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Can't cope with this worry
Hello everyone, I'm quite new here and really need some advice if possible. Firstly, I'm sorry that my problems are quite trivial compared to many of the people posting here - I hope someone may be able to help me all the same! Basically, the reason for my problems is that I've suffered with fairly severe depression on and…
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Defaulted account
I have a debt that defaulted 24/02/02 and recieved a letter yesterday asking for the payment. Can they still ask for this i thought if it is 6 or more years after the default thay can no longer chase for this??
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CCA - Where do I start?
Hello, new to this site and need a bit of help please. I was approached by a company willing to act for my husband to get rid of his barclaycard as the agreement was signed before Sept 2007 and deemed unenforceable. They were going to charge £495 quid so thought we would approach it ourselves. Just printed off first letter…
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A letter from a debt collector - help please!!
I've recieved a letter from a Debt collction agency called ECI referring to an outstanding debt from Cabot Financial. It states they have been instructed by a client to collect a debt of £861.98 which has been outstanding for some time and must now be paid. I haven't had a credit card in years and all my debt is contained…
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Is taking money without authorisation legal?
I have a question I hope someone will be able to answer!!! I am in debt with a Halifax credit card; the debt has been passed to a debt-collecting agency. I have tried to set up payment plans, but they have not replied to my letters. BUT on two occasions, January and April they have helped themselves to £300.00 and £598.00…
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Cabot DCA
I have a debt Cabot claim to have bought. I wrote to them and told them, that until I get written confirmation from the original creditor, I would not make any payments to them, this they were ok with. I wrote to the original creditor, but they failed to answer my letter. So I CCA'd Cabot as if they can come up with that…
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Can anyone help with Luxembourg law
I have found myself in a difficult situation and wondered if anyone has any helpful advise on what to do about it. My husband worked in Luxembourg for 6 months and whilst he was there alone, he had to open a Luxembourg bank account for his wages to be paid into. However, my very foolish husband also accepted the credit…
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House May Be Repossessed If Something Isn't Done Soon
Hi, Looks like we're going to lose the house; over the past 15 years or so (I'm 52) I've accrued debts of ~£600,000, by living off credit. ~£170,000 of this was paid off about 4 years ago when I sold my flat (which was previously a Buy to Let investment) for ~£180,000, leaving £420,000 to pay off. I haven't had much income…
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Urgent advice on MCS Ltd Please
Hi thanks for taking a look at this. I provide all detail necessary but really there are only 9 points in 9 paragraphs. Allow me to briefly provide all the background and info that will put this regretful situation into context. I have been dealing with MCS for 8 months on two accounts. One has 1 and a half K outstanding…
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transcash payment to CCCS - How much does it cost?
Hi All, I've finally taken the plunge and set up a DMP with CCCS. I understand that I need to make the first payment in cash using the Post Office and the 'transcash system' ???? - Can anybody tell me how much this costs please? I need to pay £768 to them and don't have very many extra spare pennies
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Southern Electric messing up credit rating!
Mark on credit file removed!
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Any helpful advise?
I have found myself in a difficult situation and wondered if anyone has any helpful advise on what to do about it. My husband worked in Luxembourg for 6 months and whilst he was there alone, he had to open a Luxembourg bank account for his wages to be paid into. However, my very foolish husband also accepted the credit…
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bank loan to repay debts
My wife and I are looking to reduce our monthly outgoings so we can save for a deposit on a house. Currently we are paying out more than £600 a month on four credit cards and a bank loan. Should we take out a new loan to cover these?
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Money paid into my bank in error?
Money paid into my bank in error? When i split with my partner, my kids were 10 and 11 and he promised that when he eventually did find a job he would pay me some maintenance in a lump sum so i gave him an old empty account number that i didnt use. were on speaking terms until 2 years ago when he had a child with someone…
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Anyone Done An Iva Through Payplan?
I'm in a DMP with Payplan, but would be interested to hear if anyones done an IVA through them.
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Need a chart??
Hi and good morning all DFWs! I have been looking on the web for some site that will allow me to print out a sheet of paper with 7000 squares on it? i know it sounds a little random but i want to put it on my fridge and be able to colour in one every time i have paid £1 off my debt? Any ideas?
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Change Of IVA Provider
Hi, I entered into an IVA in august 06 with Debtmatters and everything has gone fine. However i have now recieved a letter saying they are no longer handling my IVA and it has been transferred to a different company, Grant Thornton. Has anyone heard of these people ? They have rung me a few times but wont explain what is…
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Got A Route Out Of Debt Advice Please?
We have been lucky, we have about £20K of debt, a family member has gave/loaned us £15K, they say they don't want it back but still. Anyway what is the best way of distributing this among our creditors? We where going to pay our car off first which is on HP, that eats about £8K, then there was a tax credit overpayments…
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DFW Chat Sunday 27 April
morning all! How's everyone? It's getting very, very dark here :eek: I think it might chuck it down and yesterday the ex phoned and asked if he could take the dog twice yesterday if I did twice today? I thought nothing of it, he must be doing something today, but I reckon I'll be getting wet today - twice!! :eek:
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Sunday 27/04/08 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…
