-
One account down!
Just thought I'd come on here to help me record some progress. I had a nice letter from my employer the other day, advising me that my pay has increased from £17,160pa to £35,130pa! wow! Today being payday, and the news of a payrise, I decided to settle my Barclays loan. Still a year left on the contract but not any more!…
-
Stirling Park, confused and worried
They claim I owe £50 debt which I do not think I owe, I contacted council responsible who said they would look into it and keep forgetting or claiming no record on system. Stirling Park pestered me to pay a £10 token amound and I told them I will be in town near one of their offices on payday and may be able to pay or at…
-
Experto Credite
Hi Has anyone had any experience in dealing with this company and if so has anyone tried to get an early settlement figure from them? Thanks
-
Hello
Hello, I am a brand new newbie, however I have been lurking about for a while stalking all your posts ;) I must admit it has been the inspiration I need to get myself in order. I am now a DFW (see trying to get the lingo! lol). At the age of 24 (Sept 2013) I bought a house, on a whim, with no deposit. Deposit was funded…
-
Tuesday 21st 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 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…
-
What to do now?
I need some advice from you on my current family situation. My husband has been made unemployed as job was temporary ongoing and hasn't been able to get a new one so far. I am a full time student with 7 weeks left of the course. We have between us 5 credit cards, 1 loan, an overdraft and 4 hire purchase agreements as well…
-
Urgent debt help needed
I've been going through various websites trying to come to a solution for my outstanding debt which is a staggering 35k. I spoke with the bank this morning who suggested I look at Step Change which I have done but the result was to send letters to creditors myself but 3 of the 4 creditors are with Barclays who I already…
-
Marlin financial request for credit agreement
Hi, I hope you can help. I was contacted by marlin late last year with regards to an old debt That I thought had been written off. I called them and spoke to them in December and they said they would send me a copy of the original agreement and a breakdown of what the debt consists. I then called again in February as I…
-
joint debt with ex partner who won't pay up
Hi This may be long! In 2008 I bought a house with an ex partner. Shortly after buying the house together things went horribly wrong in our relationship, and by 2010 after over a year of arguing about who would stay in the house I left - my ex refused to leave despite not being able to pay the mortgage on his own, I could…
-
International Medical Debt
Hi, I hope that someone out there has some knowledge they can share - we are desperate for help. My parents saved up for a holiday and travelled to the USA in June 2014. Whilst there, my mother suffered a massive heart attack and had to have 5 hour double bypass surgery. They were insured with Capita who have since denied…
-
Credit Resolution Servises
Hi, new here and need some help. Recently received 2 letters from Credit Resolution Services claiming I owe money to a gym called Xercise 4 Less. I've never joined a gym especially one called Xercise 4 Less. Seen lots of posts on here about CRS but from people who have actually joined a gym and then cancelled their…
-
CCJ dropped off-When can I apply for...
Hi all, Yesterday the last of my bad debt dropped off my credit file (CCJ)!! Hooray! Long old six years it has been! My question is when can I start thinking about applying for a decent credit card, I currently have some sub prime cards but ideally would like a decent 0% card. Does anyone know how often the CRA's update…
-
DMP advice?
Hello, 42 months ago I entered into a DMP with Debtline (now Lawrence Charlton). I was desperate and agreed to pay the monsterous fees! I have just got the balances of my creditors. £35 and £797. I plan on calling the smaller creditor on Fri and paying the final amount direct to them. My question is, should I call the…
-
Do I have any rights at all? (Re posted from another thread)
Hi everyone, I'm hoping for some advice on what I can do. I have tried asking on another site, but only received stock answers and could really do with someone who can think a little wider. Just to set the scene for why I am so desperate and worried: I am due to give birth any day now to my first child after 5…
-
Moorcroft Debt from Santander
I have just had the dreaded Santander loan transferred to Moorcroft (From the flexible loan that other people got refunds on a few years ago). I have to arrange a payment plan with Moorcroft and am afraid they will give me a CCJ or request more than i can afford. Will they be expecting the same amount as the minimum…
-
Monday 20th 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 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…
-
Card or loan
I have moved this to the correct forum now......I hope hi everyone, I am new to the forums but would really appreciate some advice. My problem is I have a lot of debt on cards MBNA £1800 Vanquish 3k Aqua 1800 Barclaycard 500 Capital one 500 I would like to consolidate all the cards but I tried HSBC and was refused I have…
-
Starting a DMP, im incredibly anxious!
Hi everyone. Me and my partner owe around £17k spread over credit cards, store cards & two overdrafts. We had always managed to find a way to pay the bills, be it a little late or via payday loans, I always thought that I would slowly be able to break the borrowing cycle but it never seemed to happen, in fact it got worse.…
-
Debt collector is "missing" some payments from me
I have paid off a debt collector recently. On my final payment, I sent them a cheque for the final amount and also a letter including all payments made and their respective dates. Some were made by cheque and some made by BACS. They have now written back to me claiming that they only have 3 of the 6 payments. They are…
-
Credit Report/Lloyds
I'm not sure but... On my credit report i thought that after the end of march that the debt i have with lloyds would not show as 6 years were up so to speak (though i'm still paying debt). Now its saying that for a whole year AS rather than DF - I cant remember whether it said that before or not but i was convinced it was…
