Hi Peeps,

sorry i have taken so long to come back, i have been reading the forum and trying to it my head round it all. And also deal with PTSD, anxiety/panic attacks.

I got my Card around 2008 as a backup for a holiday in Portugal (Boom festival, highly recommend it)
...

Just wondering if anyone could give us some advice on what to do...

Regarding the Landlord; He is using a Letting Agent as he lives abroad and not sure if he is permanently away or only stays away part of the year.

Whenever we need anything done to the house, we have to contact...

Hello one and all,
I have been thinking long and hard about putting a message up on here and have finally had the courage to do it!

Basically, until a year ago everything was going smoothly, everything was being paid and my family was managing ok! Then just less than a year ago we...

I have debts of c.40K over about 18 creditors . I have no assets and my only income is ESA. I am paying £1 per month token payment to each creditor as a token payment. I am actively looking for work, however there are some mental health issues that make me nervous about starting a new job (stress,...

I've got a couple of old egg accounts that I went the unenforceable route a couple of years ago. They where being handled by DLC and I managed to put them to bed and I hadn't heard anything from them for two years.

I must admit it was quite funny when I said to them, I'm coming around...

Decided to try and nail the rest of my Debts before disappearing off to
Portugal in the near future !
To anyone who recognises me from the MSE Site....slight life change and am now with 'Burlesque Babe' from the MSE Forums!

Anyhoo, having been forced to face the debts of...

Time to start a diary.....will add more/others as and when they crawl out of the woodwork !!

My other thread is here: ---> So it begins

Debt assigned to Capquest from MBNA.
Balance due : £5355.43.
Card account opened pre 2005.
Default/last contact approx...

I'm getting txt msgs from organisations asking if I need their services to claim this or that back - this has surely got to be a breach of my data protection rights?

1. How did they get my number
2. Who do I report them to
3. How do I get them to stop
4. How do I find...

Hi All,

As some of you know, I've been doing UE with Niddy for some time now.

The UE side of things is going really well. However I have two other pressing assets:
1) Personal Loan for a car, that is getting rapidly behind on.
2) A house which I rent out,...

The Questions is:

Q: As they do a credit check on New or upgrade mobile phone contracts, will any of these effect when i upgrade my Mobile phone to either a new contract or upgrade - Now that i've gained a few extra defaults since...

I had 3 letters from Lowells last week saying that they have brought my debt for various Barclay cards from Barclays.

That's didn't worry much as they are all unenforceable, so I sent them off the standard sold in dispute letter by recorded delivery, they have txt me a couple times but...

I have never heard of these people yet I got a txt message from them today telling me to contact them!

Any info on these guys?

A recommendation here for a superb, but pricey bit of kit. Truecall will filter all your calls. You set up * lists where people you want get straight through, zap lists where people you don't want to speak to get a message telling them you don't accept calls from that number and hangs up (mine is set...

thinking of going bankrupt. over the last 18 months i ve ran up a lot of debt .i have lost job 2 job.s over the last 2 years my wife is not going bankrupt do i put her income ie ctc cb and bills on the soa or just mine .will she keep her own bank account that have note to do with me

...

Ok so here we go, I have totally and utterly messed up every aspect of my credit.
Checked my credit file last week and to date I have 4 defaults and 1 ccj.

Stupidly taking great amounts of credit once I was eligible and then not being able to repay them. (Silly teenager who would...