-
makenzie hall/j2 soltions
hi, i've recently received letters from makenzie hall & j2 solutions stating that i have an unpaid debt that needs "immediate payment". having searched the forums on this site i see that i am not alone in this predicament. i've taken advice that i need to reply by letter and the national debt helpline have sent me a sample…
-
Do you or anyone you know work in a private school?
I work as a school secretary in a state school. I've been in the job a year and i love it. People are lovely, i get 12 weeks holiday a year.........but i earn £15000. But i don't mind earning less because i really enjoy working there. I wouldn't think twice about a new job.......if we weren't in 17k debt. We're on such a…
-
nasty lowell letters help
hi folks wondered if you could help. i just received 2 letters from lowell saying that if i dont reply within seven days they are going to take out a ccj so i checked my credit file and one debt is for a defaulted loan of £270 and the other is for a defaulted current account of £580 they have got the same name as me but…
-
Hotpoint's swimming through treacle debt diary
It's been about a year since I started my DFW journey, and I think I've lost my way a bit recently. So I've decided to start a diary to hopefully get back on track. My debts HSBC £526.80 Natwest £475.22 CL Finance £395.03 Total: £1397.05 Which I spose is quite a big difference from at their highest (in my sig). This week…
-
My SOA
Obviously this is the figures on what is coming in now and what was going out. I haven't yet filled in the Tax Credits form or the council tax single person rebate form so there's a lot of discrepencies but its still very scary :cry: And I've not yet heard from tesco's as to whether i have got the job which is an extra 12…
-
Best Current Account
I was recently recommended to get a new bank account as currently with Barclays. I have an overdraft of £1300 with them and getting charged £10 a month aswell as the £6.50 for the Barclays Additions. I have been looking at the Alliance & Leicester account - I am not sure if I would be able to get this account being so…
-
Massive HP Problem
I am not to sure if this is right place but I have a big problem with an HP agreement, if anyone can help it would be a massive help! Here is the rub: I took out an HP agreement on a car for 3 years. After about 13 months I needed to terminate the agreement which I did in writting. The company recieved the letter and told…
-
Credit card debts - moving country
Just wanted to see if anyone can help. I have approx £5500 debt on barclaycard which is charging 22.9% interest and about £5000 on Egg. My husband has about £4800 on nationwide which has now been passed to a debt collection agency who have sugested a settlement figure of £2500. and also about £1700 on IF CC. Basically i do…
-
Debt advice for friend
Hello guys I know you will help me out here as i haven't a clue lol My sisters bf is in debt to the tune of about £10000. A couple of yrs ago he thought it would be a good idea to consolidate his debts and now pays £75 a month to Eurodebt with only about £45 of this being paid off the debt i think. From what he's said this…
-
CCA - Confused over what to do next
I would be very grateful for some advice regarding what I should do next... I have recently been contacted by Fenton Cooper who have been chasing a credit card debt from 2003. I sent off a CCA request in April and heard nothing, despite me sending two more letters chasing them, until last week. I received the CCA but with…
-
No credit agreement
Hi everyone, I am in court on Friday with DC for a debt of 3800.00, very long story but basically they haven't got a copy of CCA. They are relying on the fact that they have copies of credit card statements from when I had the card 4 years ago, also I have not disputed the fact that I owe the money (have been paying 9.75…
-
Needing help badly
Hello Everyone Its been a while since I posted anything but hopefully something can be done. The basics: Was in job that caused me to leave due to the extreme stress. Ok I do know that some jobs can be slightly stressful but this one was the worst I have ever had in 15 years of working. At the end of September I shall not…
-
Loan Application Fraud
Not sure if this is the right place, and sorry for the length, but if anyone has any advice/experience it would be greatly appreciated. In July, my husband applied for a loan with First Plus. This was subsequently refused due to what they called application fraud. When I wrote to ask why, it transpired that my husband had…
-
Do I pay The DCA?
After an initial agressive phone call from 1st credit, all has gone quiet. Acting on advice recieved here, I asked for a copy of the CCA, and requested all future communication to be in writing. It is now the time of the month when I would have been making a payment to Goldfish. Do I now send this to 1st Credit, and stick…
-
Copy of signed credit agreement, have i got this right
Hi all I’m after some of advise about nine years ago I had a car from yes car credit anyway I defaulted on the payments’ and the car got repossed. I was contacted by a credit agency and agreed to pay £40 pound a month. About a year later Thames credit took on the debt and I have been paying £40 a month ever since. Recently…
-
Mackenzie Hall
Hi, Wonder if you guys may be able to lend me some assistance. I received a letter from Mackenzie Hal a couple of months' back. Same scenario, they claimed I owed them money etc etc. After searching their name on this sites Forum, i took the genral advise not to contact them under any circumstances. They have now sent me…
-
cutting back on out goings
what makes me think is if you have cut back on evry bit you can and you still don't have enough money to just live off what can you do,lights and switches get turned off if its not needed then don't have it on,you done the cheapest food shop possible what more can be done any ideas
-
bailiffs are coming
can anyone advise me i had a payment plan with bailiffs,had been paying for a few months and now because i can no longer pay it they are coming to take my stuff,i have been on the phone to them but they just not wanting to listen,not sure which way to turn,already lost our house and what little stuff we have which isn't…
-
In Debt !!! Which Way To Go ????
i have been in contact with national debtline who are sending a pack out to me, i just wondered if anybody had any advice before i start sending out letters to creditors & start making everything official. i have applied for a new bank account which is seperate to my debtors, as yet i have not defaulted on any payments but…
-
Help with Aktiv Capital
This is quite a long query but I am hoping someone can help. Over 6 months ago now I tried to do some shopping in River Island with my store card but it was declined. I rang GE Money who are the finance company who the card is with. They said to me haven't you been receiving the letters we sent you? I said no, they had…
