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What statute has Carphone Warehouse breached? Please Help!
Hi, After reading the forums, i made an effort to clean my credit report. There were 2 accounts for CWP that were unsettled and defaulted. I contacted them and learned the accounts were written off. I made an agreement with them to pay the settlement fees in full proividng they remove my Defaults. I had a document compiled…
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CCA request aftermath vs 1st Credit
Can anyone help......iv'e recently been tring to gain CCA request from 1st Credit who are now the legal owners of an alleged debt that i originaly had with Barclaycard.I have sent 1st Credit the original request along with £1 stat fee registered delivery.They got that and told me they would contact Barclaycard for this…
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Advice on my debts please?
Hi, I would be very greatful if somebody could give me some advice. I've got afew debts which I am starting to sort out. I have one letter from RMA which is connected to my Barclays bank account stating that 'Barclaycard has agreed to accept a settlement of yout current outstanding debt of £314.82' and saying to call the…
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As guys and gals who may have incurred bank charges
I thought you may be interested in this story, I posted on the reclaim your charges board. Sorry if repetitions are not allowed!! My workmate had a call from a company called Reclaim2Gain, who explained that they could reclaim your bank charges for you. She hadnt got any but passed them onto her BF who has. When she put…
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CCJ/ Moorcroft query
Wondering what your opinions are on this please? I have a debt which has gone through a couple of different collectors, it ended up with Moorcroft, who I paid what I could afford every month, but they were really nasty & were constantly telling me I had failed to pay when I had already paid, or adding charges, increasing…
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(£) - arrangement to pay
I haven't been on here for a while and have just checked my credit report. Since Jan I have been making bigger payments than previously, not big amounts but still it's an increase but I have some concerns. Callcredit * I have done down from 5 active accounts to 3 * TSB Loan went from (ok) in Nov 07 to (3) in Apr 08 * MBNA…
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Confused About Catalogue Debt
HI, I HAVE POSTED BEFORE ABOUT THESE DEBTS BUT THEY JUST SEM TO BE POPPING UP AGAIN EVERY NOW AND AGAIN:mad: . I HAD AN ACCOUNT WITH ACE CARDS (STUDIO) PASSED ONTO MOORCROFT, LAST YEAR I WROTE AND ASKED FOR THE CCA, DEED OF ASSIGNMENT AND ACCOUNT STATEMENT. NOTHING WAS PROVIDED TO ME. I SENT THEM THE BOG OFF LETTER ETC AND…
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iva and endowment mortgage help.
my friend is applying for an iva. he has approx 100k CC debts and a 90k mortgage (house value c165k) with an endowment of approx 50k due to mature in 5 yrs. he has been told that he still may lose his home either now or in 5 yrs. can anyone tell him if this is correct or not?
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1st Credit Statutory Demand
Hi all...hope you can give me some advice... I recieved a Statutory Demand this morning from 1st Credit. It arrived in the post sent through UKMail. It has a name of a contact to whom all communication regarding this demand may be addressed to. (Its a chap whose address is for Connaught Collections) I attempted to call…
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Confessions of a Serial Spender.
I have been using this site for just over a year, and at first I did really well. I cut back on loads of things and really made a dent in my debt. But then things went a bit wrong and I was diagnosed with Depression and Stress in June 2007. Which I guess is where things built up again. In August 07 I consolidated my debts…
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shall wait til egg pass on debt to dca before i ask for cca??
hi all, sorry for all the questins today! i think i have had a little bit too much coffee this morning as being very busy! Had a letter from egg today saying they are passing my debt to a dca. i was about to send them a cca request but should i hold off now to i hear from the dca?? also do i need to tell cccs that they are…
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can someone just have a look at this letter and advise...
hi all had a letter back from courts asking me to pay more money than i actually have pcm so have to respond telling them i simply can't afford it. CCCS have kindly sent me a template letter but i am not sue if its right? i get confused easily with this kind of letter and i do not want to put my foot in it!! could someone…
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Pap & Moozies what have/will you spend Friday 9th May?
Hi everyone :D Had to buy a pressy today, under £9 & some milk from food budget. The homemade bread I made yesterday, came out fine, bit of a funny shape:p, but pleased with my first attempt, haven't got a breadmaker, so did it by hand. Have a great day everyone :D
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Summary judgment-Defending against HMRC
HI to all, I have been served with an application for "summary judgment" against me. It is very hard to find imformation about how to defend this. has anybody got any helpfull info about how to defend such an application. Briefly i am defending aginst HMRC to allow me a "Time to pay" aggrement for outstanding VAT/PAYE.…
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Moorcroft & data protection
Hi guys, can someone give me the benefit of their knowledge please..... Last night I was 'phoned by Moorcroft (Debt agency) chasing a payment that I'd paid a day late. Thing is they phoned me on a mobile belonging to a person we share a house with. I have never given Moorcroft this number, they have mine. Because of this…
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I need help!!!!!!!
Hi, I.m struggling with debt and trying to keep it from my husband has been a bad idea. I thought I could deal with the situation, but now the bank, who until now, I might add; have been more than accomodating with overdrafts. Foolishly caught in avoiding my problems I happily went along with increasing and increasing my…
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Thanks to all who helped me through a low day.
What a bunch of great people you are.....thanks for all your help yesterday to my post on here. I sat last night reading your replies.Made me feel lot better. Someone asked if my partner could contribute more.....I asked him last night if he could give me more money? he said yes, then we sat and talked about why I needed…
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Friday 9/05 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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Bailiff visit.............
Good morning everyone, i awoke this morning by the sound of a bailiff knocking on my front door at 7pm telling me that i owed £292 + his £176 costs for knocking on my door because i had outstanding council tax payments (which i didn't know about). I have a direcrt debit set up to pay each household bill and apparently i…
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Threat of Baliff action - urgent advice sought
Hello, We currently have a situation with our local Council. We had an agreement in place for an old CT bill (2003), because the Council did not receive our payment in March of this year, they put the debt out to a baliff - Rossendales. :eek: We have written to the Council asking them why they have done this when we are…
