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Anyone able to answer re the interest only element and creditors approach to it?

They have said each application is assessed on it's own merits. I have a bad feeling they will want me in a TD or other arrangement before they woul...

Thanks David, I probably do need to sit down with someone. Just a couple of questions though, how quick could this be arranged? Is my understanding ...

Right. So NRAM need to book me in with an advisor to switch to repayment. None available till 22/8. They will not switch without the advisor say so a...

Thanks guys. I do need to make some calls but have very little free time at the moment. One of the shopping list items is a bank account. Was hopin...

Firstly, thanks for all of your help guys. It has been a massive relief to know I have an option.This forum remains an absolute gold mine of a resourc...

Total is around 43k. There isn't one creditor dominating. Largest single sum is £8,000 in form of a personal loan (Honeycombe Finance). Others are a ...

Hi Rickie, I am over two years discharged and still have a fairly low score with Call Credit and Equifax. No defaults or late payments are present....

Pinalta, Really sorry to hear this. Have also read some of your previous posts. Not sure if you have considered approaching the media - it may b...

Hi Martin I had to contact HBOS as well to get them to correct. Best advice I can give you, is email the CEO direct to complain. Ask for compensati...

I know, I'm considering it:/ Odd that they have accepted me though and gave me account number, overdraft, sending card out though? quote:Originall...

I've graduated (if that's the word) to two mainstream credit cards now. Started with Vanquis, then onto Aqua and Capital One. Got accepted with MBNA a...

Some interesting responses on this. Looks like I have not read the question properly!; (Broken Link Removed By Admin).

Hi Firewalker, Not been on here for a while, hope all is well with you. I did consider Coop but they knocked me back for a credit card a couple ...

If they don't resolve it before 23 November, then yes! I get the feeling that they are going to turn round and say the balance is owed - which sho...