Hi,
I (nor anyone else for that matter) has seen of heard from my ex partner (not married) for nearly 8 years.
I have since re-married and have a child with my wife - we've been married for 6 years.
I understand from Landmark that I can do nothing without my...
500 results in 0.0190 seconds.
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Joint Owned. Mortgage in both names.
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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!!... -
Remortgage Equity Release
Good evening.
My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish... -
Start of my unenforceabilty journey
So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...
Credit cards
One commenced in 1994 and one in 2006 (my husbands)
Mine has about £1700 (the 1994 one), husbands has about £7200
Last full payments... -
Mint - Wescot
Hi everyone,
I'm looking for anyone's experience with Wescot.
Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly...Last edited by marypoppins; 14 May 2017, 13:24. -
Bad credit history but all say settled ?
Hi I'm new to the forum, I've been looking into my credit file. I use to be a real nightmare with paying things, but for the last 4-5 years, I've been better with it. all my payments except 1 have either been settled or I'm still paying them eg
s. I just don't understand how it can be so bad,...
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RhodriMawr's UE Journey
Barclaycard Visa
Type of Account - Credit Card
Date Commenced – Approx 1996
Approx Balance - £7,514.06
Date Last Paid - > 9 Years Ago
Arrangement – The Debt Charity Formerly Known as CCCS
Status – Last Payment February 2017
Account...Last edited by RhodriMawr; 25 April 2017, 19:35. -
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... -
UE Journey Begins
After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors... -
Annual Statements
Can someone please clarify the situation regarding annual statements?
What are supposed to receive them for?
If you dont receive them does this make a debt UE?
Can this be rectified?
Thank you -
stjjts UE Diary
I have committed to start a diary so I can record my progress to date and going forward. I have spent hours looking through the valuable resources that exist in forums and now have a better understanding of what to do and what to expect.
A number of years ago I realized that I was struggling... -
Credit Cards - To close or not to close?!
Hi All
As part of my journey back from Bankruptcy, I have three Credit Cards:
Vanquis £4000 Limit
Aqua £4350 Limit
CapitalOne £1750 Limit
I've just come into some money and cleared all balance on those cards.
My credit rating is still... -
SCS - carpet issues
Hiya,
I wondered if anyone can offer some advice?
I a moving to a newly built house- due to get keys /complete on April 28th. I ordered (and paid for in full) a new carpet back in the January sales but have now got an issue that the house (which i have... -
freehold on mortgaged property
This question is from a friend which i found interesting so I'm going to ask your views on it if you will please .
Jo Blogs buys a house he has a mortgage . The property is freehold .
If he paid for the freehold outright can he then live on the land and not in the mortgaged house... -
credit file and UE debts question please
It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .
My question is this and i think i asked it before but not the same way lo.
If our debts are now UE but not yet SB do...