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move loan or stick with existing
Hi all, I have a very poor credit score, with defaults but no ccj's. I have a small secured loan, quite high interest but with a perfect payment record, and want to consolidate my remaining debts (£3000) on to it. I think this would help my credit score as a settled default looks better than an ongoing default. I am also…
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help with clydesdale basic cash account & returned diret debit charges
Hi can anyone help with any information on reclaiming charges from my clydesdale basic cash account! i currently receive ESA benefit & have done for sometime now, i also have a 6 year old son that i currently get child tax credit & child benefit for.For sometime now i have struggled with anxiety&depression finding everyday…
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IVA question
I am looking for some advice please. My partner has an IVA which started 2 years before we met and has about 2 years left. He is managing ok although he would obviously like to be cleared of it. He is about to move in with me and so, while he doesn't want me to have to get involved with his IVA, I want to know if I…
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Littlewoods confusion
Hi, sorry if this isn't in the right place I'm a newbie! I know this may seem ridiculous but I have a Littlewoods account and I don't understand what the terms mean.. My account says Available to spend: 327.40 Credit limit: 250 Balance: -77.40 Does this mean I owe them £77.40 or they owe me £77.40? Sorry I must be having a…
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CCJ Question
Hi I am new to these forums so please bear with me. About 3 years ago In was taken to County Court and lost (and rightly so) and had to pay £500. To not get a CCJ, I agreed to pay £500 within 1 month. Now this is where I am to blame as I never checked my Bank Account but the company never cashed my cheque. They admitted…
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i can't pay my Halifax student overdraft off. HELP!
Hi guys, I made the stupid mistake of listening to my bank (halifax) 4 years ago and got myself an overfat to live off whilst at Uni. (News flash, not everyone can afford to live away when their parents dont earn enough to look after themselves, nevermind funding my choice to study and make something of myself) unlike most…
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Advice on statute barred PlZ - housing debt
Due to a relationship breakdown, my ex husband put in an application to be rehoused with our local council. After waiting 3/4 weeks there was still no word. So he rang them up and was informed that his application was on hold due to a damage repair debt of £600 from a tenancy they said he had in 1994!!! Apparently they…
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Mon 6th April: 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 canceling 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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Confused about defaults on Noddle
On my report with Noddle in the section under credit cards, all my debtors are marked as default except B....card which shows as up to date in green with no actual figures However, under 'other accounts' and just below my C/A which I use, there is a default checked against Link for the exact amount of my B...card Although…
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Old debts & credit file
Hi, this is my first post so I apologise in advance as I'm sure there are many many posts similar to this one that've been answered in the past! To cut a long story short, in my late teens/early 20s I was a single mum on a very low income. I had countless payday loans, switched bank accounts when I couldn't pay…
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County Court Letter, What to Do Help Please
Hi all I have just received a letter from county court for a old debt from 2008, it was a shopdirect debt. However the claim they sold the debt on 29/09/2009 I replied to the solicitors who were dealing with the account about the debt being stat Barred and also asked them to prove evidence that its my debt (in the hope…
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Reducing StepChange payment.
Hi there, I just wanted some general advice. I started my DMP last month, and the first payment went out for £147. Which was fine, until I realised that on the details my husbands income was £25 more than what we receive (which is a lot when on a single income), and that we are struggling to stick to our £200 a month food…
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Right of offset TSB/Lloyds
I understand that TSB & Lloyds are now totally separate banks, having ran up some debt a few years ago with Halifax, Natwest & Barclays. I've been using a credit union for many years and now need a "proper" bank account. Does Halifax (Lloyds Banking Group) have the right to offset from a new TSB account as 50% of TSB is…
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Turning your life around
I really need some good advice, please no negative comments I feel bad enough as it is. I want this to be a positive thread about making things better. A few years ago my husband and I were in alot of debt with little income. We have worked really hard to build a business which is now generating some income for us and our…
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Reasonable amount to offer after CCJ awarded and Attachment threatened ?
I am just trying to stave off further action from four CCJs that Mortimer Clarke have rushed through on statue barred (over 7 years) debts. One has got an attachment to earnings "Notice of Application for Attachment of Earnings Order" so I need to write to the court and ask to pay direct but clearly should be a reasonable…
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Scottish Power / Past Due Credit Solutions
Hi, 18 months ago we moved out of our rented house where we had prepayment gas & electricity meters with Scottish Power. Upon leaving the meter was in credit. I honestly can't remember any of the finer details (schoolboy error) and only a few months ago I throw out all of the old statements relating to those accounts.…
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Sat/Sun 4th/5th April - 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 canceling 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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Leaving country, what to do about debts?
A friend of mine owes £8000 on loans and credit card, (including £400 to me!) She was living well within her means and was paying the debts down. Both of her parents by an unfortunate coincidence have been taken seriously ill within a few days of each other. Her mother will not recover. They are in Kenya. She has resigned…
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Identity theft victim
Hi, I have been the victim of ID theft. This has happened before and I do believe it is my Mother who has taken out payday loans and a credit card in my name. My question is, will I need to pay this money back? I have already lost £2000 before to her because the bank claimed I was negligent. This time however, I do not…
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Some reassurance
So, tonight, I faced up to it all and I signed up for a debt management plan with StepChange. Following the advice on MSE for debt management, I thought I would stop lurking, and share. I don't know what I expect from doing this, but, a few words from people who are in the same boat and doing ok might give me some hope.…
