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Anyone got recent dealings with AMEX / RMA?
Hi all.. I'm currently paying AMEX via RMA Resolve. My online AMEX account simply states that my card is cancelled, and shows the credit from RMA, but every month I still get charged interest from AMEX. Has anyone actually had interest frozen with AMEX? They claim they have not "sold" my debt to RMA, but simply use them to…
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getting rid of defaults?
hello, I have a four defaults which went on to my credit report 5 1/2 years ago. they are not fully paid off. approx £6000 left. Would it be unethical of me to write and ask them to send out my credit agreement just in case they didn't have it so i could get them written off? not that i really care to be honest!! I have…
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Ignore this ;)
ignooooooooooooooooooore
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Help please
Hi, I am a newbie so please be gentle ;) I am after some much needed advice regarding my hugh debt. To confirm, I have no assets, no home etc.. and live with the parents. I have dmp with cccs with around 40k debt made up of around 11 creditors. I have been on this dmp for around 16 months and pay £75 a month. Within this…
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Pap / Moozie's What have / will you spend Friday 26th September
Good Morning everyone:D hopefully I will have at least one reply today as noone replied at all yesterday -Mickey Mouse no mates:rotfl: I don't work Fridays so am meeting up with a comping friend to hunt for new comps and to have a huuuge chat. It may involve a cheap lunch out but will try to keep it low good luck everyone:D
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Friday 26/09/08 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…
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I've Only Gone And Bl**dy Done It!!!
Yippee:j . As of today we are officially debt free. Have been in debt for as long as I can remember, so to know that we owe nothing to nobody (except the mortgage that is and have made an overpayment of nearly £2k this year) am absolutely estatic! Off to London today for a girlie weekend, staying in a nice hotel and seeing…
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DFW Weekend Pyjama party
Early rise for me this morning:rolleyes: I went to bed at 9 last night cos i couldn't keep my eyes open and woke at................2.30am:eek: :eek: :eek: So i have been awake since then,pottering about on here. Going swimming with DD today:T and maybe booking in for my tattoo.:D Had another one of *those* conversations…
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Glittermonkey Debt diary
Ahh, couldn't think of a fancy title but I love reading the other diaries and wanted one of me own! My first lightbulb moment was a few years back and I started off doing really well but lots of personal things happened and I kind of lost myself in a black hole for about 2 years but I am finally over that and ready to…
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Overpay or F&F
I think I've just had a second lightbulb moment:D I just realised that most of my debts have been passed onto debt collectors and they are accepting minimum payments that I can afford but its going to take me forever to pay it off. For example - HSBC balance £5858 and I pay them £36 per month. So, it is going to take 13…
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Ah..so this is the banking system in action
Stumbled upon this animated video quite by accident - it's highly entertaining and very informative - http://video.google.com/videoplay?docid=-9050474362583451279 ....Paul Grignon's 47-minute animated presentation of "Money as Debt" tells in very simple and effective graphic terms what money is and how it is being…
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Credit check at your local bank?
I was looking to get a full credit check as soon as possible but I dont want to do it online.I have heard of a way of sending off a cheque ect but would much prefer if theres a way of doing it in a local bank with no strings attatched (i.e not having to cancel or be signed up for anything) is this possible? Many…
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Waiting for DMP to be set up - what now?
Hi, Had a great guy from Payplan call me on Tuesday and am going to take their advice, of going for a DMP. May not be able to do an IVA as work in the insurance industry - waiting for HR to confirm. I am now just waiting for Payplan to call so I can confirm that I want & need their help and that I'm going to take their…
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Trying to make a new start..first hurdle..
Hi everyone, A bit of background; in 2001/2 I went through a massive depression due to the loss of a baby and subsequent girlfriend etc. I had a creditcard with a 1000pounds Natwest on it and an overdraft of 300pounds with Lloyds TSB. To cut a long story short, the years that followed we're spent in alcohol and dodging…
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After 30 days of a CCA request.
Have sent the 12+2+30 days letter asking for defaults to be cleared, payments to be returned, etc etc as per a template on this forum. Got standard letter eturned from DCA which basically said "Account has been closed until we find CCA". This is an exact copy of the letter they sent 1 day before the 30 days limit. What…
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Halifax mortgage debt dept phone number??
Anybody know what number I would ring to discuss an old mortgage debt!! Thanks in advance
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IVA Completed but...........
Hi I was wondering whether anyone could give me any advice. I settled my IVA in December 2007. I sent the certificate of compliance on to experian and equifax. I've just checked my credit report and equifax have put the date satisfied as correct under court information, however, I've got a couple of concerns. My debts with…
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CCJ coming, advice please.
I'm in debt to various creditors and, it looks likely, will receive a CCJ soon.The thing is i work for agencies so am frequently unemployed.I'm working at the moment so, will the court instruct me to pay what i can afford from my current wage and what happens when i'm without work?Similairly, if i'm un-employed at the time…
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credit report help
i need some help to understand my credit report i have looked into both experian and equifax and their is nothing on any of these that are untoward and yet i still get refused credit also there are some address under the linked address on experian that i have never lived at i think they might be gettin confused with my…
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DMP plan question
I am in a debt management plan with payplan (2 year duration) and am about half way through. Barclaycard have reduced their interest rate but MBNA and LloysTSB won't seem to budge. Fisratly has anybody have any advice on how best to deal with MBNA / TSB in this scenario? I have asked Payplan to contact them about this but…
