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On the subject of DCA's
As some of you know I have my own business (ltd co) that i run from home with my OH. We have recently recieved a letter from a well known DCA based in Kilmarnock offering to purchase and 'bad' business debts we may have owed to us for between 5p and 15p per £ owed. The letter then goes on and on about current financial…
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aggghhh i cant find the things you didnt think would sell on ebay thread!can you....
just as the title says i cant find that thread on things you didnt think would sell on ebay, and i want it now to give me some inspiration!!!can anyone assist me i think my flu temperature is killing off my brain cells!
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Feeling very silly offering such a small amount!
I have got a letter sorted for my Creditors reads like this.... Now i was going to start of with offering 30% to them all. can anyone help with previous experiences with the same people. ( i have also but the amounts owed + what the 30% is equal to) Barclays (currently selling my debt) - Owed - £1010.17 : 30% = £303.05 CL…
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One thing on top of another!
I posted a while ago and put up my SOA, took people's advice and contacted CCCS. They came up with a DMP where I would pay £210 instead of the over £800 I was trying (and failing) to pay. All good so far, BUT...* I signed the CCCS paperwork two weeks ago and sent it back along with my payslip, bills etc but haven't heard…
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Form letter to dispute debt?
Hi people, Not sure if this is the right forum but I'm sure one of you guys will point me in the right direction if it isn't. Thanks in advance. I got a rather alarming letter from a HA yesterday. It's dated 27/5/2008 and tells me that I owe them £500, if I don't pay within seven days they will take further action to…
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Daily Chat:Last Day of May! 31/05/08
Welcome all to the last day of May...:j Today I are mostly be gardening...I have rented a goat and will attempt to make headways with the Bunny Meadow...wish me luck!:o If you don't hear from me in 3 hours, send a search party...please!:D
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Virgin Credit Card Payment @ Co-op Bank
I posted this on the CC board but thought someone here might be able to help! Hi, Wonder if someone could help. If I made a payment to my virgin credit card today at the bank on the payment slip i.e. the co-op. Would the money instantly be shown as received at Virgin's end as the payment was made at the bank they use…
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7yr old council tax
sorry if this is in the wrong forum!! I'm currently helping my boyfriend sort out his finances, yesterday he got home and he'd received a council tax bill from 7 years ago. Bit of a stupid question but does he still have to pay it or can it be written off after so many years if he hasn't acknowledged it ( sorry i'm…
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Debt to Relative / DMP
Does anyone know.. how do Payplan or CCCS deal with a debt to a family member along side debts to usual creditors (cards, ODs and loans etc)? Do they include it as one of your creditors or are you allowed more in your budget to give some back to the relative or is it ignored altogether and they come at the very bottom of…
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ccj being satisfied help please
Ccj being satisfied help? i had a few problems a few years ago with losing my wife to cancer and received a ccj i got my credit file last month and i paid it straight away. i then received the letter of satisfaction from the dvla and sent it to the court involved does anyone know how long this process takes for the court…
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The Good, The Bad and The Ugly
Hey Everyone, I remeber reading a thread with this title when i first joined and thought i might try to revive it because it gave me real perspective. I have tried to find it but no luck so far. Todays list The good: I have now stopped smoking for a month and 12 hours The Bad: my PPI claim for my cc got refused (they have…
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Problem Partner!
How can I get my girlfriend to be sensible with money? She regularly exceeds her overdraft limit and is paying around 90 quid to Barclay's every month, plus interest of course. Last year I guided her through reclaiming her bank charges for the previous 6 years, which came to 1300 pounds. I kept asking her if she'd heard…
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Over 20K in debt, but still smiling (just)!
** UPDATE ** STATEMENT OF AFFAIRS **I've tried to do this as best I can, and when I've been unsure I have tried to round UP. I have not included my girlfriend's incomes (we live together) and so with regards to joint expenditure (mortgage, council tax, building and contents ins, etc) I have just included my half which goes…
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Clearmydebts Diary to Freedom!!!
Hi everyone, I have replied to a few people's threads and voiced my opinion etc etc but have decided to keep my own diary as a way of keeping on track and as a target for me too! About me: As I have said in other threads, my LBM was about a week ago. My OH went back to Uni last year and is due to finish in June/July 2009.…
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End In Sight
What a great site this is - and what great forums! I'd like to contribute in any way I can. I consider myself fairly 'credit savvy' these days, but even so there's so much information on here to learn and share. I thought I'd briefly explain my story. About four years ago I moved in to a flat with my then girlfriend (and…
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SOA clicky?
Question from a non-DFW [lurker] to DFW powers that be: Why is there no 'top of page' clicky for the SOA? RB
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Help/ Advice. It seems so simple...
Hi All, Newbie here. My mum suggested this site (I know it's supposed to be the younger ones showing parents the internet but...) Anyway, I won't go in to loads of detail but I need a little help. In a nutshell I owe about £15k due to University and subsequent retraining. All of this is spread over overdraft and credit…
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getting entries removed from my credit file.
Hi there can anyone help with the following please 1. Can I get entry's on my credit file removed for entry's that are satisfied? 2. Can I get entry`s removed that have been settles but for a less amount and get the explanation removed saying that it was accepted in full and final settlement but wasn`t the full amount? 3.…
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Well it caught up with us
What a pair of fools we are. My wife and i like many others i suspect have constantly lived beyond our means for a number of years. The old borrow on the CCs consolidate start again despite promising to stop after each consolidation we didn't. We were not extravagant by any means spent most of the money on doing up our…
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Money Laundering on credit reference!!!!!
My OH has just checked his credit record with annualcredit.co.uk and has seen on the credit searches a reference to Money Laundering:confused: He knows nothing of this (thankfully) anybody have any ideas?
