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catalogue and dca's
Hi, help please. catalogue defaulted on my request for credit agreement in Feb. Since then they have sent details to the lovely moorcroft who have threatened court etc - but no credit agreement. I haven't received statements since October from catalogue and so actual amount of debt isn't known - with them adding extra…
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How much do you spend on holiday? I'M BACK AND I DID IT!!!!
I'm going away for a fortnight soon, (very dfw in our tourer and in this country), trying to be realistic about the spending money but have never been very good and we never seem to have enough - in the past were always able to rely on the cc for back up hence where I am now!!! There are 5 (2 adults, 2 teenagers and 1…
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Credit Card - Full & Final Settlement
I would be very grateful if anyone could help me please. After getting into desparate financial straights I have remortgaged my house for the maximum possible in order to clear outstanding balances on my credit cards. Unfortunately this will still leave me with approximately £7,000 outstanding on the cards, it has been…
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Duplicated Defaults On Credit Files
First post hope it is in the right forum. Having checked my credit file i find that Barclaycard and Capital One have both defaulted me. Also the DCA's involved have also both defaulted me hence i have duplicated entries. I understand that i can only be defaulted once for each account. I have sent CCA requests to both DCA…
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Help needed!
Brand new to the site, just wanted some advice if anyone has any! I am at a crossroads, Unfortunately I have just wriiten my car off which I was paying a finance company around £230 for the next 4 years. My insurance has paid out to the street value of the car which is £5200. This obviously leaves a large amount of finance…
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What can I do - advise needed.
Hi - first post. I regulary brouse the forums but never thought I would be posting! My wife came home on Friday and told me that she was in debt but would not tell me the figure as I would go mad but she warned it was over £10K. Eventually she confessed that it was actually £37k. This has come as a huge surprise as I pay…
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What can I do - advise needed.
Hi - first post. I regulary brouse the forums but never thought I would be posting! My wife came home on Friday and told me that she was in debt but would not tell me the figure as I would go mad but she warned it was over £10K. Eventually she confessed that it was actually £37k. This has come as a huge surprise as I pay…
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hmmm should I?
I have been putting this off for ever since I moved in with my partner in March. We are currently buying a house together so things must be serious :eek: Anyway my reason for this post is when I moved in with him we doubled up on various DVDs and CDs and been toying with the idea of selling what we have doubled up on, but…
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Being rejected for everything due to credit!
Hi all, I'm wondering if anyone has any experience in sorting out your credit report? I've contacted Experian and they say they've cleared the problem, but I'm getting rejected for loans all over the place (the loans are for consolidation, wedding and other stuff but keeping my monthly repayment down!). About 2 years ago,…
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The sun is up the sky is blue. Theres not a ...
...cloud to spoil the view and I'm happy, happy in my heart. OK I may have the biggest debt in the world and the prospect of buying only from the sell by today counter and driving the same battered car for the next twelve years but on the plus side, * No creditor has hassled me for several weeks * I am back with my family…
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Need your opinions :0) please...
I need to write to all of our creditors and obtain a current outstanding balance and information on any interest charges... as the silly Debt company who were dealing with all this haven't done there jobs and now I don't know whats going on.... so I have drafted the following..... Thank you for accepting our monthly…
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Final Payment Reminders + Other Problems.
Hi all My debit card was skimmed a few days ago, meaning my rental payments which are due tomorrow cannot now be paid. I'm in the process of having them recovered, but obviously this will take time with the bank, whilst they investigate. Anyway, long story short, I've got to pay my electricity bill which I've been putting…
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Have any DFWs claimed charges back from Halifax CC?
Hi Guys I know this should strictly be on the bank charges thread, but I have put it here as well as I know how helpful everyone is on here! Was wondering if any DFWs had claimed back charges from Halifax Credit Cards at all? Am about to request my statements, and I don't know who to make my £10 DPA cheque payable to.…
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late payment charge!
I would appreciate help with this. Are catalogues (namely Empire stores) entitled to add £15 late payment charge? A cheque on two occasions seems to have gone astray and i have had £30 late payment charges added to my account. I am far from happy with this and just wondered what anyone would advise. I am writing to the…
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late payment charge!
I would appreciate help with this. Are catalogues (namely Empire stores) entitled to add £15 late payment charge? A cheque on two occasions seems to have gone astray and i have had £30 late payment charges added to my account. I am far from happy with this and just wondered what anyone would advise. I am writing to the…
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Debt free challenge
Hi everyone, This is a quick check because I spent 30 mins typing up my full debt story and incomings and outgoings only to lose it all when I tried to submit the thread....:mad: I don't have time to do it again now so am just chekcing this works.... I'll update again later.... Ali
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How often do you use a cash machine/get cashback?
Currently working on our budget and things we pay with cards for is fine but cash is a problem - have been putting off spending diarys for a while but think August is our month. At the moment we both get cash out our joint account when we need it, sometimes one of us will get more out and give the other some and sometimes…
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We Keep Changing Our Minds
We had decided a month or so ago that we were going to save to do up the house and put the debts on semi hold. However, this month we have had a bit of a scare with regards to OH's job. Everything is ok but it has forced us to rethink and now the debt repayments are very much on. I have used the little we had saved (£860)…
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Thread on part time Self emplyed jobs?
I know I'm not going mad - I definately remember reading a thread that people had suggested ideas for some part time income working from home - it included ironing, babysitting, surveys etc.. Does anyone know where I can find it, I have tried searching and found several but not the one I was looking for and I'm (almost)s…
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foiled! By the post office....
Just popped out to the post office to pay the final instalment on one of my debts, looking forward to that really nice sense of achievement for paying it off. but no! post office closed. til next week. i'll have to go to the one in town later, and pay to park. booo hiss.