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Help with Natwest
I recently (about 3 weeks ago) sent Natwest a letter regarding the loan and overdraft I have with them to ask if they would freeze interest and accept reduced payments as I am struggling paying the full amounts. I have not yet received a response from them but after I sent the letter with my offers I cancelled the dd I…
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DMP or Full & Final
Hi Everyone First post so please be nice. We have been on a DMP with Payplan (thanks to this site) and we are getting through each month but only just about. We have equity in the house and are considering increasing our mortgage to give us enough to be able to offer full and final settlements, on the assumption that what…
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CCA request
Please Can Someone Let Me Know What To Write In The 2nd Letter ,requesting A Cca . I Sent A Letter To Mercers Requesting My Cca And They Have Not Responded ,the Time Is Now Up What Do I Do Now ? Thanks
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I'm New
Hi everyone. I just wanted to introduce myself and say I'm in a bit off a mess! I owe £6000 on a loan, £2700 to my mum,about £1500 on a credit card (it may be more but I'm too scared to look!) and I have an overdraft of £600. I hate all this debt and just dont know what to do. I was going to ebay stuff but my computer has…
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Large deficit on two mortgages
Have a first and second mortgage which exceed the realistic market value of the house by over £50000. Is it possible to sell and rent back the house if permission is obtained from the main mortgage lender and we offer a lump sum via a third party to settle the second charge lender's account? Any help would be really…
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Is it possible to get a loan while bankrupt?
Actually more specifically an overdraft. Can an undischarged bankrupt lawfully get a temporary overdraft for a period of a few days? I'm sure even if lawful it might be difficult to convince a bank but I'm really just interested in the possibility rather than the practicality at the moment. Thanks in advance for any…
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debt help please
Hi i am 23 and a student from edinburgh. Over the past few years my debts(not student debts) have spiraled, now that i have actually sat down and worked out how much i am in debt i am shocked. I am not looking for a mirical to get rid of them i just want some advice on what would be the best plan of action. I am always…
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credit cards
hi i am new to this so hear goes i have got 2 credit cards one for £4250 the other for £5500. I have managed to make one payment on one this month but not on the other i have never missed a payment before this is the first time should i phone the compony up and tell them i am having problems paying and can only make a…
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Some advice please....
Ok, I'm tackling my debt and its looking good to reach my target...however, this morning I received a postcard from power2contact ltd saying.... “I confirm that I will be calling to discuss the rencent communication from CSL” it said it was going to call Wednesday and the date on the front was the 16th June so I don't know…
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We had our LBM Last night
We in a bad way. But we gonna do it. Had LBM last night why watch tv. Here our SOA HUBBY 1000 ME 560 EBAY 100 TOTAL 1660 DEBTS A MONTH EGG CARD 3500 75 EGG CARD 2 1350 30 BARCLEY CARD 1 2400 60 BARCLEY CARD 2 1100 50 MINT 500 15 THOMAS COOK 1300 60 LOAN 1 5000 60 LOAN 2 11000 160 EVANS 450 20 BURTON 350 20 CATUELOG 1 250…
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Unsure Where I Stand
I'm unsure where I stand with a debt. I started a debt repayment plan 8 years ago, everyone was accepted except for American Express who cut off all contact. Last spring I heard, by phone, from a credit collection agency (AIC in Glasgow) wanting settlement for the debt, no payment was made due to unemployment, so they told…
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Debt Recovery Company annoying me
About a year ago I moved house and the eletricity company I was using have now passed my account to a debt recovery agency. I don't think I even owe the £200 they're asking for because I'm sure I paid up all my bills before I left, plus it appears to have taken them a whole year to chase this up. I'm suspicious that the…
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Would I be better off with one loan
Good morning peeps, Just wanted this to be my first stop for some advice from anyone before I go headlong and do something I might regret later. I have roughly £13,000 on 4 credit cards. At the moment I am just managing to pay just over the minimum payments but there coming through at one a week leaving me hardly anything…
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debt managment plan - debt's escalating!!
I started my debt management plan with CCCS in March of this year so have been on it 3 months now. However I am still getting hounded by my creditors although I won't talk to them. I am still having interest and late payment fees added to my statements each month as CCCS don't pay out til around 25th of each month. I have…
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Robinson Way & F&F Settlements
I haven't posted on here for ages, so hello! I'm now in the position of being able to pay off all my debts immediately (due to selling our house) and need to negotiate f&f figures. How much do I start at and do I assume they will negotiate up and therefore start low? Do I do it over the phone or in writing (I'll get final…
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Is this legal - Please help
I cancelled my car insurance as I sold the car and tey said I still owed £300 odd pounds, I then wrote to them and asked if it would be possible for me to pay off the arrears – I heard absolutely nothing from them. Then on the 4 June they deducted £166.14 from the card I paid my deposit with (they kept this on file). I…
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Importan change to the SOA Calculator
Important Change to the SOA Calculator Please be aware of a fairly significant change to the SOA Calculator. As some of you may have seen, the calculator output sometimes shows items as "NaN" (not a number). This occurs when a user types in a non-numeric value. It has knock-on effects because it means that any resulting…
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Natwest phoning when asked not to
Can I report them. they are not one of the creditors. They are just bombarding with sales calls and information calls. This morning they have phoned the mobile and the landline. They were told yesterday to leave us alone or we'd take our business elsewhere. We always tick the box for no contact but as we are a customer of…
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Ccj Help?
hi, anyone able to help me out please? I have 2 ccj's on my credit file. I have been paying them by monthly s/o since I got them, one in 2003 and one in 2007. They are the only things (as far as I can see) that are stuffing up my credit score. I owe approx 3500 on one and 4200 on the other. I am trying to find a way of…
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mortgage / credit card mis-selling
http://www.cartelclientreview.co.uk/default.aspx Does anyone have any views on this company that claims to be able to wipe out mortgage / credit card debt if it can be shown that it was mis-sold or subject to unfair terms Cheers JP
