I understand that after 6 years my credit file will be clean, but which of my ex creditors will allow a fresh start after 6 years

Interested in
Barclays/Barclaycard - Most of my debts were with barclaycard, no barclays account pre IVA
Tesco
HSBC - they seem very strict,...

Hi Please can someone help, I see from this thread -> http://forums.all-about-debt.co.uk/s...omeone-help-me you have had a similar problem, I have recently claimed PPI back from Nat-west, it was upheld and payment was due to be paid to me, I received a text yesterday...

I needed to open a new basic account for personal reasons this month, but with a trashed credit profile and bad debts to most of the high street names, it was a bit of a search - but I eventually settled on, and was accepted for, the TSB Cash Account with no problems.

The TSB is a "new"...

I have balances on a Flybe and Tesco Mastercard that i am hoping to port over to an Interest free card with view to paying off ASAP.

My most recent default was June 2011 so I called my Bank (lloyds) to see if i was showing eligibility for one of their balance transfer...

I've gone and done it again, I'm in a financial mess and digging frantically :-(
My mortgage is with Barclays, there is also a loan and I'm overdrawn by £2800, so please may I have some advice.
If I have my wages paid into a different account and transfer the direct debits for the mortgage...

To keep it short and simple, i cannot afford my barclays additions+ account any more. From the 16th june this year, i will be charged £1.50 per day due to barclays new overdraft charges. I'm £1600 into an agreed £1750 overdraft. I already pay £16 per month for the account, so that will be £60 per...

Hey guys,

As you may or may not be aware, my partner is expecting. I joined this forum in hopes of sorting out my debt once and for all, however, this appears to be long term rather than short term. Call it naievity.

I have around £9-10k worth of debt, the majority of which...

OK here goes... wow it's so bad















Barclays CC - CCA path started - £2,481

Barclays Gold CC - CCA path started - £1,664

MBNA CC - Link - CCA path started - £2...

I had a current account in arrears etc owned by Lowell's now (details on my UE diary).
When I was younger I accumulated over £2200 in charges fee ranged from £20 - £39.I put in a claim in 2008/2009 when I started to struggle financially it was when the test case was going on, claim denied...

I have 4 outstanding accounts that I am not paying. The last payment on these was to the CCCS when I was in a Debt Management Plan. They then divvied up the money to my creditors at the time. The last payment I made to CCCS was in November 2007. My payment would have been made around the 27th/28th...

Hi,

I owed over £10k to MBNA on a credit card taken out online circa 2003 - change in circumstances meant payments were not fulfilled, defaulted and eventually sold to a DCA. After getting a CCJ (which I subsequently got removed with some help) I have agreed a full and final settlement...

Just wondering about banking within the same group that have defaulted you.

I know there is the right for the same company to set-off/nab funds from other accounts if you are in arrears. Does that apply to the group? And would it apply at all after a default?

I ask because...

Time has cleansed the credit record in any case but being away, numerous moves and no association with previous addresses have left a fairly blank credit file. However, full rehabilitation won't be achieved until we've bought a place to live and so forth. And here is the problem.

In the...

I have been searching the net for information on this Advance Account for several years. Hardly anything to be found. I remember that they wrote to say that they were withdrawing it.
Have now found the letter January 2011 "We are withdrawing our Advance product." withdrawn on 25 March...

ah the bankrupts bank of choice (or so I thought)

been bankrupt 6+ yrs now cleaned credit files etc and watched everything drop off credit files 12th March 2012...asked a couple of times if I could have the account upgraded they said once i'd been BR 6yrs they would chat

Last...