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Credit report questions if I may?
Hi Guys I have just signed up to Experian to have a look at my credit report and it doesn't look too bad, there are 18 accounts and all are satisfactory which is good. There are a couple of old catalogue accounts on there and an old credit card that I haven't used for a couple of years or more. I see the general advice is…
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HEEEEELP the stoopid aged!
I posted a thread on here, I think this forum, just before heading off for a course then a few days break. The thread was about a way of cleaing certain debts by an empowering method. It came from a reliable source, as far as advising me is concerned: my sister, but I didn't have time to check it out properly. I asked that…
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CCCS Payments
Hi just a quick question on this cold, wet Sunday morning. When cccs work out payments for creditors not pro-rata but depending on the contract. Contractural? Just wondered wot it meant. Does it mean the payment depends how long had the contract with them? Silly question I know but it is early T I A
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Help needed. Don't know where to turn...
Hello, I'm new here on the forum but have read the site for a while. I'm looking for some help from you guys about my finances. I'm finding it very hard to cope at the minute. I'm a 3rd year student but am working 6 days a week in 2 jobs on top of my 5 days in class and have various other sporting commitments. Social life…
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Defence and Counterclaim
As my creditor has not been able to produce a true copy of my Credit Agreement within the 12 working days I have filled in a defence for the Bulk Centre. Has anyone successfully put in a counterclaim as the creditor phoned me so many times it became very stressful I had to change telephone numbers. I do have proof of this…
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debt letters
hi all hope someone can help where can i find template letters to help me write a letter to some devt companys to see if i can get them to stop the interest and set up a payment plan as i badly want to be debt free to we can renew our wedding vows
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constant debt worries !!!!
just want to find out how everyone gets those debt blues/worries out of their head, mine constantly nag at me, and always thinking about how i can scrimp, save etc, probably at the expense of getting on with life. Surely its best to clear your head of the problems, as long as you have adknowledged them and are sorting…
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Cars on HP
Afternoon all I have a car on HP and would like to get rid to cut costs but cant raise the money to clear the HP so I was wondering if its possible to ring up the HP firm and tell them to come and fetch the car? Also if that were to happen how would that affect my credit rating? Mark
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Best place for credit report?
I would like to check my credit report after being refused a credit card :o What is the best one to get?
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Just Done a Credit Report......
Hi, This is the first time I have posted. I thought I had finally dug my head out of the sand and started dealing with my debts but I was really just playing at it. So this morning I sorted through all my scary paperwork and put everything into piles. I owe about 13k in total although I've paid off just short of 1k in the…
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What do I do?
I posted the message below on the wrong section. Hi all this is my second only post and I am desperate with what to do: - currently I have a limited company and earn approximately 3K per month, my 5 yr fixed rate mortgage is now up and the Halifax have upped this from the 5% up to their standard variable of nearly 8%…
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Reclaim PPI from A&L
Following their massive fine earlier this month, is it worth writing to them to complian? I did try this earlier, but got the usual speel of you have to take out another loan. Given a&l pretty much admitted wrong doing, and my loan was taken out during 2005 is it worth a shot? I know A&L said they would write to the…
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Link Financial - Somebody Please Help
I am a brand new member and have tried to understand some of the topics and threads that have been posted but I’m just becoming more and more confused. I moved to the UK from Italy some 9 years ago, primarily to learn English but to better myself financially as well. I married in 2002 and in April 2003 my then husband got…
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I am finally debt free
Hey all, About 5 months ago, I added a post to say that I have started to get myself sorted and cleared out of the debt situation. As of today, I am finally Debt Free, No more credit cards, no more loan and overdraft wooo hooo - all in the middle of a credit crunch. So as a word of encourgement to all, it can be done if…
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Resolving eBay's debt collection issue
A neighbour recently stopped selling on eBay and forgot about a small amount she still owed to eBay for fees. They transferred the debt to a debt collection agency called something like Intrum Justicia... which doesn't stop phoning her. She is technically able to pay off the amount owed directly through the eBay account,…
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anyone ever let out a room?
Well the idea has firmly lodged itself into my brain. It was suggested that i rent out a room, and as much as i love my own space etc i need the money, and if i use my smaller room i could probably get £290 - £300 per month letting out the large double - this would pay a large part of one of my loans and put me into the +…
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Saturday 24/10/08 What small dfw things have you done 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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Cleared...almost
:) changed my mind!
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Quick DMP question
I am finally starting a DMP with CCCS. I am so proud and kept talking myself out of it when deep down I knew it was the best solution. I am starting to feel more positive about things now and not bursting into tears everytime I hear the post coming through the door. Anyway, I work in sales and earn a reasonable basic…
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In a deep hole..what do I do?
Not sure Im posting in the right place, but after some opinions really....Im going to court on Tuesday as Northern Rock have started repossession proceedings against me, as I am in arrears with the mortgage. My background is this....I left my husband a year ago due to the mental abuse I was suffering and his drug taking,…