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MBNA & Capital One CCAs not returned
C1 should have returned my original CCA by 22nd March 2008. The debt has since been passed around DCAs, and now C1 claim to be dealing with the outstanding debt. However I still haven't received the original CCA. All letters were sent to the current DCAs, not C1. Should I write to C1? MBNA should have returned my original…
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Is this too good to be true?
Hi, I received a letter today from one of my many creditors, Aktiv Kapital saying that my debt with them is £1,508.56, but if I act within the next 10 days they will accept £150 in full and final setlement. I phoned them and it turns out that they are part of a larger debt recovery agency called Thames Credit. I have 3…
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Legal Charge
i have a legal charge on a joint mortgaged property for a debt in my name when the chage was placed i had no way of paying the debt charge was placed jan 08 things have got a bit better and i can now start paying i have spoken with solictors dealing with my debt and offered to pay £60 per month they refused saying they…
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credit report?
firstly sorry if this is in the wrong section Ok . . . so we've sorted out some debts since beginning of this year and they are still showing outstanding on the credit reference (experian) Now i know the DEFAULT stays on there for a number of years but they are showing as still outstanding even though they have been paid…
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wescot cca help!
hello every1 need sum help, sent a cca request with a pound cheque on the 13th may but they have never responded except they cashed the pound cheque ....so stopped paying them then got a letter a few weeks pack of wescot so i sent the accont debuite letter...wescot sent me a letter on sat saying they were investigating the…
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company going into administration (we think)
(Not sure if right forum) Hi Posting on behalf of mother-in-law She has been taxi driving for a firm called All Destinations based in Dover. Doing private work for Saga who outsourced the taxi work to AD. It seems AD have gone into administration and Saga now doing the work themselves; luckily still want the Mother-in-Law…
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Dilemma -OH debt
I have just found and read something that I don't think that I should have but have found out that my oh has a loan for £5K that I was not aware of. I don't know what to do. He is very cagey about money esp since he had some problems many years ago, these were sorted we were back on track then we got a mortgage together…
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Blacklisted Property :s
I am asking this on behalf of friends of mine. They moved into their property a couple of months ago to find that the previous tenants (who had moved out about 6 months previous) had ran up a large bill with British Gas which was still unpaid. They have letters from the litigation department of debt collectors saying that…
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Help please!! Court papers have arrived need advice on CCA etc
I hope someone can help or point me in the right direction, I have had court papers arrive today, clerkenwell & shoreditch county court. Can I still ask the debt collectors for a CCA at this late stage and if so what do I do with the court papers, what do I put on them etc? Many thanks in advance.. Canaan
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What is worse Arrangement to Pay or Default
Hi just wondered what is worse, I am concerned that for example I have 3 defaults which will come off in 5 years but I have about 8 other accounts where I am on an arrangement which might last say 6 years and Im guessing once these are paid off they will show for another 6 years Help, need some advise please thks
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£5000 over six credit cards! Please help me! :D
Hello all :) I'd really appreciate any advice on my situation, especially from people who have been through similar things. My situation: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 600 Partners monthly income after tax....... 0…
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"If only they could all do this" thought.....
Hi everyone. On a previous post I mentioned that I was paying the Abbey extra money as I felt bullied by them into doing so - this extra was on top of the money the CCCS are sending them (but the CCCS did not know about it). However, that extra money I was sending them has now had to be diverted to the mortgage as this…
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Someone elses debt
A few years ago, when I was still married my husband and I took out a loan for around £6k for my parents as they were blacklisted and could not get a loan themselves. They agreed to pay me by standing order each month a set amount. 2 years ago me and my husband split and this was the only debt remaining. It was then though…
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Help Help Help .are Reliable Collections Coming?
I Had A Letter A Few Days Ago From Reliable Collections On Behalf Of Jd Williams To Say They Would Contact Me At My Home Tonight Bet 6-9 Tonight. I Presumed It Would A Phone Call But My Daughter Says It Will Be A Visit!! Now I Am Scared-what Do Yo Think ? The Amout Owing Is Around £350 Based On One Item Bought At Around…
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Reassurance Please!
I wonder if anybody can give me any reassurance on this please. My ex-partner insisted on taking out a secured loan to pay off his credit cards and overdrafts as he thought this was the best way to do it. Then in February this year he left me and our 5 month old baby! I believe he paid the March payment but he hasn't paid…
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Eye Need (Private Eye)
That column at the back of Private Eye where people ask for money ("Broke and desperate - husband left me with debts of 30K"/"Need 20K to finish medical school, please help - Barclays S/C 20-00-00 A/C 1234567" and so on). Are these successful - i.e. do people actually send money to these people? Are they genuine, or are…
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My SOA...........please be honest!
Well I have done an SOA and really need some help and advise. Have no idea where the 'extra' money goes. Have never really done the whole budget thing and really we just stumble from one month to the next. All advice would be very gratefully appreciated. Dont be afraid to be brutally honest with me!! Oh also we live in…
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Debt by CDL and credit card - help me
I tried to pursue a new/start career and took out a career development loan with my bank as i was advised by the job centre to do so. The course started in early 2006 and i borrowed about 5000. after finishing the course i did not complete all the exam cause i finally found a job after a long time of been unemployed. I…
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25% offer letter
I have just received a letter offering from one of the companies which owns part of my debt, offering to clear my debt in full and final settlement for 25% of the outstanding balance. I have 10 days to accept the offer. Do I go ahead and clear the debt or is there a catch, if i'm reading this correctly they are offering to…
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PayDay Loans
Are these worth getting? I was going to get a small bit of cash from one of these websites and pay off the arrears on my credit cards so at least then I wont get hassled.... Thanks!
