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  • stuckinarut
    started a topic OVERPAID FOR 8YRS OUT OF 10 Apparently

    OVERPAID FOR 8YRS OUT OF 10 Apparently

    Evening people. got a bombshell of a letter today. 8/6/17. to the tune of 11kplus. the guy that sent the letter says we appreciate you may find it difficult to pay it back all at once (must have went to uni this guy) but if you can send the dosh to blah blah. please fone us to confirm you received...
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  • wilfred
    started a topic National Hunter and Cfas issue

    National Hunter and Cfas issue

    Before i get into the full story can anybody clear up three points for me please? I have read some conflicting information about how long an NH marker stays active. I thought it was six years but Im sure I read somewhere on here that it was rolling 13 months assuming no other issues were flagged to...
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  • shaun196809
    started a topic O2 Default - Didn't know I had

    O2 Default - Didn't know I had

    Hi there,

    I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for 20. Of which I paid anyway. Bizarre.

    Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for 20!!
    ...
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  • shaun196809
    started a topic Link Financial

    Link Financial

    Hi there,

    Have an outstanding debt of 4k with Link Financials.

    I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could take...
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  • alfie
    started a topic Alfies Diary

    Alfies Diary

    Evening.
    Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
    The newish rules say that a credit agreement is required for overdrafts after 2011.
    In this case however the 'draft was...
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    Last edited by alfie; 22nd May 2017, 19:12.

  • stuffthebanks
    started a topic Think i dropped a clanger

    Think i dropped a clanger

    Huge mistake, very embarrasing if anyone read my original post.
    Teach me to make assumptions...
    Thanks guys.

    All the best...
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    Last edited by stuffthebanks; 21st April 2017, 19:19. Reason: Sorted now.

  • Jacspacs
    started a topic Failed IVA

    Failed IVA

    Hi my Iva failed in 2012 and is still showing on my credit reference file - can anyone advise when this will drop off my file as it is showing as 110 months old?
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  • scrapping a car with 400 finance still to pay ?

    My son has a car that he didn't finish the finance on , its now completely broken and won't even start . Its out of MOT and he now has another car which he is using taxed and insured.
    He's moving and the landlord needs the parking space where the car is sworn off the road , can he scrap this...
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  • alianza
    started a topic CCA response

    CCA response

    Hi , new here , someone recommended this site.

    I got into debt after a divorce and was in a DMP. I stopped paying the DMP in October as the company was no longer able to operate so have decided to sort stuff out myself. I sent off some CCA requests to three debts and have had back a couple...
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  • Susie
    started a topic Curiosity re DCA liquidation

    Curiosity re DCA liquidation

    I saw a comment on a thread (forgot which one), saying that Experto had gone into liquidation. I have looked at their website and the liqiodators statement of what to do if they were handling repayments etc, and one of the things on there was basically not to SAR Experto as the liquidators will not...
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  • IF
    started a topic Welcome to Worriedme

    Welcome to Worriedme

    Hi Worriedme and welcome

    I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-
    ...
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  • mike'y
    started a topic NPower.

    NPower.

    I've been with them for gas and electric for years and it's always been difficult if not painful. Recently I switched to a nicer provider and provided Npower with meter readings.

    The final gas bill is based on the meter reading I provided.

    The final electricity bill is 'estimated'...
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  • Spent2much
    started a topic checking credit file

    checking credit file

    I want to know when any defaults were recorded - is it a bad idea to check ?
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  • Capital One asking for proof of income and to fill in income/expenditure form

    Hello all!

    so i used the template here to settle a balance with capital one, they rejected it and also the 1 offer a month.
    the balance is only 77.

    they sent a letter asking me to fill in the income/expenditure form which is expected but they are asking for my wage...
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  • lookingforward
    started a topic NHS Exemption

    NHS Exemption

    Hi after a bit of advice please.

    My partner and I have not received our NHS exemption cards this time around (last 6 monthly expired end Oct) and having a look at the flowchart it seems this is because at our last tax credits renewal we no longer claimed for child tax credit for the 1st...
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