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Found him again!
Me & OH have been together for 4 years. When he lived at his own address he used to get letters from a DCA about a debt that stemmed from when he was married (ended 2 years before we got together). He has never acknowledged these letters and has never made any payments during at least the last 5 years. We moved house last…
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Blank CCA received
Hi, I have written to Redcats requesting a copy of my signed CCA. They have written back enclosing a copy of an unsigned agreement and copies of statements with them. They say that this satisfies the requirements of Section 77-78 of the Consumer Credit Act 1974 in regard to supplying a copy of agreement and account…
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Blinking Nationwide
Help please loverly people! Long story short...have 2 credit cards, cant afford repayments (student, NHS bursary, not a lot extra comming in) and have offered reduced payments. MBNA are being really nice and have agreed. Nationwide are being a pain in the backside and are not agreeing and have just issues me with a default…
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VIRGIN up my interest rate
I am so mad with virgin they have sent me a letter putting my interest rate up by 15% from 19.9 - 34.9 i called them to justify it they told me that i was business they had serviced my account and decided to increase my rate he said he could do nothing for me even though they could see that i was only making min payments…
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Never going to be DF!!
Hi all, I've been on and off this site for a few years, and it's a bit like religion, I only ever consider it when I'm truly stuck!! So, here's the deal. As you can see from my signature, I have a fair bit of debt to chip away at, but me and my BF are now expecting a new arrival in April next year. I'm worried sick that…
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Still don't know what to do - HELP!
Hi Guys, I have posted 1 thread a few weeks ago, but now decided to do another one. Basically, I am confused about what to do...Keep reading stuff on here and keep swinging from one decision to another... I have now done my rough calculations and will list them now. I have been advised by CCCS to go Bankrupt, yet I am well…
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Debt company want full payment!
Hi guys Not sure if I’ve posted on the right forum – but I really need your advice please. Basically, I’m paying and managing my debt through Payplan – today I received a letter from Triton Credit Services in relation to my Natwest Credit Card – amount owed £1214.80 and they want payment of the full amount within 14…
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Help!!!!
Hi I'm new to the site so bear with me! Me and my husband have been paying into an IVA for the last 12 months over £1300 per month!, we've only been able to pay this because of friends and family have helped us out with the payments, but we can't carry on like this so we are going for bankruptcy on 23 September 2008, we…
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Its a long road's rambling diary...
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Cant afford a new bumper
Hi Last week our postman hit his bike into my car parked on my drive, its scratched and has a small dent on the bumper - which in my opinion needs a new bumper. I contacted royal mail and the postie is denying it hmmm obviously he would, i know it was him because i heard a loud bang, immediately i shot to the window to see…
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Pap / Moozie's What have / will you spend Friday 12th September?
Gooooooooooood Morning everyone:D just been to Mr T's but that is budgetted for- so hopefull a nsd otherwise have a great day and keep it low:D
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++++++++++++ Help Needed? RE: DEFAULT REMOVAL ++++++++++++
I sent a Default removal request 2 weeks ago to Capital One they replied today saying : "You requested a copy of the default notice we issued on your account. Under section 78 we are not required to provide a copy of the default notice and statement of default". Is this true????? What should I do next??? Cheers Here's the…
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Advice needed about additional borrowing
Hi there I am hoping for some advice! We are a large family and have always struggled to balance our books. (I am keeping a spending diary at the moment so hope to post a SOA in a couple of weeks.) Until Christmas we had cc debts of about £15,000. Anyway, due to the repayment of a family loan we happily have paid this off.…
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Help Please, Have got Info, where do I go Next !
I wrote the following to my Bank (The Account is Closed and has been for over two years, they are still adding interest and I am paying them back at £35pm as instructed under a CCJ) "I am writing to request a fully comprehensive list of all the default charges for direct debit, unauthorized overdrafts and standing orders I…
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Aktiv Kapital
Hi guys, I'm after a bit of advice! My girlfriend had a loan from Sainsburys bank approximately 3-4 years ago. After she fell behind with the repayments she was contacted by a company called Blair, Oliver & Scott who advised her that they had purchased the debt and were now managing it. After some time paying them, she…
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Debt management and out future
Hello all just hoping for a bit of advice. PayPlan have just sent our offers off to the 20 or so creditors we owe a total of 66000 to (at present). Our house is worth around 100,000 and we owe 77,000 on our first mortgage and 22,000 on our secured loan. If all goes to plan we will be paying the creditors off for around 5…
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Previous tenants debt, baliffs being sent round.
Hello, I bought a flat last July which used to be rented out by the previous owners. I still receive letters addressed to the previous tenants with one who seems to have been a constant gambler and get rich quick scheme addict by looking at the type of letters he gets!! Last week a letter arrived for this particular tenant…
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Barclays bank account
We are looking at going down the IVA/Bankrupcy option. (not started the process yet, sadly it is inevitable) As we have large overdrafts on our accounts having read through a couple of threads about Barclays I've noticed that before paying Direct debits out (such as the mortgage/council tax) when Barclays get wind of whats…
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Possible new job, shall I go for it?
Hi all, I haven't posted on here for a while but could really use all your fabulous advice. :money: I'm currently self employed but really haven't had a good year so I started to look into getting a job, first one I applied for has rang yesterday while I was out to offer me a position!! Its working for the DWP money is ok,…
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Friday 12/09/08 What small dfw things will you do 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…
