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Urgent, please help..
Hi everyone, I've been away for a few weeks with work, and just come home to find an unwelcome letter... A previous employer of mine has instructed a debt collection agency-Controlaccount Credit Management-to commence litigation an obtain a judgement against me for the sum of £638.18. I worked for them about three years…
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CCA question
I went to the CAB today to drop off my debt pack and they photocopied my bank statement and everything. I still want to try and get my CCA from my creditors but as my debts are now in the hands of the CAB, should I try and get my CCA from them or should I let the CAB do it? Also, I haven't paid anything on my Provident…
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Charging Orders...
Has anyone been to court and stopped a CO being put on your Home! CQ
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Think I might have knackered my credit rating - help!
Ok, I'm new to these forums so please bear with me. At the moment I currently have £3900 personal loan, £2350 with HSBC Credit card and £3350 with Mint credit card. The mint card is hurting me the most so want to get rid of that. I've always been a transfer tart but I've just knackered that up by being rejected for a…
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Family Holiday - in the dog house!
Hi I would be interested in finding out whether people think i'm being unreasonable. For my dad's 60th birthday I agreed to go in on a family holiday, by this I was expecting something similar what i'd done for my mum's (yr before) Centre Parks costing approx £270 for partner/me and my bit towards my mum and dad (they're…
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Sending requests etc by Recorded Delivery
Hi Folks, Just a thought. I have read on here how DCA'a copy your signature if you signed your letter. When you post a letter via Recorded Delivery, fair enough there will be proof of posting it to the address and perhaps a signature BUT has any one come across a situation where by they have rejected the contents?? After…
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nicnacnooooooooo
eveing all, :j Thought i would join in and give you my SOA so you could maybe help me out somewhere.. Im in 'good' debt :rotfl: i think, ive not got people chasing me, not got credit cards, all my bills are paid on time, just want some help so i can raise some money to pay the 'good' debts off quicker, plus i need the…
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Is This Bull / Wescott
We have received this letter and according to Wescott they can skip the court and just call around and recover goods. This is what it says UNDER THE TERMS OF THE OFFICE OF FAIR TRADING IN DEBT COLLECTION GUIDANCE WE HAVE A DUTY TO INFORM YOU THAT THE NEXT ACTION WESCOTT WILL TAKE IS TO PASS YOUR CASE TO A DOOR TO DOOR DEBT…
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My Income And Expenditure Help!!
Following this http://forums.moneysavingexpert.com/showthread.html?t=748405&highlight=NIRELANDGUY post I have posted my Income and Expenditure, Hopefully someone can help. Income My Pay 1.022 Partner 346 Child /B 130 Child Tax 265 Total 1.763 Expense Rent 480 Electricty 40 Telephone 40 Internet 25 Oil 100 Sky 20 Car…
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some advice please , feeling sad
Im in a lot of debt :o it all dawned on me in bed at 2am last night and i feel physically sick I have a mortgage with my 2 brothers and my sister, so 4 of us on the mortgage last summer my sister lost her job and with interest rate rises things got hard. my current mortgage is £183000 and a secured loan of £17000 Last…
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Need your help- letter from DCA on an old debt
Ok many moons ago I had a lloyds account with an overdraft, Ive not used this account for over 6 years. When I moved house October 02 I never got around to telling them I moved. Actually in fact I made an appt to see bank once I had moved, had to phone them and get appt couldn't just drop in. When I went into branch they…
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I wanna be debt free.
Not sure if this is the right place to post this? I apologise if it's not. Reading a few of the other posts in here about how much people owe, I don't feel so bad now! But i still owe money to people, so I really would like help to make my monthly payments better. Basically I have a 5 year £8000 loan with Abbey with…
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saturday night party ~ roll over from friday ~ mse's 5 years old
Happy Birthday mse... and here is a toast to all the lives you have touched so far
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Can debt collection agency charge on top ?
Hi all in short my OH went to the dentist and the bill was a little more than she had on her , she was going to pay the balance when she goes back next , which was in april....her dentist have instruted a debt collection ageny to collect the payment ! The amount owing was only £20 , she thought , but the debt people are…
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back to square one what is the point????
Hi everyone, I am having a realy bad week. To cut a long story short, we got in debt after i accidently fell pregnant went on maternity and had triplets. I gave up my job as childcare was just too expensive for 3 babies. We survived on credit cards etc and financially got in a right mess. We currently owe around £38,000…
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No Money to pay my debts
Hi, I have a seriouse problem, I had to move because of a seriouse problem with neighbours, however I now cant find a job and I owe 7000 on cards and catalogues with a minimum monthly payment of 600, what can I do, Iv tried to find a job but I can get one I would really appreciate any help im now a month behind with the…
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Advice on c.a.r.s please!!
i got a letter this morning saying they were taking further action to get the £20 i owe them, but i paid them late september/early october and have a payment id (paid online). i called them and spoke to someone who spoke to me in the most patronising tone, who said lovefilm (who they're chasing the debt for) who said 2…
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sorry everybody. put duplicate posting on by mistake
sorry everybody. put duplicate posting on by mistake. theres always one isnt there and unfortunately its usually me.
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Debit
First time poster. Hi everybody. Has anybody else found themselves in a predicament such as mine, and been able to extricate themselves? Estranged wife set up an an internet account with her debit card, this arrangement was against our joint account. This debit card expired shortly after the transaction. Internet company…
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DCA CCA Request
Hi I am in the process of request CCA's from some of my DH's creditors and we received the following response from one of them today, could anyone please give me some advice as to whether this is true or not?..... "We are not the original creditor and did not provide you with the original credit facility. We purchased your…
