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Hassle from Logic group debt recovery - advice sought please
Hi, Took a call from Logic today about my 'account' with them, i pay them 50 pound a month standing order, The guy today wanted to know (in his own words) what ive done about settling the whole balance (2500). I said i have no extra money available at the moment other than the 50 i pay you each month. Then he says well…
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Car Loan - can I reclaim penalties/charges
[I have started the process of taking my bank to court in respect of the illegal charges on my account. However, I am wondering if anyone is aware if this process applies to charges, e.g late payment fees on car loans. I have an account with Forthright Finance (owned by the Royal Bank of Scotland) who regularly charge me…
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Hi Guys & Gals.....have some mega good news
No I haven't won the lottery but to be honest its the next best thing! You know how I posted a few weeks ago about my job? Well I went for an interview today and had a phone call to say they want to offer the job to me!!! It's abit more travelling but basically its a £3500 pay increase. I'm so happy.
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CCJ's
before Christmas i had the forms through from a collection agency re an unpaid store card they said if i didnt pay in full by a certain date i would have a ccj put against my name. well i managed to pay in full but havent recieved anything to confirm payment and that i wont have a ccj, totally forgot all about it till i…
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Pre-LBM, most ridiculous purchase...
Hi all, I have just been looking back through my credit card statements and I am disgusted with myself at the ridiculous things I have bought, I can't believe that was me. For example: £109.85 on Spa treatments on holiday (2 massages), this was supposed to be a "cheap trip", the hostel we stayed in cost us £7 a night....…
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Debt and Manic Depression ??
Hi I am after a bit of advice My sister has been diagnosed with bi-polar syndrome, otherwise know as manic depression and is unable to handle her financial affairs herself at the moment. It has come to light that she has signed an agreement with a company called 'Log Book Loans' who have given her 2k secured against her…
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Good way out of debt??
having problems keeping up with bills and loan debt payments. Anyone think thisi s good idea:i have house with equity of @ £80k, adverse credit or bad credit rating. tried to remortgage with loan but all lenders saying no. Anyway/ any bright ideas of places or lenders who can HELP raise a loan. Need good rates, really to…
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blasted AA!
hello everyone! right, I had AA cover for about 2 years, I remember signing an agreement for 1 years cover, when the second year started they just sent me a letter saying that the cover would just continue on my question is this the AA are now trying to demand full payment of the policy as i cancelled it but i don't want 2…
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Had to shop on saturday
Hold your horses it's not as bad as it sounds :) We had to go to a wedding this weekend for one of OHs business associcates (evening reception). Those of you who have partners in senior management will appreciate that this is part of the territory to go along and look pretty and smile etc... I hate it but it's part of the…
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High Interest Bank Loan
Hiya, I'd like to save myself some money and get a lower interest loan. I currently have one loan with Lloyds TSB with a rate of of 17.9% (yes, ouch!). My problem is that my bank were the only ones who'd lend me money as I have only ever borrowed from them and no other lenders, so it looks like I have a non-existent credit…
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Left the UK, Out of our minds with worry
Hello, thanks for this forum. I hope someone can point me in the direction I need to find, I am making myself ill with worry over our debts in the UK. Sorry for the length of the post, I am trying to give as much information as I can. Situation is, 6 years ago we were given the opportunity to start a new life outside of…
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yay, got debt below 2k
sorry, abit of self praise here, but I got my credit card debt to below 2k! 1995.55 to be exact :D My new 0% card comes next week and I'll be transferring both mine and OH's balances onto it and paying 200 a month off atleast, but the balance will have increased to just over 4k but debt free hopefully by next summer! :D
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Lightbulb moment
Ok a quick start off to thankyou to everyone on this website. i started reading this website in march when like everyone i had a few credit cards loans etc After reading all your advice im glad to say im starting to see the light Car Loan £7,276 (est) Bank loan £6,645 (est) Personal loan £400 or so left (est) HP £1600…
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Guilty about My Boyfriend
My fella and I do not live together and I had my debt before we met (been together for about a year) He is fantastic with his money, earns a good wage, doesn't owe a penny to anyone because if he wants anything expensive - he just saves up for it! Since having my lightbulb moment a few months back he has been incredibly…
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Realisation has just hit. Don't know where to begin.
I need help. I can't face it anymore and I don't know what way to turn. My husband was forced to take 2 weeks unpaid leave from work when I was ill to look after our 3 kids. He hid the fact that he hadn't got paid, got us into a whole heap of debt because he's never been that great with managing money and I only realised…
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Cca
Morning guy's and gals just a quickie some time ago i read a thread that had a copy of a letter that we could use if you were requesting a copy of the cca. can anyone point me to it again please a friend of mine needs it and i promised i would get them a copy thanks maka
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Update on me sorting my debts !
well well ! .... ive rung the DSS this morning and because they dont deal with direct debits they are sending me a payment card so that i can make payments on it .... to reduce the debt! ive got a Direct debit form to drop into the bank for my old housing arrears at £15.00 a month from me .... ive got a payment book from…
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Help with annoying phonecalls please
Hi, need advice about a DCA that keep phoning. We have a CC debt originally with BOS but which was eventually sold on. The company we were originally paying lost the contract with the bank because they were not passing the funds on quick enough. There was originally 3 accounts and 2 of them were passed on to Legal & Trade…
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John Commuta - Inspirational BUT believable and do able ?
Hi everyone, I managed to listen to this over the weekend, and its made me seriously think, ie less than 4% of (US) people die debt free. Thats a bad statistic. But I cant help feeling it is questionable, ie seminars etc and at the end of the day he is selling his wares, it doesnt profit anybody except himself. what does…
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DFW Bluezone update - woohoo, and did anyone else have a positive wkend?
Hi guys just thought I would share my good fortune with you guys. I did a bootsale yesterday and got £120 then I did a shift in a pub and should get approx £30 for that. The bootsale money is usually split between my sister and I but she said as she wasn't there then she doesn't want any of it - woohoo ;) I've put the…
