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Optima legal solicitors
Please could any one tell me if they have had any dealings with these people . I have had a letter today from them from my Aliance and Leicester card . It saysthat i have failed to pay the balance on my card and that they may commence legal proceeedings . I am on my own DMP And have been paying A and L a reduced payment…
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!!spent Money From Bounced Cheque!!
Hello, In Feb 2002, a freind of mine sold an item, put the cheque in the bank, called bank to see if cheque had cleared, bank said 'yes', so the money was withdrawn from the account and spent. One week later, cheque arrives back - with letter from bank, saying ''GIVE US OUR MONEY BACK, THE CHEQUE BOUNCED!''. The person…
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1st credit letter
Hi there I have recieved a letter from 1st credit threatening legal action against my home. the debt is for 850.00 and i have no idea where it is from!!!! What should I do about this? Am I actually in danger of having my home taken away.... PLEASE HELP (Im in NIreland by the way)
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Help Needed
Hi all I need some help! I am 14000 in debt, with sky card (6000), citi bank/first credit (2500), marbles (2500), capital one (1000), and littlewoods(750) plus 2 catalouge accounts, littlewoods and next. I am not working and I only have my housekeeping for income plus child benefit. I had an arragement with payplan - but…
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02077932682
I had a phonecall today looking for one of my neighbours. They asked me to tell her to call Mo on this number. The man on the phone got really agressive when I said that I didn't want to tell the person to ring the number as I'd heard about debt collectors using these techniques. TBH I don't even know this person but I…
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wish me luck
Hi there. I've been a lurker for a while now and just thought I'd share some news. My current role is a credit controller (business2business). I'm about to study towards a certificate from the Institute of credit management. It's mainly corporate stuff but it will touch on consumer credit. It's a home study course, so what…
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Debt Collector & CCJ help please
OK I have found out I have a CCJ registered against me for a debt from around 4/5 years ago. I have spoken to the court where it was registered and she gave me the account details, how much it was for and when it was registered. It was registered in March 2004 at a property I wasnt living at (can be proved by tenancy…
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Cca ????
Is a CCA a consumer credit agreement? I have a DCA chasing me for a Great Universal Debt but dont remember signing any Agreements - whats my options?
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bpo collections....
Hi everyone, Last year i moved out of my mums home in September 07, in about July 07 i had the services of virgin media put into the home in my name, i never received or signed a contract for the services, . During the 2 month or so the service was terrible, it was hardly ever on, always broke etc.. In september 2007 i…
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First Steps to clearing debt
hi there i am looking at dealing with my debts in the next couple months and would like some advice.. Both me and my wife are in the following situation... We both have bad debts going back over the past 6 years or so...it probably totals around 20k but could be as low as 15k, i have been keeping debt letters from various…
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Checking your credit report. Advice needed please
Hi, we need to check my boyfriends credit report and would like to know if anyone has any recommendations as where to do it? Should we just apply to each agency individually or is there somewhere that does the 3 main ones all in one go? Also, he has been living at my house for 4 years now but as his credit history is…
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Robinson & Way Response..any Adsive!
I recently requested from Robinson & Way a CCA for an ex-debenhams account, I have had a letter from them today and it says the following: "We have requested a signed agreement from our client and this will be forwarded to you as soon as possible". They also add the following: "As a simple assignee from the original…
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DMP not quite set up and I have more questions please....
Morning everyone I have now received my paperwork from the NDL to sign and complete regarding the set up of a DMP with payplan. The thing holding it up is that I have applied for a new bank account online and it is taking an age to come through with papers to sign etc. The trouble is whilst I have this time to think, I am…
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If there is a DAILY CHAT thread 12th June, i can't find it.....
So here goes...... Hope all are well today?
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Could I have some advice please?
Hi all, I'm new :o Last week I had a letter from Moorcroft telling me to basically pay a £399 debt by a certain date or they were sending the boys around, I looked on here because I simply dont have the money and found the letter asking for the CCA so I sent that recorded and enclosed my postal order. This morning they…
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Possible old debts.. CCJs?
Hi Guys Well i was rifling through my old paperwork and found 2 letters from 2 different DCA for 2 seperate debts. One was dated 2004 and one 2005. I probably buried my head in the sand with both of these as i dont recall either one :rolleyes: Both threaten court action but i cant find any court papers in my paperwork, and…
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Written off debts (noy IVA)
I have come accross a company who claim to write off credit card debts, car finance, secured loans and delete from the credit register. Regulated through the Ministry of Justice. Its all done through flaws on contracts evidently using litigation solicitors. Surely this cant be true is it, if so ML will be advising wouldn't…
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Partner being chased for ex's debt
Hi, hope some one can offer advice on this one as it is worrying me sick. To put you in the picture: Six years ago my boyfriend was engaged to another woman and one night she broke down and told him she was over 15K in debt and could not pay it off. The outcome was that they cancelled the wedding and used what they had…
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Pap / Moozies What have / will you spend Thursday 12th June ?
Morning Folks :D Bad nights sleep again, due to tenants across the Rd, they wrote a note to say having a BBQ & sorry about last time, we've learnt our lesson ( throwing bottles in the rd shouting & screaming ) & then made almost as much noise again!:mad: Going to see my IFA today, got to re-mortgage as low rate ends…
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Thursday 12/06/08 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…
