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Defaulted MBNA acc - £1200 Fees refunded to reduce the balance - won the lot !
Evening all... Just to let you know a little titbit.... As you know I defaulted on everything but the paper bill.... Filed one letter with MBNA last week, have won over £1,200 in fees refunded to the defaulted acc to reduce the balance... mind its over 10k... Little do they know Im goin BKY next month... still ... proves…
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What I should be doing and what I am doing!
Well it's friday night and true to form I am not doing what I should be, thought I'd share a list and wondered if any of you are in the same boat. What I should be doing Listing stuff on ebay (pending) Finding my account details and going on Consumer Action Group Site and starting off the process of claiming my bank…
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Reducing gas so we don't get in debt
My OH and I bought a 1901 terrace house in May 05. Our gas bill is quite high. We pay £70pm for gas (cooker, fireplace, combi boiler that heats the water). We use British Gas Duel Fuel. We are in debt at the moment on our gas by £300, it was £450 at Christmas and has only gone down somewhat because our direct debit has…
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What a start to my 30th birthday weekend
DH has had his motorbike reversed into :mad:, damaging the front end, the van driver has admitted liability though which will save a fight. His insurance company is arranging for a courtesy bike for him, as it's his only transport. My brother :A has cheered me up though, he's fully aware of our situation, he's taking me…
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Claim bank charges back after the account has closed?
Not sure if this is the right place but I have a quick question about reclaiming bank charges. Can you still claim back from a bank that has closed your account? Barclays closed my account last year when I was struggling to pay back back my overdraft. However I am still dealing with them as I still owe £2900 on the…
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Help Needed
£2000 in Debt 3 Seperate bills (1 cash) all of which are about to start court procedings. Terrible Credit history No Idea where to start before it gets out of hand Dont mind paying interest if I can pay it over time. ANY ideas???
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Snowball calculator pls?
Just wondering if some kind soul could tell me how to find the snowball calculator Thanks
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Full and 'FINAL' Settlement Letters
Hi all, Want to ask who of you have had settlement letters from DCA and Creditors offering you 75% - 60% - 50% of the ballance to close the account? What do you do to do this, I have read they will accept the payment but the rest can be sent on to a third party (another DCA) and the debt is not cleared even when you have…
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Trouble from Citi Group
One of my debts is with Citi Card ( formerly The Associates Card). In 2004 I offered them a settlemet figure to clear the balance. After 2 months they sent me a letter accepting my offer. I wrote back requesting a proper letter of acceptance stating that no further payments by themselves or any third party would be sought.…
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Credit cards and chip and PIN.
(Posted after a conversation with a colleague about using their credit card in a ATM). Call me a cynic, but I believe that other than fraud prevention, there is an additional reason the CC companies have been so quick to introduce chip and PIN. As we all know, using an ATM with a credit card is a really bad idea. Not only…
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Requesting all correspondence in writing
Hi can someone remind me of the act or law regarding being allowed to request that dc companies only contact me in writing rather than phoning 400 times per day...Thanks
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What do you guys and gals think?
Hey guys and gals, This is just a thought...I've not done anything about this but I was wondering what you guys thought about it? I have a egg card balance of £0 and the rate has been dropped to 9.9%. I have an egg loan, balance £3200 apr 14.9% and an overdraft with barclays apr 14.9% ish. I was wondering if i should…
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Sisters Debt
Hello, I'm just writing to ask for some advice please, as everyone is so helpful on here..... My sister lived with my husband and I for 6 months back in 2003; she moved in with her boyfriend later in that year. At the time she changed all her contact details to our address, however, they were all changed again when she…
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Should I feel good???
I made my last payment of £650 on my 0% cc. I've managed to pay off £2.5k since Feb. Infact I'm 1 month early paying it off. I'll be skint this month cause of the overpayment, but I don't care!! I feel so good about it! :j Now... just two student OD to go! :j :D K9
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Sharp practise?
I need some advice and hope people are not too hard on me as I am a new member. I have had serious debt problems for some time due mainly to the break up of a relationship. There are two main debts left at present both of which are owed amounts in the region of 4K. I am attempt to take stock of my position and plan for the…
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Can you help sort out this finacial mess ?
Hi I hope you can help I have been reading these boards and have plucked up the courage to see if you can help me and y other half. I hope you can. The problem mainly lies with my oh who at 35 will take no responsability for his finacial affairs, he is wasting so much money it is awful and we will have no furture if he…
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Ahh...it feels good :)
Well, I'm not debt free yet (not by a long way), but I'm also no longer an unemployed person :) It feels so good to not be on benefit any more! Yesterday I signed off benefit, and so did my husband. We are now self employed. On tax credits, but still, we are very slightly better off than we were on benefit, and the…
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Do you think there are any....
....users on this forum who HAVEN'T signed up for the free tips email? If so.... Sign up now, it's ace! :)
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Is anyone a CAP client?
i wondered if anyone here was a client of the charity Christians Against Poverty (CAP). They provide free debt-counselling services such as dealing with your creditors on your behalf to arrange for interest and charges to be stopped, and drawing up a budget. Basically because they are a big organisation and well-known,…
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new to dmp - are there any good HSBC/MBNA stories out there
Am about to make my first payment to CCCS for october, two of my many debts are with HSBC and MBNA. reading the threads on here they seem like the two very worst companies and i was wondering if any one had had a good experience with them at all --- am getting daily/hourly phone calls from them at the moment and i haven't…
