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Credit file clean up - defaults
Hello all I have been very naïve since turning 18 and at 22 I have finally gotten out of a little messy cycle of unsecured debt on my credit file. From 2015-2018 I kept borrowing payday loans, credit cards, whatever credit I could access really. It was never constant with some brief periods of respite but overall its being…
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Next Directory to default or not?
Hi all Recently with all your help on these forums I've managed to pay off 5 credit cards, 2 in full and 3 of them 50% !!!!!! so I am now currently debt free and plan to keep it that way! :j - I also managed to get my defaults backdated to 2014 when they should have been at the start of my DMP. Anyway, I have one more to…
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Link Financial Outsourcing
Hi all, I am looking for some advice if thats ok? My son leased a car from Ford Credit which went well for the first 18 months and then he lost his job and fell into arrears. He paid the arrears off when he could and there was 300.00 of arrears left which he went to pay, when he called Ford they told him they couldn't…
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Old Lloyds TSB Overdraft Debt
Hi I'm looking for some advice as I'm getting pretty frustrated with TSB. I defaulted on an overdraft account back in 2014. I've been paying my back my debt using the F&F settlement method and I've done pretty well to clear all my debts except this one. My issue is that TSB has never sold the debt on and every time I call…
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No Statements from 'Inactive' Barclaycard
I've got a Barclaycard that is included in my DMP but, due to a different complaint, they 'deactivated' my account so it wouldn't end up defaulting. This is cool for the most part but it also means I can no longer log on to check my balance and they don't send me any statements at all. When I queried the statement part,…
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Help with law firm
Hi all.. I don't know how to start to a new thread but i am having a similar experince with moriarty law....in september and octiober 2012 i took 2 payday loans out by lending stream and the payments were directly taken from my bank..via my card....moriarty law are asking for double the original amount.... I have bank…
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bills review
I'm actually debt-free, apart from the mortgage, but I'm reviewing bills, to see where I could cut more/switch. I'm only posting the ones that I can change i.e. I'm not in a contract for. This is for one adult and one child living in a 2-br flat. e.on - gas & electricity £75 (am I paying too much?) Thames water - £21 (is…
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Unknown to my wife mt credit card
So things had been fine for a couple of years i have had not debt and despite have a Barclaycard this was never more than a few hundred pounds and paid in full each month. I ended up having a crazy month in May/June and decided to open a Sainsburies credit card and balance transfer a large balance onto it. Things just…
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What should I do with these two defaults? Help
Hi everyone, I need a bit of advice with my defaulted accounts. I'm looking to apply for a mortgage in a few years so making sure my credit history is in a good state by the time I apply. I had 6 defaults (I know, I was an idiot years ago). Now I have 4 as 2 dropped off earlier this year. 2 of those still have a balance…
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CCJ I didnt know about
Hi Everyone, I'm abit lost as to what to do here, I've been rejected for a mortgage today and checked my credit file as a result and there is a CCJ dating from Feb 2015 on there which I had no idea about.... It hasn't caused me any problems up to now as I barely use credit and always pay upfront for things (thats how I was…
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CRS - Gymbug
Hello all, I have recently recieved an email from Credit Resolution Services (CRS) regarding a membership at Gymbug from January 2013 when I was 17. Long story short, this membership was supposed to be a Christmas gift from my mum, however she decided not to pay it after a month and since then I have moved houses quite a…
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How Do I BLOCK "Link" from ringing me?
This is a long-shot guys?? I have had a letter, and now today a text message from LINK Financial (quoting a reference number) and asking me to give them a ring. LINK is one of the debts that is currently unenforceable, and has been 7 months. How do I BLOCK them from ringing me on my mobile? I've done a Google search and…
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Being an adult and pulling head out from sand
Hello everyone. I'm 36 and feel like I'm just becoming an adult - don't judge me. I know so many people are worse off than me. I was married until last year and my ex was one of those who sorted everything and I just paid half. I've never learned how to save. Until two years ago I was self-employed which actually saw me…
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Debt still showing on credit file after bankruptcy
Hi all Wondering if someone can shed some light on this for me please - I'll try explain as much as I can. I declared bankruptcy just over a year ago (and now discharged whoop!) yet when I check my credit file on Noddle and Totally Money it is showing that there are still some debts there showing as default totaling around…
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Selling house F&F offers or CCA? - help!
Hi, it's my first time on this forum, I've noticed that there's such a helpful community present here and maybe had the hope someone could help me out with the complicated issue I have at hand. Since it's my first time please go easy with the abbreviations :) My parents are on a shared DMP with MoneyPlus and have been with…
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DMP or IVA?
Hi, I was wondering if someone would be able to offer any advise. I added up all my debts today and they totalled just under £22k I have rang MBNA who have put me on some sort of plan where they have set the payment at £190 per month which I'm assuming I need to default on? Barclaycard have frozen the interest for a couple…
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Full and Final Offer - Loan still "In Term"
Hi, I have been in a DMP for several years, and due to a small inheritance, I am in a position to offer around 40% by way of F&F. In total, I have 14 creditors with debts ranging from £23k as the largest down to £350 as the smallest. So far I have been able to agree settlement at values ranging from 42% to 60% for 6 of the…
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Am in debt
Hi I am Starbrite and I am in debt, Wow I said that out loud... Have been kidding myself with this matter for just under a year now. My debt is two credit cards totaling £6,487.00, wow that is sobering looking at that :( I have a Virgin CC at 18.33% - £2,932.21 MNBA at - Card purchases - 24.9% - £2,370.58 Balance Transfers…
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Property management fees
Can anyone advise of the following. I own a flat and pay maintenance fees. The management company carried out some works and demanded payment from everyone. I cannot afford the pay for the works for the amount that they wanted in a short space of time. So now the property management company said that they will add it to my…
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£20k in debt is it easier to just go bankrupt?
Hi Have about £20k in credit card debt. It's managable at the moment, as I have just gotten a new job. This pays around £23k a year. Is it easier to just go bankrupt and write off the £20k debt? I don't own a company, my credit rating is already poor due to the debt (around 378). What are the bennefits of actually paying…
