bankrupt and only have 3 defaults on my equifax credit file. I got approved at the branch and the man said there would be no problems. I received letters for my online banking etc, card number..and then a…
