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Link Financial Ltd/Abbey
Have received a letter from Link Financial claiming that I owe £1000 on a credit card from Abbey. Problem is (hopefully theirs) that, to the best of my memory, I've never taken out a credit card with Abbey! Ignored the letter thinking it was a joke but have now started to receive some regular and pretty obnoxious…
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CCA, what next?
So I sent a letter to Mackenzie Hall on 8 Feb requesting a copy of my CCA, statement and deed of assignment. They received it on 11 Feb. They have sent me a letter dated 12 Feb stating that they have requested a copy of my agreement and statement of account from The Associates. My account is on "hold" and no further action…
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Boyfriend just had to pay >£1000 - help!!
Hi, apologies for cross postings but we're really stressed and need some advice... My BF has recieved a letter from his old bank, RBS, well, actually from some kind of debt collection agency from an old account he held 7 years ago (2001). he's paid them off in full in CC as we didn't know what else to do, but we're skint…
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Newbie seeking advice
Hi I've been reading the forum for a while and have decided to take the plunge!! It seems a bit trivial when I read some of the problems on here but I could do with some advice. I currently owe about £9.5K (total) spread over four credit cards as personal debt. I am self employed and also have a large balance on another…
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CCA advice please
Hi, I am on a DMP with CCCS and have just made the first payment to them. MBNA are getting snotty and saying they are going to pass over to DCA as I am in arrears and they claim have made no contact with them, so should I ask for CCA, infact shall I ask all my crediters for the CCA? Or can I not do that as I am with CCCS.
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Anyone had dealings with RBS?
Hi. Am about to start a dmp (my payment will be quite low until my secured loan is paid off). My main creditor is Royal Bank Scotland - mainly a loan, balance approx £18,000. Have been reading posts about N.Rock going for charging orders and forcing sales of property, are all banks like this? Is this what happens?
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where to play free bingo
Have seen people say they've been playing bingo and winning, where do they play? i presume it's free would like chance to try and win somethiong for nothing.
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IVA to BR
I have been contacted by Bankruptcy UK informing me I have been mis-soled my IVA as I have no assets to hold onto. Should I carry on with IVA or go with BR need advice.:money:
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who the hell are hamilton locke?
i received a letter today from them saying that in a survey i indicated that i would be interested in seeking advise from a debt management company. they are offering me a DMP this is sooo not true, i have done some surveys but never have i indicated that i need a DMP- i don't! i have one loan that i pay each month with no…
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Monday 18/02/08 What small dfw thing 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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Hire Purchase AND CCA REQUEST
Hi Everyone, Just a quick question really. I have been reading alot in cca request's and can only make a bit of sense with it. My question is that i have a car on hire purchase with welcome finance and i doubt they have all the relevant documentation that is required under a cca but would this still be the same as…
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help
right i,ve been a fool and am know !!!!!!ed have 1600 coming in plus 700 for a rented property morgatge on above 798 llyods ovedfraft 3800 morgan stanley 2600 mbna 220 mbna 3174 virgin 907 baclaycard 1266 lloyds platinum m/c 3493 tesco2349 storecard174 amex 1634 mothercare m/c 1626 wages get swalloed up in o/d not enough…
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Last ditch attempt to save my skin
Hi, I'm really hoping someone here can help me because I'm really confused!!! I'm a student, and a single parent. I ought to add I do get a wage (a student bursary) which means I look like I've got a reasonable income of about £14 000. I've slowly been running up debts, I think I've just lived over my means a little bit.…
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PaP/Moozie's What will/have you spent today Sunday 17th February thread
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a fantastic and peaceful Sunday, and enjoy the roast .
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Introducing Me
:o I am a long time MSE'r but have recently changed my name as I thought I may be recognised. This forum has done wonders for me in the last year or so and I just wanted to express my gratitude. I have been doing a lot since my LBM and even before. There are some wonderful tales of inspiration and some sorrowful ones I can…
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Daily Chat 18th Feb
Morning all.. it's sooooooo cold here today! :eek: Nice and sunny but I'm had to bump the heating up as the girls' hands a feet were like blocks of ice :eek: Apparently in our village traffic is chaos because of school runs and road works all over the place so Ste's late for work... Got to love mondays eh?
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Weightmans Llp
Hi I requested my CCA from Weightmans on 27.9.07 and never received it. Last month they sent me a copy of my application form for a HFC credit card dated 1995, and yesterday I received a letter from them and court papers saying that they are taking me to court to reclaim the debt. Can they do this? Is an application form a…
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think i've fallen off the wagon a bit
Hi everyone, Well, I originally started posting in November, when i had my lightbulb moment and took lots of actions then and was really good for a month or so. However, since xmas I have fallen off the wagon a bit. I haven't made my debts worse, but have lost some momentum for sorting them out. :o I've not been very well,…
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Payment Protection
I was contacted last week by telephone by a young lady explaining to me that I could claim back on monies that I had spent on Payment Protection plan. I have a loan in which I am paying and she said she could look into it and claim money back as even if I was out of work, nine times out of ten they wouldn't cover me anyway…
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A Bit Of Advice
Hi all just would like a few pointers on what to do next,as the debts i've got are becomming out of control.i've got a £18,000 loan,£6000 on a credit card and a £95,000 morgage take home 1600 a month morgage 700 inc insurances c/tax 102 gas 43 elec 36 tv 12 acc ins 11 pension 20 sky 22 pet ins 25 house ins 30 telephone 40…