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Is it normal.......?
Hi guys. Sorry I haven't been around for a bit, but I've been organising my own DMP! I've just got a really quick question......3 out of my 5 creditors have all confirmed they are happy with my increased payment (:j ) and sent me standing order details. But 2 of them haven't even acknowledged me (they have cashed my cheque…
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Barclaycard is ignoring me...
Hello Any advice when a credit card refuses to acknowledge an agreement proposal? I wrote to Barclaycard on July 26, then again on August 6, all I got was a letter telling me to keep my account up to date! M&S Money got the same letter and replied within a week.
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barclays or other card?
hi Just a quick query I wanted to throw out to you educated peeps out there. I have arrangements to pay off my cards some have reduced interest some not. To my suprise this morning I got a letter from Barclays saying that they were putting me on a 0% rate for 6 months which I was pleasantly suprised at. My question is as…
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Can anyone help me with this abbreviation??
Hello again, I currently have a Debt Collection Agency working for me, the boss of the company has the letters F Inst. L. Ex after his name. Does anyone know what these letters stand for? I'm assuming that the F Inst. may stand for Financial Institute? Please correct me if I'm wrong. Thanks for your help, it's much…
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Moorcroft Debt Collector Agents
I was visited today by a debt collecdtor agent who works for Moorcroft re an Egg Loan. I've been dealing with Moorcroft direct re another debt concerning a credit card from Egg. A couple of years ago I moved home and informed all companies of my new address, when I took over my own dmp in April I phoned Moorcroft and asked…
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Settlement letter arrived can you checkit please.
it reads Please be advised that we are willing to accept your offer of XXXX in full and final settlment of the above account Ensure pament reaches us by XXX So dso I pay as it doesn't mention what will be marked on credit file but it does say F&F. Its 18% of the debt which still feels too good to be true.
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Buchanan,clark and wells trying it on - Can she just ignore 'em?
Me chum has asked me what to do now - I have given her the best advice I could but I wanted to check with you guys.... In 97 she bought a camera on a store card for £450 - It wasn't the right one so was returned straight away and the card credited..... move quickly forward to June this year In June 08 she receives…
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Letter
Dear All The letter shown below is probably doing the rounds. For those that haven't seen it I thought it amusing and wondered if anybody had used a similar missive. "Dear Sir/Madam I acknowledge receipt of your letter dated 7 July 2008 in which for the 3rd time, you request that I pay the monies owed to you. I first want…
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Mackenzie Hall Letter
Hi, I am new to this site after googling MH and looked at the response that a hell of a lot of people have bad dealings with these muppets. I have been slowly clering my debts off for a few years and was paying £40 a month to one company. The payments suddenly stopped and I assumed that I had cleared the debt as I didn't…
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Switching current account when in overdraft?
Is this possible? I have a personal account with Natwest and I have an overdraft limit of £2000 and by the end of the month I'm in it around £1600... I get paid £1431 a month so haven't come out of it a lot ... but the reason I'm in it recently is cos OH has no work (was self emloyed/contractor but no contracts now due to…
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'Lloyds is pants' not allowed as password for Lloyds Bank...
I have just spotted this story on the Beeb website - made me laugh a lot! http://news.bbc.co.uk/1/hi/england/hereford/worcs/7585098.stm :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: Okay everyone, who can think of a suitable password for Lloyds that only has 6 letters...?...?.... :p I wonder if the man concerned is an…
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£250! That's all that's holding me back! Argh!
Hi-hi. After suffering from depression for a few years, I've finally had to drop out of university for failing one too many times. I'll most likely complete my studies some time in the future, when my mental state is a bit more conducive to studying. When my tenancy at my current house ends (at the end of this month), I'm…
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meritforce !!
Has anyone heard of Meritforce doorstep colletion agents??? I have had a letter from them saying they have been given info about me due to non payment to Mackenzie Hall, they say that they will be coming to pay me a visit in the next 10 days if i don't ring to arrange settlement . what rights do they have can they make me…
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Feeling Trapped
Hi everyone, Don't know where to start but I'll try and keep this brief. My husband and I have been living together for 17 years. Currently living in a lovely house with our son aged 10, since 2001, but have been struggling to make ends meet on and off for at least 4 years. Husband is self employed and doesn't get paid on…
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Getting rid of the overdraft and more
Hi there, we've been in lots of debt before (£15k+) and managed to get ourselves out of it through lots of hard work. We defaulted on a couple of our debts and it was the best thing we ever did. Knowing our credit rating was shot was just what we needed to stop us getting deeper and deeper into debt. A little extreme I…
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Does this seem ok??
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tax man,can i keep my house
hi everyone need help pls i owe the tax man 40k,i cant aford to pay this,can i keep my house,as its rented out? any help would be great guys
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Advice needed with buchanan clark + wells
Need advice about these idiots at first they sent me a letter stating a enforcement officer was going to visit so I came to this site copied the letter asking for the agreement as I do not acknowledge this debt and I sent the £1 postal order I got a letter back with my £1 postal order say "We do not hold credit agreements…
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YEEEEEEEEEEEHHHHHHHHHHAAAAAAAAAA! Paid another one!
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j council tax arrears - ADIOS! I can't believe it it was on a high after my ebay one but this one was on a back burner being paid off bit at a time! now I'm all up to date and it feels great :p it was a one off but i asked for my train delay money in cash rather than my usual rail…
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WARNING! HBOS - Non-Freezing of Interest
Just had an interesting (and angry) call with a representative of the AA Credit Card and I'm still shaking. He was phoning as he was having trouble putting into words their policy.... :mad: I've been on a DMP for 24 months but last November HBOS decided that they would only freeze interest for 12 months. To cut a (very)…
