Struggling with debt? Ask a debt advisor a question

System

natty11 wrote: »

Hey!
I have recently applied for a loan and have been turned down.
Because I haven’t had any credit agreements and no missed payments on my council tax or other bills I didn’t understand why.
I ended up buying a copy of my credit report just to be on the safe side and to check my score to see if it was low, as I have had to recently have a credit check to rent where I am living now.
However – there is 4 defaulted payments from 2 different companies on my report taken out in 2007. I have never taken out any credit agreements with anyone in my life. And also in 2007 I was only 17 – they also work for a catalogue company which is shopdirect.
I have never heard of them let alone buying anything from them.
I have rang these companies and explained on the phone – but they was not much help and kept asking me for my card details to pay the settlement!
And also found out that the details they have on me are also incorrect like my date of birth. They have it down as XX-XX-1989 but it is actually XX-XX-1990

Please help, is there any way what so ever that I can get these defaults removed off my report – they are really damaging my profile – I don’t want to end up paying for someone else’s debt that is in my name!! how can I achieve this without having the hassle of getting the police involved as I think I know who it could be..

Hi Natty11 and thanks for your post.

I would recommend that you write to the company and complain the default isn't fair and lay out your reasons why. Ask the company to wipe the fault from your file, which it can do if it's disputed. I would send this letter recorded delivery.

If that fails, complain to the Financial Ombudsman who can rule both that the debt is unfair and that the default can be wiped.

I would also recommend you approach the other credit reference agencies to see if this default is listed on their files too.

Call Credit 0870 060 1414 www.callcredit.co.uk
Experian 0870 241 6212 www.experian.co.uk
Equifax 0870 514 3700 www.equifax.co.uk

If you do believe the debt is fraudulent then it would be a matter for the police.

I hope this helps.

Kind regards,

Mat

System

suze1962 wrote: »

Student Loan now Debt Collectors... Hello I wonder if anyone can help me? I attended University in 1996 and had to take out a small student loan. which i attempted to repay some years after.until 2009 when my life took a turn for the worse. I lost my job home and everything. I am now currently homeless living in a van and have no permenant address i have an arrangement with a little post office where i can collect what little mail i receive when i pass through. I do not have a job nor do i claim benefits i occasionally do some casual gardening work but nothing regular just enough to buy food and bottled gas and petrol now and again. I totally forgot about student loans as you can imagine i just concentrated on surviving. Recently i received a letter from a debt collection agency demanding the total amount which has increased 4 fold now. What do i do? I don't have any income as such have no address and i really do not want balifs turning up at the postal address and upsetting the little lady there. I was thinking i could afford 5 pounds a month but will this be enough i don't even have a phone and internet availability is minimal so im really stuck here when you are surviving even the simplest of things to other people are really complicated... Can anyone help Please?

Hi and thanks for your post.

We should be able to assist you but most of our work is done either by phone or online.

You can get a debt solution in about half an hour online by using our debt help tool Debt Remedy (http://www.cccs.co.uk/ref/drcu).

Alternatively if do have access to a telephone for a short period we have a free phone number 0800 138 1111 or if you have a mobile once you get in touch we can call you back.

If none of this is possible you could try and contact your local Citizens Advice Bureau who usually offer free face to face advice.

I hope this helps.

Kind regards,

Mat

System

scotti0208 wrote: »

hi, this is my first time dealing with this so please go easy,
ok here's the situation..

wen i was 18-19 i ran up a few debts by my impulsive nature,
i bought a car i couldnt drive,
and ran up debts on my bank account after i closed it. via check book
the companies have been chasing me and never stopped..

at the time i couldn't explain any reason why i did this i just felt like it,
then back in may i was diagnosed with cyclothmia which is the onset of bi-polar but now i am seeing a psychiatrist as they believe it to be bi-polar as i have been untreated since i was a child this caused the disorder to evolve into full bipolar (unsure as of yet)...
any way, i cannot afford to pay my debts and i wasnt in control of my self wen i created them so i have been running from them ever since.. now i dont know what to do as my credit rating is through the floor and i cannot get an over draft, loan or anything i'm 24 and trying to think of the future but am finding hard as running away from my debts makes me worry and on certain occasions sends me into deprresive episodes..
i have finally decided i need help on the finacial front that is, can any one help me?? i'm desperate now.. one company is threatening litigation and is causing me unnecessary stress which makes my health situation worse..

Hi Scotti0208 and welcome to the forum.

It sounds like you would benefit from some free and impartial advice.

I’m sure we’ll be able to assist you with this and we’re always sensitive to clients with a health condition.

You can use our online debt help service Debt Remedy (http://www.cccs.co.uk/ref/drcu) to help you find a solution to your debt problem quickly.

Debt Remedy will assist you in completing a financial statement with information on your household, employment, income, expenditure and debts. From this the service will automatically determine your options.

To help you fill in the form, it’s best to gather together information about:
• Your income
• Your expenditure
• The creditors you owe money to

You’ll receive a downloadable advice booklet providing a tailored solution for you based on your current circumstances and advice on ways you may be able to improve your situation.

If you’re not confident with computers or would like to speak to an advisor then you’re welcome to ring our free Helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm.

I hope this helps.

Kind regards,

Mat

System

penny_farthing wrote: »

My Girlfriend and I are trying to get on top of our finances (well my finances really). My credit rating is below average but hers is very good. I was wondering is it possible for me to transfer my credit card debt into a 0% balance transfer credit card in her name?

Hi and thanks for your post.

It looks like you have had excellent advice from Tixy.

If you have any further questions please come back to us.

Kind regards,

Mat

redglass_2

Hello
This is my first time here. I don't have debts except that I'm in dispute with a phone and broadband company who are charging me £114 for services I cancelled several weeks before they allegedly took over my line. Ofcom has confirmed that they 'slammed' the line and I have also contacted the Communications Ombudsman.
The company have recently been pestering me by email, demanding that I phone them 'as a little chat could sort out this matter' but I have no faith in that (having found by experience that they forget any conversations/agreements that don't suit them) so I replied that I would only discuss it in writing, via email, and there was no need for them to hear my voice: I could attach all the relevant documents and then we would both have a permanent record of our discussion (whereas on the phone, they can record it but I can't). I said this not to be perverse but in the interests of transparency for both sides. They refused to discuss my account by email and when it was clear that I wasn't going to have the 'little chat' I was told my file would be turned over to a debt collection agency. I expect they'll do this and my question is, how soon can they do it and how soon am I likely to see the bailiffs? I am pretty confident that the Ombudsman will rule in my favour but nobody wants bailiffs on the doorstep.

DazzaJo

Hi. first time poster and wondering if you can help? Not sure if this is the right thread as this cuts across a few subjects -

My girlfriend of just over a year (2 children - 1 18 on apprenticeship and 1 in school so no other income other than wages & tax credit), has debt problems,mostly incurred in her name by an ex partner. She has suffered with depression and has basically ignored everything for a while now,but accepts it's her responsibility. I have recently persuaded her to start to deal with this with my help and support and yesterday we opened 2 years of post!!!! She refuses to deal with the companies as they treat her like dirt so I'm going to try to do on her behalf. A few of the debts were in ex partners name and these have been returned to sender as "no longer at address".

Mortgage payments, secured loan, council tax, TV licence, Gas and electric are all upto date. In fact I recalculated her gas and electric and found she was over £700 in credit. Company phoned and £500 refund on way.

However, this is where I start to get stuck,with the following. Please bear in mind all this was discovered last night -

CCJ granted to MBNA for £3832 in July at £100 per month. Statement of means not completed as only aware of it last night. Nothing paid for CCJ to date and attachment of earnings sent to employer but not yet actioned. Is it too late to approach court to recalculate repayments?

Capital One CC - £1086. this was passed to a DCC, who were prepared in July to accept £543.45 in full & final settlement. This debt was then passed back to Capital One, who last wrote on 25.10.11, for payment of £1086. Is it possible to go back to them to see what they will accept?

Barclaycard - £3244. Currently over limit, incurring charges and making no payments. They have over the last few months been "setting off" money from her Barclays savings acct. Balance on savings acct now zero.

Barclays current account - anywhere between £900 & £2300 overdrawn.

Ikea store card - £800. over limit and incurring charges but being paid by DD when funds in account.

Water - currently in arrears for this year only - £484. I've contacted these who wanted £120 a month but have reduced this to £75 pending me thinking it over.

I discovered last night that her overdraft & Barclaycard include PPI and am thinking of trying to reclaim this. Would reclaiming jeopardise coming to a payment agreement? Would the company fight back by going for a CCJ?
Could I revisit the other debts (CCJ with MBNA and Capital one CC to see if they include PPI, which she may be able to claim back? She is more than willing to pay off her debts no matter how long it takes and will start making payments to these companies, as much as she can afford.

Sorry for so many questions - I know I have to deal with the CCJ first but can the court be approached at this late date?

Many thanks in advance

Darren

darwins_mum

Hi, not sure if I am posting in the right place, does anyone have a freedom from harrassment letter that I can send to my previous boradband company who have taken to ringing me constantly over a disputed outstanding balance.
Many thanks in advance
DM

redglass_2

darwins_mum wrote: »

Hi, not sure if I am posting in the right place, does anyone have a freedom from harrassment letter that I can send to my previous boradband company who have taken to ringing me constantly over a disputed outstanding balance.
Many thanks in advance
DM

Darwins Mum, see my message, bottom of p68. Similar problems

klts

Hi
We are in debt due to redundancy, my husband has now found another job but on a much reduced income. We contacted all our creditors and made repayment arrangements and these are all being paid so far. My husband has a personal loan with RBS which they have passed on to an agency (Triton), he has made a repayment plan with them and is paying it with great difficulty but they keep ringing every couple of months for a new income and expenditure and they keep asking for higher payments which we cant make. Every time they ring they ask about our property and say they can get the money back from our house. Are they able to do this? The loan is not secured on our property and we have a joint mortgage - the arrangement my husband is paying is only about £40 pm less than the original repayments on the loan.

Thanks very much for any advice.

scottish_stresshead

I have 2 Overdrafts with BOS!

1 for £1,090 I think and the 2nd for £242 ...i can't for the life of me get them reduced by a decent amount..im paying £50 a month each OD as thats all I can afford and because of the charges that they induce for being in a overdraft, im really only paying back £19 a month!

Is there anything I can do to stop the charges or explain to them I have no way of payin it off anytime soon?