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Default - Someone please help!
Took out 118 loan (1000) in Oct 2015. Failed to make any payments past Nov 2015. (Outstanding 1200) Checked my Noddle and Experian credit file and notice BB & Status 6 was noted every month until Jul 2017 when a default should have been placed in May 2016. I would like to write them a cheque for the full amount however…
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default help please!
I'm currently with Santander and going to have a product switch shortly, last year my wife defaulted on her credit card which she is currently paying back, somehow ( even though they don't do credit checks), the bank saw there was a default and wacked up the interest by a stonking 2.7% which has basically doubled my…
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Compulsive gambler
This is the biggest step I've taken.. acknowledging that I have a gambling problem. It has affected me in many ways. My job, my mental health, my financial situation, my relationship with my close friend. I need help.
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Some credit card/loan advice pls!
Hi, I'm after some advice please if that's ok to post here.. Basically I have 7.8k on my virgin credit card interest free runs out in Jan 18. & 2.8k debt on my Barcley card. That one has a monthly interest fee. My debts mounted after visiting family on two occasions in Australia not cheap! But my heart ruled my head and…
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PRA Group court action - urgent help please!
Hi! Sorry if this is double posting but I'm new to MSE and forums in general (a tad incompetent with the ol' but IT) Anyway I would really like some advice regarding this matter. To give a bit of background in 2009 I took out a loan with LTSB and the interest rate was killing me. I paid roughly £16,000 towards the loan…
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Graduate, Teacher, desperate for help!
..Hi, I feel my situation is quite complex so I will do my best to explain. I qualified as a teacher and have been employed as one since Sept 2016. I moved in with my parent (who rents a council house) to try save money. My school is in a different town, and before Christmas I was unable to drive so had a 2hr communte each…
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Requesting for a default
As per my new years resolution for 2017 I have been trying to clean up my credit history to give 2023 me a debt free clean slate. So far I have now settled 3 out of 4 overdue payday debts earning 3 defaults in the process (6 whopping years to drop off I believe). The last one (118) have not issued me a default for a loan…
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Thank you!
I just wanted to express my thanks and gratitude for some advice I read on here (sorry can't find the thread) about defaults on credit reports. Back in 2011 I was drowning under debt and took out a dmp with step change. My creditors have dragged their heels with the last one not defaulting me until December 2016. On Friday…
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In Debt Crisis or Not In Debt Crisis; That is the Question...need another way out!
New to this Forum as looking for alternative solution to my ongoing debt issue. The facts are 1) Credit Card debts currently totalling around £10K - 2 cards, one for purchases maxed out and the other used for 0% Balance Transfers but also now at its limit so no further transfers possible. 2) I am a homeowner with a Partner…
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Moral Dilemma
Hi All, I have got myself into some credit card debt, it's £2800 but it's at 0% until January next year. I'm paying it back at £65 a month. I am on a decent wage bringing in £2200 a month with minimal expenses (husband pays the bills) but due to a recent employee tribunal and crippling childcare costs of £900 a month…
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DF date .. how do you work out ?
High guys at the minute I am paying as much per month off my debts that I can afford .. the plan is to keep going and hopefully pay off within 2 years. Now this isn't an official date just something I would like to aim for .. is this how you do it if your not on some sort of official plan ? thanks lisa x
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Moorcroft and Stepchange
Hello, Hopefully can get some advice. When I was 19 and at Uni, I took out a lot of money to help fund my girlfriend's place at an American College. She was supposed to pay me back, disappeared to said college is now in the US and I never received anything back. Consequently, despite trying to pull a 30 hour a week job +…
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Repaying debt after death help
Hi- not sure if this is the right place but I'm looking for some help with settling debt belonging to my father from his estate. I am the executor as he had no will and a small estate / no property. He has 1 outstanding debt which would not be covered by his estate. I informed the company straight away and provided the…
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council tax issues
Ive been suffering from depression for a while now,made worse by my father passing away last year,very traumatic time. Im currently unemployed The council whom I have told of my situation being in the vulnerable category,I was told to obtain a doctors letter to prove my condition which I have done and set up a standing…
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Advice on 4 debts
Hello all, I have 2 mobile debts, a credit card and a payday loan, the debts are £325, £180, £260 and £100 respectively, the mobile companies service was abysmal, you couldn't send or receive in the house at all so I stopped using them, and the cc and loan were part of a wider array of spiraling payday loans most of which…
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Advice and guidance please..
Dear Community, I'm looking for some advice regarding how I can fix my financial situation most effectively. I'm in a sticky situation which I have allowed to continue for a number of years now, and it is time to get things in order and put this behind me once and for all. Ok, so here's the deal.. I have a number of…
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Question
Hi, Not sure if this is the right section of the forum, but as it's to do with debt I though I should ask it here. My wife and I are considering selling our current house and moving to a cheaper area where we could be mortgage free. We're considering buying the house in my name only, the reason for this is my wife is the…
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"CITYMAIN ADMINISTR" bank account charge
Does anyone know what "CITYMAIN ADMINISTR" is? I have been making regular payments to CITYMAIN ADMINISTR and I have no idea what it is, does anyone know? I have finally started to take control of my finances, and found this strange item in my account. I have cancelled it, and just have to wait and see what it is.
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Money Owed
Hello - I'm hoping you can provide info/advise. I am owed £2,225 by a landscape gardener who received the money to buy slabs, never did and then declared himself bankrupt. Timescales are: 12.04.17 - I requested the monies be repaid (clearly something was wrong with the situation). 28.04.17 - I had a Claim issued to the…
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What small DFW things will you be doing this week? WC 10/07
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…