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Paying an old debt to another address affect my credit?
Hi all! hope you can help. 4 1/2 years ago I defaulted on a phone bill over an argument with the company over extra charges I did not agree about (took phone abroad and asked them before I went how much per minute I would be charged - the actual amount was much, much higher). Today I received a letter, forwarded from my…
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my SOA, any comments/advice?
Hi everyone Here's my first stab at an SOA having acceoted that we need to do something about or debts but really can't get to grips with doing a DMP.I've put everything I can think of in what I think are the right places although there are a couple of things I must point out. The littlewoods and m&s haven't been paid for…
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Help with westcott\provident debt
Hi i would welcome advice on my problem.. Wescott debt collectors have taken over my debt from a co. called ck edrupt, the debt was with provident... this is because i defaulted with edrupt on the agreed terms of repay.. i asked wescott for copy of cca and also the full breakdown of the account, i also included a 1.00…
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Fed Up, Brassed Off And Pig Sick. !!!!
I have just got to let off steam, before I burst.!!!!. We are on a DMP plan, and have been since March 08, paying back £1680 every month to our creditors....never missed a payment etc.....SO WHY DON'T THEY STOP HOUNDING ME. ! I am sick of phone calls and letters from, Clydesdale, Goldfish, HFC, ....and Lloyds TSDB are a…
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statutory demand letter need help and advice please!!
hi everyone, recieved a second letter from red dca this morningstating that they intened to serve a statutory demand against me!! in this letter the details are outlined, stating that a letter of assignment was sent to me on 06/07/2007!! what is this please as i have never recieved it!! the debt is for a hsbc credit card…
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DFW Weekend Chat 22/23 November
morning all, are all the early birds still snoozing? I'm having a slow start to the day, am up and dressed and just about to have some breakfast. I bought a huge pack of yellow stickered bacon so am going to have some of that and then stick the rest in the freezer. Need to take some library books back, decide what to do…
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Advice please
After you have sent a company a cca form the one where they get so many days to give you a copy of the agreement and assignment date. What is the next step please??? Thank you
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Saturday 22/11/08 What small dfw things have you done today???
:D 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,…
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I want to be happier about money
I'm not in debt as such, well not like the amounts that some people have mentioned anyway. I worry far too much, I know I do but I want to be in a better position than what I am in now. I work 15 hours a week as a Sales Assistant and earn £5-75 an hour. I do extra hours when I can. I was off work from May till September…
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Spending Diary Of A Poor Student :(
Thought i would start a spending diary....lets me see just where all my precious pennies r going. Feel free to comment (and criticise ha ha) on my spending, offer alternatives, SAVE ME PENNIES!!! But hey, imagine starting a spending diary on a Friday nite, oh man Im such a poor student LOL! Enjoy! Friday 21st November…
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Full and final from AIC
Hello Following telephone convos with AIC they have confirmed a verbal offer of F/F of 60% of the debt o/s. However, is the following sufficient? neither we, nor our client will pursue you any further with regards to the above account the rest of the letter relates to the amounts etc. Should there be anything about no…
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If they cant provide a cca
Hello, I would like to ask a question. I hope this has not been covered anywhere already. I am currently sending out cca requests for all of my accounts 14 in total. I have read a lot of advise about requesting these however all I seem to understand is that after the 12-2-30 has past I am in a better position. Everything I…
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Loan transfer to 0% card - is it possible?
Thanks for the support so far. Does anyone know if I can shift the balance of a flexiloan (£4300 now) to the Virgin card. The flexiloan is an HSBC loan, basically an awful arrangement where you can spend up to £5000 and they then take £200 a month by direct debit. I have taken out the Virgin loan and they have given me a…
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Will Lloyds TSB name change invalidate credit agreement?
I know that some of you will think that this is a daft question, but someone has got to ask it. Will LloydsTSB Bank PLC changing it's name to Lloyds Banking Group plc invalidate credit agreements?
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So Annoyed! - Notice of Default
I can kick myself actually! I received my credit card statement in the post today and it seems that I forgot to pay the minimum this month on it, for some reason I thought I paid it off in full last month. The statement included another letter that says on top "Notice of Default" and it lists the late payment fee... Will…
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E.on - Advantis
Ok, here is my problem, its a bit long winded, and I am not proud of this, but I was looking for some advice on how to go forward with this one, so thanks in advance: In May 2005 I moved into a flat with my (ex) girlfriend, upon moving in I contacted Powergen (as they were called then) - (I knew Powergen supplied the…
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Meritforce doorstep collection
Ok, getting really worried here. Had a debt that was passed to mackenzie hall, i wrote and emailed them a few times with no reply. I had a letter today (21st nov) from meritforce who are saying that mackenzie have passed the debt to them. The letter was dated the 7th of november and said i had to get in touch by the 17th…
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Newbie question
Hello i'm looking for some advice and this seemed the best place find it. I have been refused a re-morgage package due to a credit card that i couldn't manage to pay off. I am now in the process of arranging to pay it off in instalments i can afford(to a debt agency) My only other debt is another card which i'm paying off…
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Equidebt/scotcall - Ccj!!!
Have been paying Scotcall DCA for around 4/5years now for an old Woolwich loan which in turn is now owned by EQUIDEBT. During the summer I was off work for a while and wrote to Scotcall asking to suspend pyaments until I was back at work full time. They sort of agreed and I then contacted them again to resume payments but…
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Newsround is looking for a family affected by redundancy
Newsround are looking to cover the issue of redundancy from a child's point of view. They're looking for a case study of a child aged 9-12 whose parent, or parents, have been made redundant. They'd like to be able to talk to the child about the impact the redundancy has had on them. Ideally this would take place over the…
