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Help with capquest
Hello All First time poster here. I had a letter recently from telogram saying they were trying to trace from from an address I lived in 6 and a half years ago. I've done a lot of googling and read posts here and with other sites. I haven't contacted these people. What I am worried about is their doorstep agents descending…
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Statement of Affairs
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1191 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1191 Monthly Expense Details…
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Pulling my hair out!! help/advise me!?
Hi all, Been mooching about on here and bit the bullet and got myself registered! We're in a bit of a pickle to say the least, between myself and my partner we owe around £15k plus the £40k mortgage. Now, we've been in contact with most of the debt collectors and some have been good others have been bad. We're in the…
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cut off time for creditors to get money off you
hi does anyone know how long it is before creditors cant demand money off you for old debts?:confused:
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Droops update
Rightio - have transferred all the bills to another account, have worked out how much needs to be put in every week. A bit annoyed that I shall spend money when I go to London next week, but hey, it's for my 50th birthday (which is not til May) and it's years since I've been out of Devon. Have got a laptop problem - screen…
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Help and advice needed, please.
Hi all, 1st time so please excuse any errors. I'm seriously in debt and really don't know what to do for the best. I don't sleep and dread the post coming or the phone ringing. My debts are: Credit cards £33,000 5 cards in total Bank loans £22,000 3 loans 2 yrs to run This is before the normal outgoing each month of…
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Have paid £8,000 but still owe the same!!!
Hello all, Ok, I may be having a very dense moment, but I just can't work out the maths. :confused: 5 years ago I took out a loan for £5,000. A year later, I upped it to £6,00. Another 6 months down the line, I extended it again to a loan of £11,000. Familiar tale anyone? :o During this whole time, I was making payments…
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London.. cheap?
Long before the debt worries, I booked coach tickets for my and my son's girlfriend, to go to London National Gallery for the day. It's next week. We're meeting up with some friends - none of us have a lot of money and I'm wondering how we can eat on the cheap, cheap? All of us are disabled (apart from son's girl), and…
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DMP pro's and con's????
Hello everyone!!! I currently have debts of £29,000 and even though I earn a reasonable salary its become a bit of 'rob Peter to pay Paul' situation!!I have an appointment with the CCCS tomorrow but I just wondered if someone could advise me of the pro's and con's of a DMP.I have never defaulted on a loan,or CC payment and…
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debt at my address - its not mine
Hi Opened my mail today and found a letter addressed to another lady at my address. She owes 3k, and Lloyds have passed to a debt collection agency Lowell portfolio who have appointed mackenzie hall to recover the outstanding balance. Phoned them and they said not to worry as they have updated their records. what more do I…
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feeling really down-seem to be working againt husband.
just wanted to get a bit of perspective as feeling extremely low and just don't know what to do. the majority of our debt is due to my husbands love of cars/racing etc, but the rest is due to me losing my job and not budgetting very well at all! (don't want to sound like i do not have any blame!) we are just setting up a…
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pap/moozies what have/will you spend today Monday 14th April 2008?
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a melodic Monday :)
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Advice needed on Dad's debt
Hi All My dad is 64 at the end of this year and if he is to be believed he will have just finished paying off his mortgage. He works self employed but has somehow managed to get himself into substantial debt. He has taken out a £10,000 loan for a woman who used him and left him with the loan after promising to pay the…
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Daily Chat Thread 14/04/08
Morning all - couldnt see a thread started so apologies if ive missed it! Just a quickie from me or I'm going to be late for work! Have an appointment with the paed tonight for DS so wish me luck. Hope everyone has a great day at work or play and I'll see you all later. Hugs for everyone x x x x x
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Blacklistings?
Hi , took the advice of the replies on here and paid off my daughters debt that was taken out at her Ex Boyfriends address in her name for him. It will be put down to experience hopefully. I am however concerned about the possible 'Blacklisting' for her at my address. This address was never in the equation (although the…
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Cc Agreements Results ?
Seems lots of people are now requesting copies of CC AGREEMENTS . Could anyone who has had the accounts dropped by the DCA please post details . Capquest returned one account back to OC two months ago ! Nothing heard since . Alleged debt £2600 please use my other thread for comments !
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Monday 14/04/08 What small dfw things have you done today??
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Required: Someone Important At Northern Rock
Hi Folks I'm on a DMP with Payplan, at present I am receiving constant harassment calls from Northern Rock. I sent them the harassment letter re "Administration Of Juctice Act 1970" 2 months ago by recorded delivery which has been signed for. As I say they are still calling me several times a day, I now want to send a…
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Recorded Delivery CCA Requests
Hi there, Over the past couple of months i have sent various creditors CCA request via recorded delivery. So far not had a response from two, however i have checked Royal Mail`s website and the letters have not been delivered for some reason. It is now coming close to the 42 day mark. do i need to resend my original…
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Basic CCA questions
I am soon to kick off a DMP with CCCA and looking on this forum I'm reading stuff about CCA and CCA letters. Trouble is it feels like I've come into the pub half way through a really interesting conversation at the bar and I can't catch up. From what I can gather, I need to write to my creditors asking for copies of our…
