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My new and MORE DETERMINED diary
I have decided to start a new diary, I hope you don't mind?! Here are also my previous diarys if you are interested: http://forums.moneysavingexpert.com/showthread.html?t=328237 http://forums.moneysavingexpert.com/showthread.html?t=387518 http://forums.moneysavingexpert.com/showthread.html?t=624869 The reason I have…
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Credit Agreements ???
hi all.. i am in need of help with regards to credit agreements.. i owe littlewoods catalogue £800 , have been a customer since 05/03/05 and the account is now with Iqor debt recovery .( paying £10 a month ) i also owe kays £624 ,have been a customer since 07/10/06 , now on their extended repayment plan ( paying £16 a…
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someone elses mail
A company at equity house keep sending mail to my hoouse . they say if " To be opended by addressee only" I opened the first one and saw it was from a debt agency, we sent it back. The first letter said debt collectros might be sent to the house. It is concerning, how do we stop the letters and can they send aa debt…
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Money worries
Hoping to get some advice for my sister. She is in a very difficult situation, living with violent partner, disabled son and suffers with depression. A few months ago she was being investigated for benefit fraud. We spoke to CAB and decided it was best to come clean. Her partner had moved in, him working ft, her on…
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Capquest
I know this has probably been asked before, but i couldn't find anything specific to my situation. Basically, I've been having it out with Capquest for the past year about an account with Clydesdale Finance. About 3 years ago I lived at my own address, and ordered a laptop from Tiny on finance. It arrived broken (CD Drive…
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Am I strange?
I get really frustrated at this time of the month :o . All our statements are in and spreadsheets up to date :D . I keep looking at them and check internet banking 2-3 times a day but nothing changes :rolleyes: . I can't wait for the 1st when the wages are in, Payplan get paid and I can start updating my spreadsheet to…
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Iqor recovery services help please
You'll have to forgive everything from here on in its my first post ( I usually just lurk). So the story goes.... May 2007 Hubbies CSA arrears were past to Legal and trade who are now trading as IQor recovery services. May 2007 we had a nice letter saying pay us £5500. we called them and asked if they would except £80 per…
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Standard letter to dca??
Hiya Well after speking to CCCS & then capital one I've found out whose got the debt now. I don't want to get their back up by not responding (although have paid c1 payment for this month) so going to send off the standard letter. The company is Fredrick International. I want to communicate with them in writing only so is…
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Cca Problem
I have a bit of a problem here and need advice. A Few months back I asked for my CCA from Next which was going through Moorcroft. They replied saying they do not have a CCA etc, So I told them where to go etc. Now 2 months later they are back in touch saying they are going to commence legal proceedings etc etc and that a…
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Oh, how did i find myself on that forum board?
I somehow wondered onto the Mortgage Free Wannabe board... how on earth did that happen. :p I was even reading the threads about overpaying your mortgage, is it a good idea etc. etc. I havent even got a mortgage yet and im already planning on repaying extra on it. :rotfl: x
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Moving Out & Trying To Sell Everything!
I am moving out and trying to sell everything to try to reduce my overdraft. I have around 150 books and lots of CDs, DVDs, vynil as well as household electrical stuff. I would carboot sale but I don't have a car and I'm moving this weekend! Does anyone know of any businesses or similar who are interested in this kind of…
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debt and credit agreements ??
hi all... i have 3 catalogue debts and a visa debt that i am strugging to pay and can not remember if i signed credit agreements.. i owe littlewoods approx £800 , which is now with iqor debt recovery and have made about 5 payments of £10. i owe kays £624.60 ,i am paying them £17 a month but the credit agreement for this…
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Section 189 of the CCA
Hi, I am looking for some clarification regarding Section 189 of the Consumer Credit Act. I recently requested a copy of an agreement from a company called Apex Credit Management. The request was sent recorded delivery, with a £1.00 Postal Order. 3 days after the request they wrote back to me, returned the postal order and…
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Legal action - wrong address!
Sorry if wrong board but need some advice. Few months ago a couple with kids moved across the path from us ( we live on a green). And ever since we have had letters for a girl, and ive heard of her name before. And we think it is them. Anyway in around 2 months we have had 3 letters for bills for a travel buss pass. The…
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help
:eek: :eek: hi my husband and myself are in debt of £62,000 . yes i am ashamed as there,s £2772 come in each month. suppose when i do look round the house can c were it,s all gone. been in touch with debt frre direct after reading many comments on this site. what,s worrying me is would i be better of with iva or dmp. my…
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Subject Access info request
Hi out there, newbie n struggling with all this. Hope someone can help??? I recently requested a S.A R. from a debt company called Capquest. They have sent a letter back stating that they want a proof of identy in the form of a drivers licence and a document that links me to my current address. What should I do as I need…
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What can i do?
I am in £1000 debt and it keeps going up with vet bills and then i have to pay interest on top of that. I currently get £420 a month and out of that i have to buy food and expenses etc. The debt just keeps going up. I dont know what to do i know its only 1k but at the mo i will have to pay about £100 interest on top of…
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Old Water debt, agency are nagging me!
Hello, I have received a letter from a debt collection agency in relation to an outstanding water debt from my last property which is £629.03. Obviously I have to pay this back, but before I phone the agency I wanted to get some advice about how to go about paying them. I simply cannot afford the whole amount, I am on a…
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Debt advice re bankruptcy/IVA
We are currently paying off debts using a DMP with CCCS, owing around 20k and atm only paying 20pounds pm. We are due to change our budget as dp is now in employment and I've worked out our disposable income around 280pounds pm. However, dp has now told me he has used 2 credit cards and a catalogue and has an overdraft…
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Risk Free & No Expenditure
Hello all. After being on this site for almost year, I think it is about time I started a new thread. I am wondering what ideas people have to make money that is Risk free or as close to risk free as possible. Examples of this would include Matched Betting - it is relatively risk free however there is a small element of…
