Debt-Free Wannabe

A question about : Full & Final Offer or Stick with DMP

Been on a DMP since 2010 with Payplan, I should be in a position to make full and final offers to my creditors over the next few months BUT whats the best thing to do...

I've read that your defaults fall off your credit file 6 years after the initial default was recorded (mine would start to come off as of June 2016 if this is the case), firstly, do I have this right? Mine shows as defaulted every month even though i'm on a DMP, is the same for everyone? (Sorry for sounding thick)!

A question about : Which debt advice people should I use?

Hi

Any advice greatly appreciated please.
I am having to admit to about 13K worth of credit card debt which I have been struggling to repay.

I have been shifting it about for a while on various 0% deals and paying the minimum amount every month hoping that things would bet better and it would get paid off.

Instead things have got dramatically worse as my husband is now out of work and I do not work either (he was self employed and I helped him) so I'm really in a fix. Really struggling now!

A question about : Outstanding rent arrears

Hello all

Need some advice please.

I used to live in a 2 bedroom flat until i decided to buy a house with my wife. Fast forward 8 years later and i have been contacted by letter and phone call (both by a claims collection type company not the housing company) claiming i owe the housing company rent of Ј160. As far as i'm concerned i fully paid all rent plus i gave the housing company my forwarding address etc.

A question about : DMP Advice Re 'All Monies Clause'

Hello,

I am new to this site and have never before posted on a forum so forgive me if I have posted this thread in the wrong place etc.

Myself and my wife have recently spoken to Step Change in relation to the potential of setting up a DMP.

We have unsecured debt (personal loans, credit cards, overdrafts & catalogue) of circa Ј100,000.00.

Everyone I have spoken to including the creditors themselves are advising that we go down the DMP route.

A question about : Taken a big step to sort out debts today...feeling good

So I was looking for a loan of 4500 to consolidate my debts. Was unsuccessful. My credit rating and past history has impacted lenders decisions. I'm 21 and want to start to grow up and sort my life out.
Today I called all of my creditors and got an early settlement figure which slashed the amount I needed to borrow by 1500. I started looking for new loans of a smaller amount but still had no luck.

A question about : Loans for those previously bankrupt

A question about : Just looked at my Experian credit report, seems ok but a few questions

Only shows 6 records, 1 is new credit card I got, then my Santander account and 3 Clydesdale one and one from 3 and one for my internet.

However I have 2 searches from Lowell as Unrecorded Enquiry what does that mean? I am in dispute with them for mobile phone debt from 2009 (shall I just ignore it as last payment was made in May 2009 or can they be trying to register a default at last minute)

A question about : lowell group and disputed three debt

Hi,

Wonder if anyone can help, I've had a phonecall over a disputed debt with 3 mobile for mobile broadband which I never had. A few years ago I disputed it and never heard anything then pre xmas I got a call from lowell and went through the same thing again. They said it was being passed to three to investigate and have come back today saying that three say it is mine as they conducted a credit check and see I have a current account at my home address.