-
Suject Access Report on old debt
Hi, this is my first post and I hope someone can give me a bit of advice. I received a letter from a collection agency today requesting payment for an old debt which was not on my credit report last time I checked. I am fairly sure that I have had no contact with anyone regarding this debt for over 6 years. I found a…
-
Payment Protection
Just wondered if anyone had any thoughts: When I took out a bank loan (Nationwide) just over a year ago, I took out a payment protection plan with it because I was clueless and the way they sold it to me was as if I had to have it. Since then I've heard all these horror stories about it in the press, about how I'm likely…
-
DMP - Barclaycard won't accept payment??
I have been sorting out my own DMP plan now for the last 6 months. All of my creditors have now accepted my reduced payment offer with the exception fo Barclayard. They have defaulted my account and have passed the debt onto MERCERs debt collection. Mercers are refusing to accept my payment offer as it I am offering less…
-
my first post. Advice please.
Hello all. I have discovered this site recently and realsise how helpful everyone is. My situation is this. I have just bought a house with my oh. The mortgage is in my name as her credit history is not good from 2-3 years ago. I have recently seen her experian report with her consent and it is quite extensive. far worse…
-
Consumer credit agreements
Hi,can someone tell me is there a new ruling concerning consumer credit agreeements,as back in September after many letters and phonecalls to Littlewwods asking for a copy of my signed credit agreeement,i recieved a letter from them informing me that they would not be pursuing me for this debt.However today i recieved a…
-
More good news!!!
A while ago I posted that the Insurance company that were paying our mortgage made a mistake and paid the mortgage money into our overdrawn defunct bank account. As I had just faced up to my debts and was having many problems at the time, this seemed to be the last straw. Because of the strength and support drawn from this…
-
Credit report - how do I find out my credit rating?
I've decide I'm going to write myself an action plan for the next 6 -12 months about how I'm going to go about sorting my debt out. But I've been thinking that I should really look at my credit report to find out what my credit rating is. But how do I go about this and how much does it cost me? I'd really appreciate your…
-
thank you all
just like to say tahnkyou to martin and all the posters on all the boards. I did'nt do an SOA as my debts are not huge about £3000 but I have taken everyones advice. Put my savings in my current account as I was so over my overdraft limit last month I got charged £125. My savings are for a visit to Oz in November to visit…
-
tax credits arghhhh
i've been plodding along keeping our heads above the water, then i got awarded carers allowance for my son. i contacted tax credits and told them, and asked the guy if it would alter my arward at all, he said it wouldn't until next year as it didn't alter our income above their threshold for this year. well today i checked…
-
Advice needed, friend in need!
Hi Everyone! I’m actually on here today to ask about a friend of a friend. Basically, I know of someone who has gotten into pretty serious debts and is currently unemployed, and because of a mix up, isn’t even receiving job seeker’s at the moment so has nothing coming in. I am not sure how much she owes or who to but I do…
-
Drving Instructor.
Sorry if this is in the wrong place :o but cannot find anywherelse to put it. I am looking to train as a Driving Instructor to help increase our monthly wage but need to know if you can get a grant or any help towards the cost.:confused:
-
Overwhelmed
Talk about being over whelmed. I thought the debt I'm in and the paperwork that goes with it was overwhelming enough, but this site is phenomenal (in a really positive way);) When I come to 'MoneySavingExpert I don't know where to start. The amount of of posts and forums that are available and threads that keep grabbing my…
-
Feeling Rather Depressed about Bank Charges.
-Sigh- I just wanted to post somewhere that I was feeling really down about bank charges. It's totally outrageous and I feel really helpless about it. I only earn £260 a month because I'm on an NVQ placement. I work really hard in a Special Needs School, and this month I've been charged £175 for money that has come out of…
-
Hassle from Logic group debt recovery - advice sought please
Hi, Took a call from Logic today about my 'account' with them, i pay them 50 pound a month standing order, The guy today wanted to know (in his own words) what ive done about settling the whole balance (2500). I said i have no extra money available at the moment other than the 50 i pay you each month. Then he says well…
-
credit unions
New thread and a new thought - don't know how many people have come across credit unions - they are basically a finance co-operative. The provision varies a lot across the country but if you have one in your area they are worth looking into. I have been involved in setting up and running a credit union in my area for the…
-
ASDA Mispricing
hi i had been to Asda yester day and bought ASDA Smart peppers which were priiced as £1.22 , but in my bill it came out as £1.36. I went to customer services and asked about, they gave 1£ simely squad as token of their mistake So friends, keep checking u r bills in supermarkets Regards Saverrram
-
What have you spent today – Thurs 22/06/06
Ahhh…up bright and early today – hooray… :p bright eyed and bushy tailed no less…whoo hoo. :rolleyes: The birds outside are [STRIKE]squawking[/STRIKE] chirping away gaily – how wonderful. Popped to the bathroom… as you do…glanced in the mirror…. the Living Dead springs to mind…. nothing new there then. :D Just made a…
-
CCCS and Egg?
Hi as some of you will know ive eventually caved in and sought help from CCCS with my debts, the thing i want to ask anyone si that the largest of my debts is with EGG (a loan and a CC) - has anyone else had experience with them as in going through a DMP with the CCCS - are they usually accepting of the CCCS proposals or…
-
Good Morning - My update
I am sure that the people who got angry / cross with my a few months ago will be really pleased with my progress. I know I am. My credit cards are all cleared. I have yet to cancel them. All my direct debits for this month (until 25th) have left my account and my account balance is £24.33 (I brought some toothbrush heads…
-
Happy Solstice to all pagans...
... even Martin's celebrating! :T