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Need help ASAP
Hi all I need help compiling a letter if possible. Hubby took out a loan with Welcome Finance two years ago, and we fell behind on the payments last year. After constant phone calls, harassment and threatening we agreed to pay £25.00 per week, which up until recently was fine. I have since become ill, need a hysterectomy…
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Free Bingo - still available
I guess not everyone has seen it but there is still risk free, free money to be made from some bingo sites. :j Disclaimer: Do not play if you have a gambling addicition. Do not EVER risk your own money. You won't win. I've tried and failed so learn from my lessons. It's very simple. Sign up to the sites. Play with the free…
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Bit of guidance re: cca
Hello! just a bit of advice needed. I requested a CCA from metropolitan collection services re HSBC cc. They sent me a letter stating that they could not provide one. It was then passed over to Central Debt Recovering so i CCA'd them also. They took the £1 fee off of my balance but today i received a reply. In short, they…
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THANK U all 4 everything. Plus need extra advice pls!
Firstly I'd like to thank everyone on here for helping me out with all the difficulties that I've experienced of late. Financially i was truly struggling to keep my head above water and could not see a way out at all. So much so, that even when i posted my SOA i was doubtful that anyone would be in a position to offer any…
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Bit of a blonde moment! HELP!!
Hi All... Very busy and kind of traumatic day - long story!:D Anyhoo...I've been thinking (yes it did hurt!) and I've come up with a plan. My car finance is paid off in May next year which will free up £180 a month. If I was to pay this towards two credit cards each with balances of £1000, how long would it take to pay…
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CS's Brand Spanking New SOA!
Hello one and all, Following my LMB and the start of my DMP, I have a new shiny SOA. All I want to know is, how am I doing now? INCOME Salary £1154.00 Ch Benefit £78.00 Ch Support £180.00 Ch Tax Credit £438.00 BF Contribution £70.00 (We don't live together, but he does eat with us every night, and I do his washing for…
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Barclaycard being naughty?
Hi guys, I posted this on the credit card charges forum but didn't really get a response so thought I would try you kind souls to see if you could help. Thanks GirlieSurfer Can anyone tell me if banks have to keep details of your account, i.e. be able to produce statements, for a certain amount of time by law? My husband…
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Link Financial
Hello ~ newbie!!! DH on DMP with Payplan ~LOOOONg haul! Any one had any dealings with Link Financial? MBNA sold one debt to Link ~ all info passed on to Link via Payplan ~ not heard a dickie bird since ~ well over 10 days now. Cheers!!
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A Good Day
Hi Guys Feeling very positive today!!! I keep reading all the posts on here and have to say that everyone (generally) seems very happy which makes me think of that sayin: "Money can't buy happiness" I am in debt like most of us on this thing but reading your posts, words of encouragement and chats makes me smile - thanks…
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Go easy on me I'm new.....but also help me!
Well I'm new and feel a bit silly putting my story up here after seeing the figures you guys are talking about but I would appreciate your help...... This is my tale..... I have managed to get myself into approximately £5,000 worth of debt. Don't give me sympathy as most of that (probably 80-90%) has been spent on nights…
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Need a bit of advice re repaying a loan.
I currently have a loan with cahoot which i took out about 3 yrs ago as a 5 yr loan of about 6k to consolidate debts from uni. Its a flexible loan that i have dipped into again and again and have never really paid any off. It now stands at just under £5800. The interest rate has risen and risen and is now 15+% minimum…
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Pap/Moozies What have/will you spend Wednesday 20th February??
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a super Wednesday:)
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Help !
I've had a letter from wescot saying I owe barclays money (about 3600) but I dont actually know what its for. Theyve also sent me another letter saying theyre prepared to accept 1500.(which might as well be a million as i dont have it) have had a look on the website for national debtline and got the letter that asks for…
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Littlewoods IBC?
Hello, its me again. to cut a long story short I owe Littlewoods catalogue £2464.38 and have been paying their finance company 65.00 each month towards the debt, setting this up every three months(cos thats how they do it) and paying a fee each time. They have now contacted me and said their policy to debt has changed and…
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Advice please - about to default on Loan and OD
Hi, I have been reading through this forum solidly for the past few weeks every time I get a spare few mins in work (I'm at page 743 just now, lol) When I sold my house I paid of all CC Debts, etc, and put deposit for our new house I had a few grand left to cover payments for a loan that I had, (I didn't have enough profit…
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Business credit v's personal credit
Hi - I have been lurking for some time and taking various pieces of advice from other threads to sort out my own problems - now have payment plans in place with most of my creditors and things are at last manageable. However have hit a problem from Hubbys perspective today and wondered if anyone has any experience of can…
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quick, urgent CCA advice!!
I have sent twice by recorded delivery a request for my CCA to 1st Credit Ltd (acting on behalf of Lloyds TSB) and each time they have refused to sign and accept the envelope. I have also sent my request 1st class but they are claiming not to have received it. A real snot of a women called my home today whilst hubby was…
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The Long & bumpy road - Natlou's 'I will be debt free diary'
Hi Everyone, I have not been a member for long, but I really enjoy reading everyones debt free diaries and have decided to start an online one myself. Since I started on this path to 'debtfreeness' (is that a word?!) little over a month ago, I have been keeping a pocket diary, but since I am the only one who reads it, I…
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On DMP, getting married, new name and credit rating!
Hi, My other half is about to start a DMP with CCCS under her current name. We have 1 joint current account and 1 joint savings account We are getting married later this year and she will at that point take my surname. Her credit rating will be ruined as a result of the DMP but that is under her old name. If we apply for a…
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Help : Debt Collection Agencies
Hi All Hope you can help Has anyone had the experience of being chased by two companies for the same debt. What is the legal position regarding ownership of the debt? If you make a settlement with one company in theory you could be chased for the same debt even it was settled. I am at present paying two agencies and…