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Never ending collection agencies
I had a few debts with the bank after a failed business and bad advice from the bank. The bank (HSBC) took no responsibility and to cut a long story short they sold the debt to a collection agency. This has been going on for many years now, the debt being passed on from one collection agency to another, it's collectively…
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same debt on credit file showing twice can i ask for one to be removed?
i have a couple of debts showing on my credit file all defaulted but some are the same ones repeated over just with different holders of the debt can i contact the companies and ask the ones that no longer hold the debt to remove it?
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Raphaels Bank/Compucredit Uk (Monument)?
anybody know who they are, im assuming they are joined together as one credit report says Compucredit Uk (Monument) hold the debt the other says Raphaels Bank hold the debt any ideas on how to contact them? ive tried searching both companies but cant find any contact details for them does anybody have any contact info for…
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Sat/Sun 25th/26th June - What Small DFW Things Will You Be Doing This Weekend?
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…
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Baliff Help
Hi Sorry I have never posted before but am in a very difficult situation. In December 2013 I sold my car to Car Giant and bought a new one. I sent all the paperwork off and that was it. In March 2014 I received a letter from Essex Police to say that the car had been caught speeding and was it me driving the car. There was…
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Advice needed for a newbie :)
Hi everyone. I have several debts that I am currently repaying - at the moment all on minimum payments. I am trying to work out what is the best order to repay them - I know logically I should do it by order of highest interest rate first, but psychologically I am drawn to paying them in order of the lowest balance first…
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Equita help please...
Hi I'm really confused and could really do with some help regarding this matter I will start at the beginning. Ok two years ago both myself and husband got ourselves into a lot of money issues (which we are now sorting slowly) well I had Equita for council tax for £323.80 which we tried to set up payment but they wanted…
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So who is starting afresh?
After having a visit from a bailiff i need to stop burying my head every few months! I'm hoping to sort the bailiff situation off asap and can focus paying off my other debts! I'm going to do a full SOA, I know I spend/waste far too much money on food and clothes for the kids! My story: I'm a mum of 3 kids who are 2,3 and…
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Drowning In Debt
Hi Guys, I have acquired mass debts, mainly from gambling. Now I have stopped the gambling since 5 weeks ago (got to start somewhere), and I really want to clean this whole mess I am in. Towards the end of the gambling I was taking out bad credit loans to try and clean it all up, but it just went from bad to worse. Debts…
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Who to ask first
Hi all notice on my credit card statements that it say if you are finding financial difficulty to contact them first. Is there any benefits or any one know what they usually do. ie can they freeze interest etc One of my credit card companies Bank of Scotland has closed my account but still adds interest I appreciate they…
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Are you waiting for debts to drop off?
I know its a terrible thing to do but is anyone waiting for debts to drop off their credit file after the 6 years? I am paying a debt through Lowell at £20 per month, plus a CCJ at £50 a month and also got council tax arrears i am trying to clear. I have now had several calls from Lowell with regards to an old O2 mobile…
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Debt Free by 'Cheating'
deleted sorry
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Friday 24th July - 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…
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old debt worries
I have done a credit check and it says that since 2008 I have been debt free, it has traced that I use my maiden name and one previous married name that goes back to 2008. However I was married before this and I know my ex left me with a load of debt in 2002, I have never responded to any of the letters since, and I have…
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DMP + 5 Defaults versus DMP + 2 Partials + 3 Defaults
I'm about to enter into a DMP through StepChange to pay my personal loan, overdraft and 3 credit cards. I'm currently 2-3 months behind on both the loan and 2 credit cards, as yet I do not have any default notices. I have recently sold my car and have just under 30% of my total debt (~£20k) as a cash lump sum. StepChange…
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Paying off CC vs. Paying Off Capquest!
Firstly sorry if this is in the wrong place, I'm just looking a little advice. I have a cheque coming my way which I'm going to use to pay off some debts, however I'm unsure as to which debt to pay off. I've always been told pay off the one you're paying most interest on first which is the credit card. However, I owe…
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Partially settled debts
Hi guys, I'm in the process of negotiating full and final settlements with my creditors. The replies I've had have varied but they generally are only offering a settlement that will appear as 'partial'. I've defaulted on all debts and they will fall off my credit file in a couple of years. I've read on here that it's…
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debt passed on to DCA
Hi all my letter came today to tell me my Barclaycard debt has been passed to PRA a DCA ,I know its the next step ,but I felt sick all over again. :(
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Cancelling Gym Membership xercise4less
I had a 12 month contract which expired either last month or the month before I went on to the contact us page for xercise4less and sent them a message asking what i needed to do in order to cancel my membership. This was about a week before the next payment was due to leave my account i didn't receive a response so i just…
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Annual Payments?
If I come to an agreement to pay a debt at one pound per month to a debt collector - can I then pay 12 pound annually in one payment? Swampy
