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CapQuest EEEK!!!
A debt off mine has been passed on to CapQuest, what is the best way to deal with them. I do acknowledge the debt and am willing to pay it, I'm just broke and need a bit of time to pay it. I've heard bad reports about these and would appreciate advice on constructing a letter to keep them at bay.:eek::eek::eek:
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Picture Loans closed
Not sure if any people on this board are interested but Picture Loans are currently closed for New Business: http://www.picturetheloan.co.uk/
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CCA requests - A query
Out of curiosity (because Im sure my employers are lying - big bad american cc company who also issue virgin a&l) With respect to a CCA request, when they are recieved , they are allowed the alloted time frames etc. if the CCA is not / cannot be produced, they debt is unenforceable. Is this still the case if you have…
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DMP help!
First ever post. I am just about (in March) to embark on a DMP with CCCS. Debts stand at around £60000, mainly cc's and couple loans. Is it worth sending letters for cca's to each and every one or should i just let cccs manage my plan? What can i expect from my creditors? Will they accept the plan? £291 available to them…
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On DMP with CCCS but bank won't cancel a standing order for a loan!
My other half has a loan with HSBC and a loan with HSBC. She is now in the process of starting the DMP with CCCS and have cancelled all her direct debits for other creditors, and also opened a new bank account. Problem is that HSBC will not let her cancel the standing order for her HSBC loan!!! (it's standing order, not…
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Is my friend completely mad or is this the 'done' thing.?
My friend is a single mum with 2 children and on benefits, she rents privately . She took out a loan in july 07 for 12000 from lloyds tsb ( which i said was a bad idea) she consolidated everything then she started on the CC she had cleared ... now she has 6000 on CC and the rest of the loan owing. Plus a massive overdraft…
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Just saying hello..
On the advice of a couple of other forumites, I am popping in to say hello:D . I'm not 100% sure I belong here, as thanks to being make bankrupt I don't have any debts anymore, but I don't belong in the bankruptcy board either as I am now discharged. I am hoping I will get some good hints on living on a stupidly low…
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PaP/Moozie's What will/have you spent today Monday 18th February thread
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic Monday at home/work:)
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Worried About Losing My Home
Hi Wondered if anyone has had a similar experience to mine. My OH ran up credit card debts of over £30,000. Citizen's Advice arranged reduced payments for him and this has been ongoing for around 6 months now. They are only dealing with his financial situation as I didn't want a joint debt plan. We own our own house and…
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SOA and "found debt"
Hi everyone, here's my SOA. (current as at: 01/02/2008) Income: Salary: £1,200 pm Outgoings: Dom&Gen??: £7.49 CANCELLED 28/10/08, and Feb's payment refunded YAY! BT (BB& Phone):£47 Mortgage: £497.61 Council Tax: £102 (for the moment!) Gas: £16 elec: £36 TV Licence: £11.37 Insurance(build&cont):£22.39 Mobile: £35 Life ins:…
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Advantages of Switch
Anyone know if theres any advantades of a Switch card over other cards eg..electron, visa,maestro.I have a nationwide card for travel with cirrus,an a electron is cheaper with ryanair, but I want to open another bank account and was wondering which one is best or if theres any benefit to other cards!
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Thanks for much and sorry for lurking
Hi everyone, This is my first post on this forum and have feel really bad about it as i really feel that the people on this forum has allowed me to regain my life. Today I'm paying back the last £48 of my debt and i couldn't have done it without all the great posters on here. I'm sorry i wasn't more active and didn't join…
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can any one help?
Can someone please help, we have recently signed up with the cccs debt management plan, where we would be paying 129 pound a month to pay off debts, we are behind with our rent by almost 3 months our landlord knows about this and he isnt hassling us he knows our situation, just recently my partner has lost his job due to…
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Default notice
Hi, i have just recieved my first default notice from lloyds tsb and was wondering what to do? should i just ignore it for now?
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mirror bingo
Hi I've just signed up to Mirror Bingo through a link on here and had to put my card detials in. The site doesn't seem to be working properly and i'm worried that my card will be used fraudulently. Does anyone know if this is a safe site? :confused:
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Advice needed for a mate
Hi, a mate of mine has just recieved a letter from a debt collection agency saying northern power have just passed on his account to them and they are beginning court proceedings, will send baliffs round his house, charge him 60 quid for the visit (before any court action) (all the usual scare tactics). the situation is…
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01312number
hi, having been bombarded with creditor calls again recently (6 month review is up on payment plans, have kept in touch with them by post informing them of my current situation and requesting contact in writing only, but some of them continue to call anyways), I have for the time being ignored calls from numbers I don't…
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Debt Help please?
Hi, A little bit of help would be appreciated here please. I am self employed, have an £80000 mortgage, £18000 on 3 No. 0% credit card deals and a couple of loans toatalling £20000. I Have £2000 in a savings account and need to know what I should do first to start to clearing my debts? I think my name has been aptley…
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DCA - What do I do next :-S
Ok. Sent off my cca request, not sure of the date but I have this info at work. My £1.00 was cashed and I have received a letter today from the DCA saying they have rejected my proposal for payment. I havent sent a proposal just the template letter requesting for the cca. How do I procede from here?
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Debt Management Companies and Defaults
Hi, I'm after a bit of advice.... In September 2005, I entered into a debt management scheme with a company who I won't name! I paid almost £1000 upfront for them to set this up (looking back this was stupid - as I know now there are companies that do it for free!). They fiddled my outgoings so it showed I could pay back…