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Multiple Debt related issuues
HOKAY - was sure whee to put this coulda been any number of fora. So mos p;ease fee; free t omove. Also bwar i min dmy initial post tirned out to long so this wil eb part 1. Dont' ex[ect thr rea mat till part 2. If I'm unclear at any point here ok please bear in mind hat mental unwieldiness contributed to problems and…
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A tale of two continents: Split finances, one earner, Loan to pay
Some stuff which I've sorted out.
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Baby on the way, finance advice
Hi All I need advice we have a baby due in March and i was just hoping for some financial advice and help with what to do next. Here is the situation We got married last year and got a loan to pay most of it off. Our mortgage is due march but id like to sort it before january At the moment we have an overdraft, credit card…
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dca
Had an email from scotcall last week about a debt i had no idea about so i sent them a proof it email they came back with an email saying it was from mem as i had no idea still i asked for more details as mem is a bit generic and they represent a few companies They came back with the name of a paydayloan company,which i…
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Store card statement not received vs late pymt charges
HiI took out a store card in jan but have not received any statements or had any contact, until now! I've received a letter stating I owe almost double the original amount. It transpires it's the original purchase and late payment fees. Am I legally obliged to pay the late payment charges? I didnt receive any statements so…
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My Debt Free Journey to November 2018
Hi, yes, after looking on here for a very long time, I have decided to register and set up my own journey to a debt free life which will benefit me and my family. With the support of my husband who is also focused in becoming debt free (apart from the mortgage) we are realistically looking at becoming debt free by November…
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Are DFWs "allowed" small luxuries?
I'm not long into my journey, and was wondering if people still allowed themselves small treats to stop them from going insane!! I'm not talk big shopping sprees or anything... More along the lines of a take away night, or a pedicure, or a trip to the cinema (all once a month). Or do most people not bother because they're…
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credit checks?
Hi, Could anyone tell me if any information is given to DCA, or if they can get a hold of information if you apply for a credit report? xx
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summons query- council tax
just had summons for C/T- can they add costs to my account, even before a case is heard?? seems to be a mixup with standing order. trying to get through on phone i a nightmare..
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Innocent in court - M.I.B re-coup costs
I am new to this forum, and this is my first question. In 2010 I was summoned to court on the charges of dangerous driving. A woman and her teenage child in a car had been hit by a silver bmw back in 2007. Luckily neither were badly injured. I was not involved in the accident, but my car was picked off the street as the…
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Court
Hi I need some help please if anyone can! Roughly 6 months ago I had a person call, asked me if I was ***** and stated a name....... and handed me a letter, I looked at the addressee, and the name wasn't mine............ I chased after the person and said excuse me this is not my name... he said But you replied Yes! I said…
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Fri 20th Sept - What Small 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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Are Experian stricter than Equifax?
As you know, Lowell like nothing more than to go to town on your credit file...However even though I have many Lowell searches, I have 0 negative factors on my Experian file, as if Experian don't find their requests to place a default valid Equifax however seems a lot more lax, and it is riddled with Lowell…
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Should we partially settle BLS?
Hi, My wife and I currently have a sole mortgage in my name, as she has an imperfect credit history. I have a good credit history and we would like to have a joint mortgage. I believe defaults/missed payments could potentially be overlooked by some lenders. I am not sure who they are though? There is only one debt that is…
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Moorcroft visit - right of access removal breach..
Hi everyone, just a quick question. I'm on a DMP and have a few creditors. I revoked the right of access to all creditors and any collection agencies that contacted me using the correct letter format. I also informed them that if i had to deal with any doorstep visits i would produce an invoice to the tune of £100 per…
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catalogue Debt
Hello forum Need some advice regarding some catalogue debts that have slowly accumulated.. They are with little woods, isme and very.com. I have already reached and agreement with Littlewoods to repay the account off at a reasonable £50 a month, with all additional charges frozen. How ether upon making this same offer to…
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Creditors and change of name.. please help... thanku
hello, i would really like some help with this; i changed my name 8 years ago. i had two accounts with Choice catologue; a standard Choice account and a Choice4You Account. i did inform them of the change of name including a copy of the deed and one letter was relayed to me but then all correspondance that followed was in…
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does a default fall off after 6 years of default date?
does a default fall off after 6 years of default date? regardless of whether you are communicating with the creditor? or does it reset everytime they update the file
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LBM Part 2!!
So I thought this would be a good place to start!! Yet again, half way through the month I have found myself with zero money. After having a LBM in January 2011 I thought I had taught myself alot of MSE ways..... Apparently not. Part of this came from picking up a 2nd job in the summer hols (im a teacher) and being taxed…
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The DFW baking and sweet treats club
Hello everyone! So Wegle and HOK3Y and myself have noticed that a lot of people have been feeling less than motivated about the debt-busting recently - just due to pressures, it seeming to take forever or maybe the encroaching darkness because winter is coming! :) But we know what makes it all seem ok! Sweet, delicious…
