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Clearing my Credit Record
I'm in the process of sorting out my credit record and applied for the free on-line Experian report. I've managed to work most of it out and put notices of correction against the parts I don't agree with or wanted to explain. However, the first entry which comes up is something that I don't remember ever doing or having,…
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By Post of by telephone???
Morning everyone! A bright a cheery day, and I get 3 calls (from the same company) chasing me for money. Question is, I am sure that I read somewhere that I can insisit that these people no longer contact me by phone by put everything in writing? (I did ask for postal communication only when I sent offer letters to my…
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bank accounts - quick advice needed
Going on from my previous posts announcing my monumental muck up, should Pete and I haver seperate bank accounts now - does a joint account show as an accociation on credit reports if he applies for credit in future - I just want to protect his credit worthiness. Thanks, Sue
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Definition of a "default" ?
Hello everyone, About 14 months ago I got a bit slow on keeping up with repayments to a catalogue company, I missed about 3 and although I cant quite recollect what happened next, I do remember receiving a letter from a collection agency (poss. Mercers) requesting the full balance of £300 to be paid - think a CCJ was…
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Will I ever get there?
I've found all the information on these boards very helpful and it prompted me to do something positive about my spiraling debts,its a great board and the regulars are so supportive. I've been trying to set up voluntary arrangements with my creditors with the help of CCCS,I'm waiting at the moment for my first appointment…
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Help!!!
hello, i have debts totalling £15000. My anual outgoings total £480 a month on credit cards loans etc and my take home is £900. I am also in arrears with some creditors and have a poor credit history. Is there any way i can cut my debts or anyone who can help? thanks Lee
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Im about to drown .... help!!
Ive not admitted this to anybody except my hubby before now, so this is a big step for me. Before I start, I know this is all my own fault and im in this mess due to my own ignorance and stupidity. But im really really scared and need help to get out of this disaster. The full explanation is very long, so I wont bore you…
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Loan question
Not sure if im on the right board but just need a bit of help with something. I have a graduate loan with HSBC (7.9%). At the moment I have £11,456.53 outstanding and I pay £200.99 a month, I have 57 months left. Using the advice from Martin's book, I asked them how much it would cost to settle this. They wrote back saying…
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Changing Payment Date
As my monthly wages are now due to be paid the day after my loan payment I phoned and asked to change the payment date. Yes sir no problem that will be £20 please. GO AWAY. Any suggestions would be gratefully received
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Circumstances Changed.....Need help!
Hello All, Two years ago I lived at home with the parents (cheap) and bought a brand new focus on HP. I pay £202.00 a month over 5 years. I have £6071 to pay off over another 2yrs 9months. Recently I found myself a lover and moved in with her, she has a two year old daughter and doesnt work (long-term incapacity). We are…
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The Mrs won't listen!
Peeps, Me and my Mrs are in a wee bit of debt and I would like to get the ball rolling to rid ourselves of it. My Mrs on the otherhand continues to bury her head in the sand and continue to spend on needless luxuries, not for myself or her (apart from the odd take-away), but for our kids. We have 2 daughters aged 2.5 years…
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inland revenue
Hi all. I read with interest about making a full and final offer to pay off debts. I owe the inland revenue 10k and the best arrangement was to pay the debt within 3 years , plus pay all new tax bills on time ( I am self employed) This means that I am paying them £300 a month plus I have to set aside about the same again…
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Partners credit file
My partner had a few financial problems about a year or two ago, i negotiated reduced payments with her creditors, which we used for a couple of months before settling the balances. However these reduced payment arrangements have been registered on her credit file. She has no defaults but has a few late payments and now…
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Help me to help someone!
Hi everyone, I am trying to help a friend who I have just discovered is massively in debt. I am doing my best to try and make him realise how drastic the situation is and seem to be getting there slowly. Anyway, here are the details: Loan 30x 330 = £9,900 TSB Card @ 5.9% for life of bal = £8,800 Egg Card @ 0% till Sept =…
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Things were going so well until now.
Hi all I posted on here a few months ago about my debt situation and the council seeking a possession order. Last year the court put forward a suspended posession on the basis I pay 250 pounds a month - that's basically my rent plus about an extra tenner a month. That was only supposed to last a few months then they would…
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Single parent of 3 with mass debts,advise please
Hi,I have recently seperated from my partner,have approx 30,000 of debt in my name,previous to this he was earning and we were receiving tax credits of aprox 175 per week,i have today signed on to income support,the house is rented so it will no doubt be covered by housing benefits,but where do I go from here,I was…
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Would you like to be a board guide for this board?
Read Martin's description of what being a board guide involves here. If you're interested in volunteering for this board please reply to this thread.
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sinkng in quick sand
I need help and advice re my debt problems. I'm sinking quick am feel so close to drowning with no life line. I have managed to build up a staggering amount of debt over the last few years. At first it wasn't a problem I was earning very large salary so making all the payments on the laons & cards was never a problem.But…
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Is there someone who I could speak with to help kick me into shape??
The problem is that I'm in a bit of a pickle, i do the worst thing ever and turn a blind eye to the amount of debt we're getting in to... we have a mortgage, two snapped up credit cards, and overdrafts and i feel like things could be better... I'm on maternity leave and my partner is self employed so its not that great a…
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Reduce debt - help needed
I have been lurking for a while, but I am still struggling to start paying of our debts. We are approximately £30,000 in debt. We are able to meet all the monthly costs, but we desperatly want to buy a house soonish, so before we can save, I want to get rid of some of this debt, getting rid of all of it would be great.…
A place for MoneySavers to share their journeys towards debt-free living.
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