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CCJ - Mistaken Identity
Hey Ive checked my credit file to see there is a CCJ on there from May. On further investigation its a CCJ for my dad (same name) but has somehow registered onto my credit file. Would anyone be able to help with how I get this removed as how it has been linked to me is disgusting and affected my credit! Thanks for any help
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A little advice regarding court claim
Hi, sorry if this is in the wrong section, I couldn’t really decide where would be best. My wife suffers with mental health issues including Bipolar Type 2 and similar to many in this situation has a severe case of ostrich syndrome! Over the weekend I found a County Court Claim Form that she had hidden away in a ‘deal with…
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shifting debt
hi i am trying to help a friend who has 19k of debt on 4 credit cards for information he is not on the electoral registar and he has a good experian credit score we have shifted 18k to 12months 0% short term but am looking longer term at least 3 years we have done a elegibilty check on mse for a balance transfer of 8k and…
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Settle debt in full or Partial?
Hi all I'm on a DMP with stepchange and not paying interest on my debts. I have the option to settle a £4K debt partially with £2k and wondering if it would be better for my credit record in the long run to settle fully over time to avoid the P flag or accept the partial P on my record with the lesser repayment. I have…
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What small DFW things will you do this week - w/c 28 August
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 ligh:money:tbulb 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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Budget app
Hi Does anybody use a phone app to help track their Budget? Any suggestions? Thanks Gail
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Lightbulb
Hi I think I'm finally in a position where I can start to make headway with my debts. This is not a new thing I've known for a long time that I need to pay it off but I've been in a position where I've trimmed everything I can just to tread water. However I've finally just managed to remortgage after falling into negative…
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September supersave challenge
about the challengeThis challenge is about choosing 15 things to do each month that would save money. Each task from the list count as 1 point and you have no limit on how many times you can do the tasks...just try your best to do at least each task once. guidelines* This challenge Runs from 1st September - 31st September…
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step 1: cutting bills
Hi, I'm looking to remortgage early next year and would like to cut my bills (step 1) and spending (step 2). Here's the part of SOA that includes regular expenses only (except groceries). These are for 1 adult and 1 school age child. Just want to understand if I can cut more.. I did drop Sky TV recently, does anything else…
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Time to repay
What is considered a reasonable amount of time in which to clear all your unsecured debts. 4 years / 5 years ?
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Someone please help
Hi folks, I'm looking for some advice, help or any pointers to help get me out of the hole I'm in. I'm at my wits end and cannot see a way out. I currently have an overdraft of £4000 for which I'm being charged around £103.59 per month (Payments comprise of: an account fee - £17, overdraft interest - £80.59* and overdraft…
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Getting the balance right
Hi everyone I've been a bit of a lurker on this board so thought I'd post. My current conundrum is how do you get the balance right between paying off debt, and living? We moved house in april, and my current debt situation is: £1600 on a credit card which is interest free until May. C Interest free £1500 on b and q…
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Credit card experts needed!
Hi all, I am Ollie and I have a lot of debt. I have buried my head ad ignored the problem for too long. All my debt is credit cards, i have no loans and the only other thing i have is an overdraft with halifax (first thing that needs to go!) have a barclaycard with 13500 on it with a limit of 14000. I have an MBNA card it…
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Please help with debt
After years of being in and out of crap jobs and being on and off benefit I finally got myself a decent job this year but it's looking like I could lose it all now... I got behind with council tax etc and they have all started putting attachment of earnings on me...i have just paid nearly 1000 in two lumps for fines and…
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Lowell portfolio 1?? Help!
Hi all, I received a letter from lowell portfolio 1 today it says i am a customer of theirs....... the address they refer to in the letter i moved out of in 2009, they dont say how much or where the debt is from, i have an idea but havent had any correspondence with them in over 7 years. Is statute barred something I could…
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Stuggling to cope!
Hi, seeking a bit of advice in regards to my next move. I was paid my monthly wage this week and no sooner had it landed in my account it was snapped up due to payments to CSA/Council Tax/Car Insurance/Phone bill etc. I literally have no money for shopping for myself and more importantly my pregnant girlfriend for the next…
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Slowly understanding my situation and I'm incredibly worried
Hello Everyone, I've made a couple of posts here and there, and been in the background trying to take in any advice possible. I'm getting to the point of realisation that I am well over my head, and have been for a while now. I'm recently married (that certainly didn't help the bank balance) and we now stuck in a very…
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Beyond help???
I have reached the point of no return. I cannot carry on like this. I have had to start taking anti depressants to get me through each day. I have extended my mortgage till I'm 65 but am still living beyond my means and amassing more debt. My statement is below. I have got each bill down to its cheapest I can get. Any…
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Unusual Mortgage to clear debts
Good Morning I am after some advice and after reading several articles I am hoping someone can help. I would like to raise some funds against my property in order to clear my debts and significantly save on my monthly outgoings. I would like to raise the sum of £25k either through a mortgage or homeowner loan. I am in a…
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Remortage to pay off debts
Wondered if anyone could offer help. I am in quite a lot of debt with credit cards and loans, I am paying £3000 month on payments + I have my mortgage to pay on top. I run up debt for home improvements,, car, etc.. (I have learnt my lesson, and this will never happen again)! I have applied for a couple 0% cards but this is…
