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CCA request - what now?
One company whom I requested a copy of my cca, deed of assignment and statement still hasn't replied to my first letter request and just over 2 weeks have lapsed. What letter do I send them now? thanx guys
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British Credit Trust
Hello, could some one help me please, I had a car loan from BCT, I lost my job, the car was repossessed and sold at auction for about 1/4 of the loan, yet I could have got much more for it but they said I wasn't allowed to sell the car unless it was for the full outstanding amount of the loan plus interest. We had to…
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Thank-you
Thank-you to everyone for making us feel so welcome! Will post SOA soon ~ still sorting things out with Payplan. What is a sealed pot challenge please?:confused:
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TSC Credit Management letter - VIRGIN MEDIA T&C
-Sorry i posted this on another part of the forum but was advised to post here instead - i have just had a Final Notice letter through from TSC Credit Management informing me that i owe money and the creditor it names is Virgin Media T&C. i have had two separate letters through with two different account numbers on. the…
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Credit Scores?
Please help myself and my husband have been struggling to pay off 2 credit cards over the last 2 years, however we are now making regular payments how long will it take us for our credit scores to be acceptable or do we have to wait 6 years until we maybe able to apply for i.e a new car
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Broadband and New Car queries
Afternoon all, I've got a couple of questions: Firstly I was wondering if any of you had any advise about a good family car? I'm currently pregnant and told some friends that we had an Alfa 147 to which they all laughed hysterically :rotfl: and told me that for a child that kind of car is way too small! Do any of you have…
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Finally facing up to our debt - feel depressed!
Hi everyone I'm new to posting - 1st timer - have been looking at the website for a couple of weeks now and have finally realised that we need to face our serious problem or we could lose everything! I'm totally ashamed and embarrassed and dont think my husband realises how bad it is. So here goes, this is my SOA Mortgage…
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Don't know what to do to help?
OK, this is such a long story that I hope I do not bore anyone to tears, but I don’t know how to help my friend for the best and what to advise him to do. He met his currently girlfriend at our wedding. We had been friends with him for years and he is the nicest kindest man who would do anything for anyone. The girl he met…
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Newbies SOA
Hi have been lurking around here for about two weeks and have finally sat down and completed a SOA. I may have to correct this over time as I have never sat down and looked at where I am spending my money. I have also just realised I can currently only vaugely guestimate the balance on one of my cc due to spending this…
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New here- need some advice
Hi all new to this site so I hope I am posting in the proper forum. I need some advice- I am a student in my final year and I have built up some debt on credit cards (nearly £2000 :o ) I have always paid the minimum amount each month and I have made balance transfers to cards with 0% interest for 12 months..... but im just…
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Debt collect letters to my Mum's address for someone else
My dear mother has been recieving letter from debt collectors chasing someone who has never lived at her address. On one occasion, the Inland Revenue also wrote to her address chasing self assessment payments from this person. Do I have to deal with each letter as they come through or should I alert authorities? There have…
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CCA request question
I wrote to two creditors in August '07 asking for CCA details and heard nothing back. I wrote again in November, telling them the 12+2+30 deadlines had passed. I had a letter yesterday from a DCA saying they had just received the request from the card company and would either get a copy of the original or a "copy of the…
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Bingo - sorry!!
Hi All I have noticed a couple of threads referring to making money through bingo, could someone please let me know what this is, and where I might find the thread that it expalins it all Thanks. Mel x
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My Money Just Seems to Disappear. Here's my SOA
Hiya all, I have noticed that our disposable income seems to be frittering away but we don't seem to be living lavishsly or anything. I'm on a DMP and have been for almost 2 years and it is in my name and OH's income is not taken into account. I will be increasing this £100 in Apr. Grateful if you could all cast your…
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in shock
Just had a call from credit company, I've been paying them £90 a month on agreement for last 5 months or so, I kept asking them to freeze interest, they wouldn't as what i was paying was paying them some interest so they wouldn't freeze it. today they called me about the arrangement, a quick SOA, rent,utilities,council…
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Barclaycard and Mercers, Is this right?
Hi 1st post! I had the joy of loosing my business at the end of 2007, which caused the collapse of my already fragile personal finances. I have been able to get 'manage' the my personal creditors to date, following advice from national debtline. I do however question what Barclaycard / Mercers have put in place. I wrote to…
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Starting CCCS - worried about mortgage
My Mum is just starting with CCCS, she has more or less everything sorted. She has an overdraft with her bank, Abbey and is regularly in this overdraft. CCCS want her to open a new bank account and treat Abbey overdraft as a debt and have it paid off. This is fine, except her mortgage is with the Abbey and she doesn't want…
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car finance
hi all, hope someone can help me on this. my son purchased a car on finance 5 months ago, payments of approx £130 per month. he has since lost his job and is really struggling to meet the repayments. does anyone know of any way he could get out of this agreement as it is making him very depressed? thanks in advance, pat
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Pap/Moozies What have/will you spend Sunday 24th February??
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a good and peaceful Sunday :) , and enjoy the roast
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Pap/Moozies What have/will you spend Sunday February 24th?
Good Morning Gang:D Feeling full of the joys of spring today!! A bit of shopping to do just a few bits for school lunchboxes, all budgetted, I'm going to miss my little babies:o Will be Bingoing again today:p I actually quite enjoy it, glad I'm not playing with my money though, I get annoyed enough losing the free…
