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For all you Eggers...
They've cracked, and are now scrambling for cover.
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Cant see any hope!
I know this is going to sound pathetic and melodramatic but my debt problems have got me so low and i just want to give up fighting back full stop. I just dont know how to get out of this mess. Have a house worth 165k with 88k mortgage and 53k second charge with Nemo. Overdraft of 2500 loan with bank of 11500 (9500…
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Lloyds have increased my overdraft
Just logged onto my 'old' lloydstsb bank account, i no longer use it for everyday banking, but the overdraft is included in my DMP. Anyway, just wanted to check it to see if my payment to payplan had reached this creditor and also see if they still charged me the £46.46 in interest and the £215 in unplanned OD fees....yep…
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HELP needed with mistakes on credit score
Hi everyone, first time here so go easy on me. I got about 17,000 debt. I have been spending wisely and recently i decided to swap my credit card debt to another card with 0% for 12 months but it got refused. I didnt try again to get any more but then the next day i got a letter from Egg card saying they were going to…
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Mackenzie Hall
I HAVE POSTED ON A ANOTHER THREAD. SO I HOPE YOU CAN FIND MY QUESTION HAD ANOTHER LETTER FROM MH TODAY OUTLINING WHO DEBT WAS WITH ACCOUNT NUMBER AND AMOUNT. PAYABLE IN 7 DAYS. THEY ALSO SAID TO MAKE PAYMENT PAYABLE TO CABOT FINANCIAL (NOT mh) WHAT SHOULD I DO? CABOT APPARENTLY TOOK OVER MY DEBT WHICH I HAD. ANY IDEAS. IS…
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problems with ann summers
they sent me a letter saying i owe about £600 but said nothing about the kit they gave me, the debt has been passed onto another company, should i just sell the kit to pay off the debt??
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Debt Managers Limited/Data Protection Act ...
Hi :p May I apologise in advance for the length of this post ... I took a loan out with Cahoot several years ago. I moved in with my partner little over a year ago and at the time he wasn't working and his job seekers allowance was stopped as he was living with me so we therefore only had my wage to live on (approx £900…
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Selling Jewellery
Probably not the place to post this but I have a diamond 18 ct white gold engagement ring but I am unsure where to sell it? I have looked on ebay, but i doubt it would sell. Anyone know any websites/places i could sell it (i live in Kent)? I know there is a jewellers in the town, and they will offer me around £50 for it.…
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DFW Daily Chat Thread Saturday 2 February
Hope nobody is snowed in! Beautiful day here with lovely blue skies and sunshine. Woke up feeling quite rough. Bit of a head cold and a bit of a 'swimmy' feeling. Working on AQA - have to earn the pennies I'm afraid. What's everyone else up to?
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Wow
well my gas bill the £215 one that was for the gas and electric for the quater, i dunno how cheap that is or even if it is cheap but i normally pay alot more, well thats a big weight off my mind and my new bank account is now open YAY just waiting for my pack of the cccs its getiing easier each day rather than harder,…
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Companies reclaiming old debt? Info please!!??
Hi, My other half had a credit card debt, before we met about 8 and a half years ago. At the time, on the advice of the CAB, he contacted the bank to offer to pay back the debt monthly. They never replied and we have not heard anything since, until this month when a debt collecting agency sent a letter asking for the debt…
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Help
I had worked out that we would have enough money this month to cover all our bills. My husband is currently out of work and has been claiming JSA. The money we were using for this month's bills was the last of our savings. He was overdrawn on his account and now the bank have told him that his JSA is enough to cover his…
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How to close accounts?
Hi This may seem like a really silly question, I've tried searching but didn't get anything relevent. How do I close credit accounts with no debt on them? I've got an Evans card, Mothercare card, HSBC CC and an Additions Direct Catalogue Account that have all been paid. Is there a template letter anywhere I can use? Or can…
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Urgent please can anyone help - court looms?
Hi please can anyone advise me, i was issued with a statutory demand for Bankruptcy for a debt of £6144.10 even though i advised connaught collections that i would be able to pay in January, court date set for this coming Tuesday, but on Wednesday my OH contacted them and said he had funds to pay and would they stop the…
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DCA Marlin/Mortimer Clarke solicitors help plz
hi all, ive had letters from marlin recoveries, whom have bought a CC debt. i request my CCA last week and put in a token payment, so far not heard from them regarding it. just got a letter from mortimer clarke solicitors. they require the amount in full in 7 days, and if not made are taking us to court. im a bit !!!!!!…
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Switch overdraft to 0% credit card?
My credit card company have sent me some cheques to use to transfer balances from other places at a rate of 0% until January 2009 statement. I have an overdraft of £300, which I pay £5 a month to use. I currently have approximately £3,800 on the card. I try and pay over the minimum payment and managed to pay £120 last…
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What do you think?
Hi everyone, as previously posted I have spoken to cccs about my debts of 18k. :o 15k total left on a 7% loan with A & L. Monthly - £299 3k on a cc 0% with M&s - Monthly - £70 I have £130 per month left over to pay these and while I was advised to split the money between them I wonder if its best to pay in full on the cc…
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EGG Credit Cards
Did you hear on the news this morning that Egg are cancelling I think 160,000 credit card agreements? Fortunately don't have one myself, but I feel for those who have poor credit ratings and an Egg card. Does anyone know any more about it? CS
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Advice/Opinions?
ok, my Mum has £10k debts. She has been with Sterling green for 1yr (who have been pretty awful) and is in the process of going with CCCS dmp. We were chatting last night and she said its such a shame she just can't re-mrtgage and pay the debts off. She is certain the Abbey won't do this because of her current finance…
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Bank Overdraft CCA Agreement
I'm recall reading somewhere that the laws regarding requesting the original credit agreement applies to bank overdrafts? Can someone clarify this please?
