-
cca request,help!
Last week I sent of a request for a copy of a cca to a debt collecting agency called EOS (on behalf of Grattan) I used the standad template and included a crossed £1.00 postal order and wrote on reverse of po. cca request. I sent it recorded delivery and today I received a letter back from them saying as follows: Ref no…
-
Anyone heard of Varden Nuttall Insolvency Practice Ltd?
My friend has suggested this company for an IVA but I can't find out much about the company...anyone had dealings? Thanks
-
Direct debit woes
Hi all been reading on here for the past few days and trying to take it all in! Had alook on both of my bank accounts and started to get rid of direct debits that I don't need anymore and canceled the silly ones that I don't really need like PC insurance on a 4 year old pc and so on worked out £80 a month better off! Now…
-
I think I've upset Karma.
This week... our washing machine has died... we were told we were getting a grant for a new laptop for my OU course... and then told we weren't... and now my laptop's cd drive won't open. We can't afford another one and I've got stress at home besides the stuff breaking but I just feel like I've upset karma or something as…
-
I can't stop spending - Updated with SOA
Several times over the last couple of years I've thought I had a 'lightbulb moment', tidied up my finances and started living within my means. It only ever lasts a month or two before I fall back into my old ways. At the moment things are really bad. I broke up with my boyfriend a few weeks ago and just seem to be spending…
-
What is a "True Copy"
Got a reply today from Hillesden and it says they acknowledge my request,and that if they are unable to forward the original agreement they will be able to supply a true copy of the document that will comply with section 77-79 of the consumer credit ct 1974. What does this mean?????????????????
-
what would you do?
Right just a quick one, i work weekends part time and my husband works all week, we do this so someone can always watch the kids. anyway he's taken a days holiday on monday and we were going to have a very rare family day! My boss asked me to work only 4 hours at time and a half, anyway i phoned hubby and he said do it.…
-
Transfer of proceedings?
Hi I received a letter from the court today and am a bit worried :confused: I have liased with Payplan and they say not to worry this is standard practice and they will assist me throughout this hell!!! but still I worry I owe 4500 to Nationwide CC and the original sum for me to pay set by the Coury was £500 per month? Ah…
-
Money Claim On Me Or My Address??
I have a money claim against me made by my solicitors who acted for me in my employment tribunal claim, for their legal fees for dealing with my case. The address the claim has gone to is my parents address as i was living at home when my tribunal claim began. I am not especially worried about this claim because i have…
-
Daily Clicks question - can anyone help please?
Hi all. I have been reading the Forum for some time, and notice that lots of people refer to doing their "daily clicks". I have registered with Pigsback and I assume "daily clicks" means visiting the site and clicking on the links to acquire points. Is Pigsback the only site of this type, or should I be registering with…
-
quick questio about when you get paid by quidco
hi all, i know this isn't really the place to put this but not quite sure where to put it!:confused: i tend to write on this board the most so i thought someone on here should be able to help:D . just a quickie: when your payment says scheduledon quidco and the date as may 08 when does it go into my bank?:confused: sorry i…
-
CCCS will not help some
Have £3500 debt and earn minimum wage. Single mom with toddler. All the companies I have tried, Baines & Ernest, CCCS, etc. will not help me as they said I either have to have debts over £5000 before they will help,or I have to pay 150 per month towards the debts, which will leave me with no money for food? I have only…
-
Settlement figures?
Hi All, I wonder if you can help me - see if my brain has actually decided to grace me with its presence today!? I'm wanting to settle off my loan with Beneficial Finance as I've come into some money. Here's the details: Amount of credit: £3680.38 (including optional PPI) Term: 42 months (1st payment made 10th June 2007…
-
Amount of Balance Transfers on 1 card
Hi Just recieved my new Virgin credit card. The 15month Balance transfer one. How many times can i do a balance transfer on it? Basically iv got a loan with fixed repayments which i have no problems paying but i can afford to pay more off at a time. My idea is to transfer small amounts at a time from the loan to my card…
-
How to help a friend?
Hi, I've been reading the site and forums for a while and have managed (with all your help) to sort out my own finances. I'm lucky I found the site and only have a small debt, it was more about budgetting for me, but I need your advice on how to help a friend. I've shown her this site after her having a dim LBM. So far she…
-
Tax Coding on Payslips
Hi All Brief history: I got made redundant just before christmas, and the company was very very slow at sending out my P45. Eventually they did, but i had already left the "temp" job i got after christmas. So i had BR as the tax code on my payslips and P45 from temp job. I have just started my new job, and the accounts…
-
Just phoned the bank
To pay off loan Was a memorable phone call, highlights included: Guy on phone saying id "only" save 350 quid by paying it off early, Trying to say id earn more interest on savings verses a 9.9% loan (i thought this loan was in 8%s teach me not to re-read things), take into account tax as well unless it goes into ISA (which…
-
Any way to stop the interest?
Hi all, DH and I have been paying into a DMP with the CCCS for 2 years, I have to say most of the creditors and surprisingly for me the debt collection agencies have all been brilliantly helpful except for halifax visa (the loan has been referred to debt collection). The balance on the visa is £7800, currently we pay CCCS…
-
credit with company now in admin. what happens next??
Ok, i was wondering if anyone knew what happens to credit if a company enters administration. Sound Control recently went into admin and i had credit on some products i bought, is/will this credit wiped? I've heard it would be cleared from someone but wanted to check how it works cos i doubt they'll send me a letter saying…
-
bailiffs
under what circumstances can bailiffs use locksmiths
