Hi All,
As a bit of background - when I was a student I realised I could open a current account with smile (cooperative bank) with a £500 Interest Free overdraft.
At the time I saw this as magical - and even better that they let me open 3 of these accounts.
In July...
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Agreement to Pay impact
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HELP! disabled with so much debt
After becoming unexpectibly disabled four years ago and no chance of preparing for the future i have occured a lot of debt both past & present. 3 credit cards & a catalogue.On one card I was paying a smaller amount but recently they have past me onto cougar financial so getting very worried.... -
Want to clean up my credit file
I have downloaded my credit file from checkmyfile.com.
I would like to know if and how I can get certain default markers and other spurious markers off my credit file.
They are;
..................................CallCredit...... .......Equifax... -
Can I get interest frozen on my debts?
Hi
I'm new here, only found this site on Friday as recommended by a friend of mine who received some valuable help here last year. I have been reading and am gradually making my way through the wealth of information there is here but I have a question which I need to ask to hopefully... -
Mortage underpayment
Would welcome any thoughts on this.
Had a letter from the Nationwide re arrears on my mortgage. Apparently I have been underpaying my combined mortgage and insurance by a few pounds each month since March 2011 as the insurance component had varied, not the mortgage. Have yet to look back... -
Direct legal & collections
Hi all,
Has anyone had any dealings with this DCA? The reason I ask is I have 3 debts from HSBC that were defaulted and sold on first to Moorcroft then Hillsden if I remember correct now these, I have been paying the debts through a DMP and the defaults to all 3 debts will fall off by... -
dmp for my son
My son is with the Halifax and also has a credit card with £1400 on it and pays back £60 a month, his hours were cut at work and he can't manage paying this back and the Halifax has an overdraft of £300 on it, he wants transfer his direct debits over to his other bank which is his car insurance...Last edited by Spent2much; 19 July 2014, 11:56. Reason: credit card is only £1400 and not £3000 my mistake -
Shared Debt
I have recently not been able to make payements to 5 credit cards. (approx 27k debt), one of them has recently given me a CCJ.
filled in all the paperwork, showing my outgoings were way above my income, and the paperwork came back to pay the solicitor handling the case, 1 pound per month. (only... -
mbna cc cca
Hi Niddy,
I wrote to MBNA and told them about losing my job at the start of december 2012 and told them i could not pay the required amount due to no income but i would make token payments OF £5.00 until i was back in work, i asked them to only contact me via letter due to stress this request...Last edited by Deepie; 9 January 2013, 19:05. -
Default Concerns - First Direct
As some of you will know, I have an ongoing dispute with Barclays over an arrangement to pay marker on my credit file despite a 6 year Default dropping off my CRFs in May. I have indeed been paying Barclays by arrangement since the Default in 2006.
I now have an issue with First Direct.... -
HSBC OVERDRAFT
After years of trying to get HSBC to admit Hardship in my case after Heart attack, and my hours reduced from 48 to 16 hours per week, lies told to OFT that I had not submitted an I&E a few years ago, and since I payed just over the monthly Interest amount but missed two as away, they tried to say...Last edited by The Tech Clerk; 15 November 2012, 19:08. -
power2contact
Just had a letter this afternoon from Power2Contact, informing me that they will be visiting my address as they have been instructed by their client, their client apparently is Cougar finances who i have been in talks with through post and email to come to an arrangement to pay. Cougar are working... -
To get you up to speed
Hi all, very new member and hopfully I will receive some sound advice along the way, here goes,
I owe 10 creditors a grand total of £20,000
, this dates back from spending starting over ten years ago when i started my apprenticeship and spent more than i could pay back at...
Last edited by Monty; 13 September 2012, 15:25. -
Where do I begin?
I've spent a few hours on the forums over the past couple of days and feel inspired by the work that you are doing. However, I am an absolute beginner when it comes to dealing with debt although i have plenty experience of not dealing with it. I'd like to change this, and would really appreciate any... -
HSBC Mortgage
Hi All,
My mortgage was in an arrangement to pay. As soon as it went into an arrangement - they updated my CR files with AR - which is fine.
The arragenment to pay ended in July and they are yet to update my file.
How can they be so quick to put bad stuff on...
