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Need help telecom plus sold a disputed debt to a DCA
Hello everybody Got a letter from a agency called 1st Credit today. It is for an £88.19 pence debt to Telecom Plus. I had complained about having no service whatsoever from them as our router never arrived, at no time could we connect to the internet. I tried to escalate the dispute to a complaint and heard nothing back…
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can I get ccj removed ?
A very close friend of mine has a recent ccj,I dont know what for maybe electricity or parking fine,not sure. My friend has paid this debt a bout just over a month after it was issued. Is it possible to get it removed ?.
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Planning for Children
Hopefully people won’t mind me putting my prospective SOA for when we have a child. I have just given up the pill and we are seeing what happens. We figured that if we waited till we could “afford” children, we would be waiting forever, so just wondered if anyone could help with my SOA so that we can afford getting into…
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DFD dragging their feet.....
Hi all A little while ago I posted a thread on the forum about my failing IVA with Debt Free Direct. For the last 4 months I have been paying them what I can afford, not the amount which was agreed originally. I have sent DFD letters updating them on my situation. All I keep getting in reply is 'if you don't pay the full…
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Time retail Finance & Robinson Way
I have just tried to post but after 15 mins typing I pressed submit and it wouldn't do it and all my hard work disappeared!!!! Here goes again. Background: Comet Time Card opened around 1995/96 balance paid monthly until Oct 1998 when entered into an agreement with DMC ( Eurodebt I think) we paid them their fee and were…
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Please welcome my little brother!!!
Hey guys.... I got my brother to join up here... hoping you lovely, clever peeps can give him some advice! He'll be along any minute now! xoxox LP
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Help
Hi all Posted an soa a while ago and got some helpful hints. Partner got sacked yesterday and he is the major wage earner. so now i only have 950 a month income until he finds work. my mortgage alone is 695. Any advice as to what i should do before it all goes bad debt wise?? ty xx
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Told cannot cancel PPI
Is this right, i cannot cancel PPI?? Payplan instructed to me to cancel all PPI i have before going ahead with a DMP with them. It's a joint DMP and most of my partners creditors have cancelled his PPI anyway because of him making lower token payments. However my loan with Lloydstsb will not cancel my PPI. I rang up…
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New year
Well the new year is approaching and I have been thinking about whether realistically I could clear my £6k of unsecured debt by Christmas 08. I am pretty sure I can if I keep plugging away at it so wondered if anyone else had a goal set for next year??
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IVA advice
here goes suspended respossession order yesterday 56 days to go i need advice with what to do next not on my SOA my misunderstanding of that term sorry bout that options as i see them quick sell rent back [loose money but i dont have the money anyway the house has not equity and i owe much more that its worth] they will…
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Lowell Portfolio
managed to sort it
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Capquest call out of the blue???
I just had a phone call from a company called Capquest - I've read on here how dodgy they are. I did have some debts a few years ago that are all settled and this has now thrown me. The chap started immediately by asking for security details, to which refused to answer. I told him I had no idea who he or his company were…
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dont know what to do
Hi all Here is my Soa hope you can help Mortgage £775 16 years to go 6.25% Secured loan £575 (12%)GOt 9 years to go Halifax Loan £200 12 months left Abbey Loan £135 18 months left Black Horse Car Loan £230 4years left Barclaycard £60 £2000 balance Halifax visa £35 £1350 balance HALIFAX|ONE VISA £30 £1400 balance Capital…
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It's getting worse - How do i get a Credit Agreement
Ok, things have been going badly for me this week. Then yesterday i went to visit my sister(where i used to live) There was a pile of post for me. The was usual junk but also letters from HFC bank. They said i had not paid and my account is in arrears. I phoned them when i got back home. I gave them the account number of…
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Daily Chat thread Friday (woo!) 16th Nov
:dance::beer: :dance::beer: :dance: Hurraaaaaaaaaaay it's nearly the weekend! :T:T:T:T:T Anyone got any nice plans?? I'm working tomorrow and have band practice on sunday but other than that I will be sitting on my lazy a*se doing nowt! Well.. that's the plan anyway.. if the kids let me... ;)
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What will you spend, 16th November 2007.
Morning all . Should be a NS Friday :rolleyes:. I do hope everyone has a fantastic Friday. Take care all :)
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Been awake since 3am .............
Initially got up to go to the loo - got frostbite - its freezing - got back in bed but too cold to go to sleep - DH snoring away. Then my mind came to life and started thinking that today we are paying off £900 on the credit card and then the balance will be ZERO !!!!! very excited - that just leaves £2000 to pay back to…
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My SOA
Hi, I know I dont have much debt compared to many people here but I would appreciate your advice as we are about to take a big drop in income. My income:1500 OH income: 1650 Expenditure: Mortgage: 1400 Council tax: 85 (over 12 months) Insurance:12 (contents only buildings paid up to May) Elec: 40 Gas: 30 Gym: 32 Food: 200…
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extraincome
Hi all i need about £400 per month extra income any ideas anyone I have read about quidco and such but do not understand it. Can anyone enlighten me?
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Reduced payment agreement
Hi, My husband and I went to Payplan 2 years ago and they organised reduced payment plans with all our creditors and had all of the interest stopped on the debts. Or so we thought. We left payplan after they stuffed up several details of our debts and took on the agreements ourselves. 18 months ago my husabnd went bankrupt…
