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Mackenzie hall quick Q .....
Having recieved 1 letter from them and a calling card requiring me to ring urgent! ... I did print out the letter but ive yet to send it i suppose panicking about it working and burying head in sand ! (thats me all over) ......... Ive now recieved somthing else ........ its 1 peice of paper with the tear away strip around…
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Sneaky credit card practices...
Put this down to an admin error, but the more I think about it... I had a '0% on purchases until end of december 2007' offer sent through by MINT about six months ago so I took advantage of it. Been spending on the card, paying off the minimum payment of £5 a month, and have been putting the money aside into a savings…
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A New Job in the New Year - Advice Please
Hello everyone, I am so pleased that after 2 years of searching I have finally got a full time job offer and I start in the new year. A fresh start, finally I can start to make a plan and clear my debts. BUT I want some advice... I have managed to get the interest frozen on some of my accounts with a lower pro-rata…
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mackenzie hall again-possible result??
hi again after sending my letter weeks ago and the panic last week of the mandate asking for money, i have had a letter today from mh stating the following: we refer to your letter dated***** november. we have contacted our clients for a copy of your agreement and statement of account. your account is currently on hold.…
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Help with some balance transfers please
Current cards: HSBC £2400.95 Egg £0 (limit £3k) MBNA £2294.73 HSBC's 3.9% ends this month, MBNA is on 3.9% and ends in March. Both HSBC and MBNA have offered us 3.9% on balance transfers until May, so can I transfer the balances to Egg and swap them over (changing the amounts a little)? I can't get my head around the steps…
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Car Finance charges-Help Needed!!!
HI I bought my car through Close Motor Finance almost 4 years ago. In January my agreement was due to finish. I have just phoned them for the final date and been told I still owe £1200 in late payment charges :eek: I fell behind with payments a couple of years ago and despite repeatedly contacting them to try an make…
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Debt free in 3 years?
Do you think its likely to be able to get debt free in 3 years if you have these debts: £13000 and I pay £450 a month bak to them?? Thanks guys- trying to get back in control of my life and stop worrying about what I owe and how I can afford to eat!!
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Capital One Contact details
Please Help Me! This is driving me mad... does anyone have a telephone number for Capital One in England? i.e. not a call centre number? Ive sent them a letter recorded in October which has been signed for but ive had no reply and ive just called them and the person i spoke to didnt know what they were talking about and…
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Daily Chat Thread 26th November
Morning all... hope everyone is well this morning. I'm exhausted.. had possibly the worst night EVER with the girls. They woke each other up about 1am and then it was literally a case of up/down/up/down/up/down ALL night. Absolutely shattered and not impressed.. and because of that Ste has given me my xmas prssie early..…
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debt management company not doing job what should i do
my sil employed a dmc to help her with debt think she was misold this help in the first place but suppose when you panic if it sounds like the answer you go for it can we do anything with that??? anyhow cos they not doing the job ccj is now turning into a claim on the house didnt have the ccj before the dmc were involved…
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Reformed shopaholic??
Hi guys. I posted my first few replies/threads last week so I want to keep it up as it seems to help. I HAVE MANAGED A NO SPEND WEEKEND!!! Not one penny! No shopping, no spending, nothing! And it wasn't actually that bad! In fact the best bit was the lack of the guilt associated with spending when I'm in debt, that stress…
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what have/will you spend monday 26th november?
morning all hope we are all well and looking forward to a new week :rolleyes: hope its not to cold where you are and you are all well. Have a lovely day even if you are at work :o and remember if you have to spend 'keep it low' :D
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Capquest, SRJ etc... for Natwest default overdraft
OK, so I defaulted on an overdraft of £2K and had the account passed over to Capquest. A quick googling and I got to learn what a dodgy lot they were, especially after they threatened that I had to pay 'by saturday' when i called on a tuesday, and 'can't we assume someone else would give you the money?' So cue the template…
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Long time no see
Hello all, I haven't posted for a while due to new job and getting used to the shift work, and worst of all, another debt of over £3k coming and biting us on the !!!!. :mad: However, I have got it back under control now, we are dealing with *all* our debts (I really do hope it's all, I'm so fed up of finding new ones Mr…
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DIARY - Link Financial - Car & Barclaycard TOTAL £9400 outstanding
Well, Hello to everyone hope you can help me with this Please bear in mind im not on the electoral roll and I have never had my name down on a property and im 22, and that I was working for a period of 3 months when I took the car on HP then I was not working and on £45 a week JSA, when I had the car I was stupid and had…
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Sell house to clear debts and 2nd mortgage?
Dear all, I am desperate for advice having fallen into extreme debt over the last few years. Here is my situation: I bought my mother's house five years ago and took out a fifteen year mortgage on it. At that time, I was still living there and still paying off debts accrued from my student days. When I started to get on…
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Does having 2 current accounts have a negative affect on my credit rating?
Hi All, At the moment I have a current account with HSBC and Smile. The HSBC account is the one I live off and the Smile account is not being used at the moment. I'm wondering if it has a negative affect on my rating having 2 accounts and if I should just close the Smile account. Best Regards
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CCJ-unfair judgement-HELP
Hi I have unfortunately had my judgement returned from the court for FULL payment of my oustanding debt of £17k from a credit card company (£2.5k solicitor's fees). I am completely floored because my I&E on the admission form showed my to have only a few spare pounds left at the end of the month and that I am in arrears…
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Credit Checking
Hi, I'm not sure if this is the correct thread to post in, but hopefully someone will be able to help. I would like to check my credit reports and view all my spending, the question is out of these 3, who is the best? - Check My File: This seems good as it has 3 agencies data and is reasonably priced. - Experian: This is a…
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Bank Charges
Hello everyone, just been having a paperwork sort out, and came across the letters i have sent asking for bank charges to be returned, 3 banks and they all say things are on hold, waiting for the test case. does anyone know when this will be or whats happening. thanks Sally
