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BARCLAYS letter help please, are they being straight?
hello my wife has recieved a letter from a company who say the are dealing with the loan on behalf of barclays but say that they have not bought the debt? here is the letter; REGAL CREDIT CONSULTANTS LTD name and address date client: barclays client ref: ref amount £10,302.13 dear mrs Mooney we write with reference to the…
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I have done it!!!! I have bloody done it!!!!
As of 10 mins ago I am officially DEBT FREE!!!! OMG it is such an amazing feeling!!! I never thought this day would come!! Thanks to you all for you great advice and help. Im gonna stay around and give my feedback!!! Take care :j xxx wonderemxx xxx:money:
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being hasseled
hi, my freemans debt was passed on to a debt company. when i recieved the letter i used one of the template letters so i could request my signed credit agreement from the debt agency. today i have recieved another (possibly nicer letter!) from the debt agency saying i had an outstanding debt that needs to be paided and to…
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BARCLAYS F & F loan offer advice please
hello my wife has recieved a letter from a company who say the are dealing with the loan on behalf of barclays but say that they have not bought the debt? here is the letter; REGAL CREDIT CONSULTANTS LTD name and address date client: barclays client ref: ref amount £10,302.13 dear mrs Mooney we write with reference to the…
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Friday 24th October *Daily Chat*
Ooooooo I am so excited:j Woke up at 6am and just had to get out of bed as it almost feels like Christmas for me. OH and I are off at 2pm on a weekend break to Amsterdam and we are going on a ship and everything!!!!! Sooooo cant wait:j Only at work for 2 hours this morning but I have a feeling I wont be very productive:D…
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Northern Rock CCA
Hi I worked for Northern Rock but was made redundant from them a few months ago. It left me short of paying bills that were otherwise managerable. One of them in particular was with Northern Rock. I recieved a statement from them which said the loan balance was around £15,000. I knew this wasn't right because I know the…
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Worth offering F&F on small amount?
I have a debt which I have been paying along with others on my DMP. Its currently with a DCA and balance is £65 (monthly payment £5). Do you think its worth me offering a F&F settlement figure or should I just carry on paying. Would they even bother worring about a settlement with so little to go? May be a stupid question,…
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Friday 23/10/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Natwest and Barclaycard....I am SO annoyed
2. We made a final payment on a Barclaycard credit card a few months ago (June or July) and at the same time request that the account be cancelled. We have just received a statement saying that we now owe them £29 card protection as if the account hasn't been closed.
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Northern Rock / IVA / DMP Question
Hi Some advice needed, but I’m not sure if this is the best forum. I am one of the many who are stuck with Northern Rock on a variable rate due to an LTV of 118%. It’s obviously looking like I am going to be stuck with the rock for an eternity as I am unable to get rid of the unsecured loan element. One colleague suggested…
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What should I do?
Hi, I would very much appreciate anyone's help and advice as I find myself in serious debt and it's all coming to a head. I am so worried about it and have kept it all to myself because I just don't know how to tell my wife. I'm afraid that we could loose our house and I know how much my wife loves this house, I just don't…
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what happens with ccj
hi im due to start dmp with cccs and currently paying token payments of 1.00 a month i know the creditors could try and take me to court to get ccj and this really worrys me sick but what happens then? i was told by cab to send forms to them and they would sort it and i wouldnt have to appear.do you just go if you really…
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egg threatened dca 5 weeks ago?
we have egg card with balance of 3.900 and after getting into difficultys we contacted cab who advised us to make payments of 1.00.we recived default letter from egg saying we had until 17th september to pay arrears which we couldnt do so 2 days after we recieved letter saring account was cancelled and been passed to dca…
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Insolvent Ltd Company - can I claim?
Hi everyone I'm new here, so be gentle with me! Long story - short summary. My company ( I was a director) recently became insolvent (voluntary arrangement) and I have a joint personal guarantee (with my husband) covering about £22k with HSBC Two things really. Firstly, we are partly in this position due to pressure from…
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stopping Interest charges
Hi everyone, i've just paid off 3 of my creditors, at only £100 each it's just a small step. I have 6 more to clear, 3 with natwest, 1 hsbc, 1 laredoute and 1 store card. 2 natwest accounts are charging me interest - i don't know how much or what my balance is. The other one is a credit card, it's been passed to their debt…
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I did it befor but now
I successfully reclaimed my bamk charges from Lloyds TSB :j I have also now got my budget under control BUT:mad: LloydsTSB have got me in a ever increasing spiral of charges as each month There charges send me over my agreed overdraft, next months charges have gone over £200 already, I am going to CAB tomorrow as talking…
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New SOA - Please do what you can
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 778 I'm currently looking for a higer paid job Partners monthly income after tax....... 930 Benefits................................ 0 Other income............................ 0 Total monthly…
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Desperate but need help cccs Debt remedy
Hi I followed a link from this site and went onto the CCCs Debt remedy site. Filled all the information in , they then came up with a debt remedy for me which entailed me paying them £65.oo amonth and will clear my debts in 6 years Has anyone had any dealing with companies like these and what are your feelings about them.…
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Not sure what to do
Hello We are in a lot of debt at the moment, which we are currently trying to pay off, however my hubby lost his job (hes ok got new one now) but we are constantly playing catch up from the months he wasnt paid for. so where as we were slowly getting somewhere we are now not. We have a car we are trying to sell (well part…
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50 k in debt
Hi all:beer: Ive just called Churchwood financial for help and it seems to good to be true. I need help or I will go bankrupt soon Out of 10 - how would you rate Churchwood? - Ive tried CCCS and the website said that they cant help me as Im self employed Please help Regards Neil