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reclaiming bank charges
quick question; i internet bank and do not have hard copies of my statements and probably cannot go back more than a year. Are the bank obliged to do the donkey work? ie go through looking for all my charges? I guess they'll ask me to provide for the 'prosecution' cheers
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IVAs?
We set up an IVA a few months ago, we're paying for it:rolleyes: didnt realise I could arrange this for free until I came on here. The amount we owe is about £12000, once it was set up, I thought the credit card companies would reduce their balances to remove interest, charges etc so we were only paying back what we…
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my story
Hi every1......i have finally found a forum that exchanges views on the dreaded debt subject,i have been in debt now for 10 years and it all started when i got my first credit card.The most i been in debt is 22k and the least is £300, at the moment it stands at 13k which consists of 2 credit cards 1 unsecured loan and an…
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AQA - I got the job!
Quick update for those who were wondering whatever happened to my AQA application (I don't think any of you were, but heck). They received my contract this morning, and I've got my starter pack! Just have to wait for my senior to log into Yahoo and I can arrange a time to start. Whee. If any other AQA'ers are around, add…
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partially settled debts
A&L have offered me a fantastic f&f at £1000 for a debt of £3200 but the wording of the offer states about credit reference agencies that 'details of this settlemente will also be submitted to show that the debt has been partially settled.' I am worried that the wording is ambigious and will therefore come back to haunt me…
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newbie - your advice and tips please.....
Hi all I have been reading through this site for a while and love the great advice, tips and support. This site has really helped me get the strength to try and take control of my debt. Please do send any tips or advice that you have for me. I had my light bulb moment at the end of July and have made lots of changes to my…
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debt headache
hi Im just dont know what to do for the best at the minute , Were in £40k of debt again and this had been the 3 time we have re morgorgaed 3 times and have a huge mortgage and no equity in our property now and i find it a real struggle evry month to make my miniumum paymts . I aslo felt that as long as i could make these i…
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Debt Collection Agencies Questions
Hello I've been reading the forums on this site for a few weeks now & find it a great source of info. However, i have now realised i need to take my head out of the sand & sort my situation out. I have a massive amount of un-secured debt spread across 11 credit cards & 4 loans totalling about £84000. I have not yet done a…
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Bank Charges
I am wanting to send to the bank to get my bank statements for the last 6 years do I have to write anything special on the letter or is there a standard letter on the website. Thanks
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new to site and would love to have your feedback
Hi I have been reading through the great advice on this site and cant believe how helpful it has been to me. I have used lots of your tips and would be greatful for any tips or advice anyone can offer me. I have 3 debts the first one which is the biggest and i cant believe after paying off over £5000 i still owe a few…
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Spendaholics aahhhhhhhhh
Just part the way through Spendaholics and it is the same on thing. 1) Person owes most of the money to their parents, never really going to pay it back. 2) They put the people on "cold turkey", with a silly sum of money £10 tonight, they are never going to do it longterm!!!!!!!! 3) The people blag stuff from their…
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Need help filling in my claims form.
Sorry if it sounds daft, I don't even know if I am on the right page or anything :D I am trying to claim charges back from capital one and have registered with HMCS and when it is time to start the claim I have no idea what to put in the box called "claim description". Am I even in the right place??????
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Well Dne Lynseyjane
All those vibes must have worked, just been speaking to LynsayJane and she got the job she went for . CONGRATULATIONS CHICK.:beer:
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Young Couple with no income and small debt
My son and his partner (and baby) have been strugglin along on his small income since they had their baby in January 2006. They were paying off debts my son racked up when 18 or 19 years old (about £6000), and now my son finds himself unemployed and unable to find anything in their meagre budget to spare for his creditors.…
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Remortgage or not remortgage
Hi This is the first time I have visited this website, recommended to me by my son. I am 58 years old and was looking forward to a nice retirement. Unfortunately, my husband who is self employed has had a bad run of luck with his business and unbeknown to me has run up credit card and loan debts and got into trouble with…
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I think this is it.
Hello all, Well I've finally done it and worked out exactly how much I owe, and I'm stunned. I'm 28 with no assets and my debt as of this moment is £26999.86!! :eek: My debt free date currently stands at November 2010!! :eek: I've hammered my budget and saved on all bills, my budget looks great but my problem is sticking…
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tax credits/bank charges
hi every1, after starting to save around £40 a month thanks 2 the good advice on here:T tax credits have gone and put my money down £40 a week without letting me know in advance:mad: so as i had already paid bills i am now back to square 1-going to get charged again cos of this but i have already sent my letter to bank…
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Even the weather is MSE!
LOL - I was so so tempted to go to Sainsburys to buy nummy food this evening which I don't need at all but kept thinking of you guys and managed to resist. Anyway, it's just started thundering and pouring with heavy rain so boy am I glad I'm not out walking to the shop!!! Obviously the weather wants me to save my money…
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Capital One
Hi I am about to commence DMP with CCCS (first month's payment to them to be made tomorrow). I have been receiving regular phone calls from Capital One on my home phone which have been fielded by OH. The numbers have always been 0114. Today, I have discovered that they have been calling my 2nd phone line at home which I…
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Bankruptcy household expenses - And what you think of my SOA linked to my BKY
Hope someone could help me here, As part of our Bankruptcy I am fully aware that we will have an IPO against us for 3 years. Does anyone know what we can claim allowances for and if so how much. We are both going BKY so are goping to do a joint SOA for them. Our worries are as : Prescriptions : OH has athsma 2x per month…
