Recent Posts

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Consumer Proposals / Re: Refresh Financial Secured Visa
« Last post by Wetcoaster on Today at 08:49:53 PM »
Hi, everyone. I just thought I'd share this with anyone in, or just out of a CP, and trying to rebuild their credit. I've seen a few posts about people being charged unreasonable annual fees for secured cards, and this one is much cheaper at only $12.95 per year, with a lower interest rate, to boot. Also, for anyone who feels a little self-conscious about whipping out well-known secured cards in front of people, this isn't very well-known, and looks pretty snazzy. No one would think it's a secured card. Just Google "Refresh Financial Visa".

Also, a little update on my progress. Both my TU and EQ scores are now at 750+ since being discharged from my CP, July, 2016. And I just got an Amex Simplycash (the no fee version) in the mail today with a $6400.00 CL! Time to ditch the Capital One Gold card! I'll be keeping my Walmart Rewards Mastercard, though, since it's the oldest on my credit file.

Stay positive, everyone!


Very good credit score for only that long out.  I am 16 months out after finishing our CP and am sitting in the mid 600's.

I have 2 Capital one cards and a CT M/C for a total of $9000 credit.

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Consumer Proposals / Re: Car Lein and CP
« Last post by Wetcoaster on Today at 08:46:47 PM »
Talk to your Trustee.

Not to be mean but I have no sympathy for you at all driving without insurance. 

I will stop before I say worse things.

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Consumer Proposals / Car Lein and CP
« Last post by kkkarl403 on Today at 08:31:11 PM »
I got into an accident with no insurance. After my debt piled up i filed and was accepted for a CP. Included in the proposal was the car.
Since the car was damaged they did not want to take the car and settle, so they accepted the CP. Now im stuck with a damaged vehicle i cant afford to fix and keep towing. What are my options? Once the CP is paid will the Lien come off? Can i sell it before the CP is paid? any help would be great.
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Consumer Proposals / Buy real european passsport, driver's licence, id card online
« Last post by GoromJ on April 21, 2018, 10:58:24 AM »
Best quality real passports provider: w w w. buyrealpassport.cc
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Consumer Proposals / Refresh Financial Secured Visa
« Last post by New Beginning on April 11, 2018, 01:38:47 AM »
Hi, everyone. I just thought I'd share this with anyone in, or just out of a CP, and trying to rebuild their credit. I've seen a few posts about people being charged unreasonable annual fees for secured cards, and this one is much cheaper at only $12.95 per year, with a lower interest rate, to boot. Also, for anyone who feels a little self-conscious about whipping out well-known secured cards in front of people, this isn't very well-known, and looks pretty snazzy. No one would think it's a secured card. Just Google "Refresh Financial Visa".

Also, a little update on my progress. Both my TU and EQ scores are now at 750+ since being discharged from my CP, July, 2016. And I just got an Amex Simplycash (the no fee version) in the mail today with a $6400.00 CL! Time to ditch the Capital One Gold card! I'll be keeping my Walmart Rewards Mastercard, though, since it's the oldest on my credit file.

Stay positive, everyone!
6
Consumer Proposals / Fake UK passports for sale
« Last post by GoromJ on April 10, 2018, 01:34:50 PM »
Best quality counterfeit documents online: w w w. buyrealpassport.cc
7
Consumer Proposals / Australian real documents online
« Last post by GoromJ on April 10, 2018, 07:50:13 AM »
Best quality counterfeit documents online: w w w. buyrealpassport.cc
8
Consumer Proposals / Re: Problem after CP
« Last post by Jennykk on April 01, 2018, 04:35:08 PM »
You mentioned agent. Did you work with a trustee or a debt management company?
The trustee should be able to help you with this as you paid them a fee as part of your proposal payment.
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Consumer Proposals / Problem after CP
« Last post by Holie on March 31, 2018, 10:16:05 PM »
So, I'm here to relay a problem that I'm having after my completed CP.

This CP included all of my debt including my auto loan. This was all approved and my car debt was reduced significantly to 3000. However, I totally forgot that my husband co-signed for my car loan. No one pointed this out or even caught on before BMO agreed to reduce my debt. After everything was completed BMO contacted me and told me my debt was outstanding and that my husband was on the hook for the debt. I explained that this couldn't be the case because BMO agreed to the CP.
My agent that helped me said there was nothing they could do because the proposal was done and signed. They are trying to rework my proposal but they say the odds aren't in my favour. And the bank has been telling me that everything would be adjusted once I finished off paying my car in a year.
Okay. That ended up not being true as I still have 3000 dollars to pay to BMO through the proposal they agreed to. So not only are my husband and I paying off the outstanding car loan, I am on the hook for 3000 CP debt. they are getting an extra 3000 dollars!
This can't be right. But no matter which side I talk to either BMO or my agent, their hands are tied. I refuse to pay this extra money but I have no idea who to talk to to correct this mishap.
Please help.
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Consumer Proposals / Buy real documents online?
« Last post by LotrobY on March 31, 2018, 01:48:47 PM »
Best website to order real quality documents: w w w. buyrealpassport.cc
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