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**Daily Chat! 19/11/08**GOOD LUCK TOTO!!!
;) :D Toto came online last night about half 2 to say her waters have broken, soooooooo hopefully, Orlandia is NEARLY HERE if not already here!!! How exciting!!!!!! :j :j :j :j :j :j :j :j :j :j PUSH! PUSH! BREATH! GO TOTO!!!!!! :o :p ;) :rolleyes: :D :j :rotfl: :T :A :eek: :o
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How can I get defaults removed from credit report when no Credit agreement exists?
Please can someone advise me? I have defaults on my credit report from Ambrose Wilson, Simply Be and Aktiv Kapital and none of these companies can provide me with a true copy of a signed credit agreement. Aktiv Kapital are still trying to get me to pay them even though they can't provide a credit agreement. Ambrose Wilson…
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Last Monday Nights Panorama
Hi I watched Panorama last Monday and someone on there got £100,000 written off their £120,000 debt! They mentioned mistakes in the Credit Agreements issued by the lenders. Now my question is this; August 3 years ago I had a letter sent to me from Leeds Building Society saying I am Preliminarily approved for a £10,000 loan…
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Still Scared
Hiya Just got the new Bank A/C number. Cancelled all my/everything Direct Debits. Really frightened now.............nothing can be set up until the morning. Then I have got the appt with CCCS Hubbie still great but I deal with all this stuff & i got us into this brown stuff. They are phoning me at 10am Bloody bloody scared…
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Can i afford it....
Ok so, id love a house of my own, i earn just over £700 a month (in the middle of looking for a new job) you think i can do it? How much around would i have to save each month to start me off you think? Im new to this! (wrong forum im sorry! i just know il be put into ALOT of debt)
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Aeshna - Scared but determined!
Hi everyone I've been lurking about the forum for a while now, knowing in my heart of hearts that I need to face up to my debt, but not actually doing it. I took the bull by the horns on Friday night, and after a few deep breaths opened all the mail I've been opening but not actually reading. Gulp! I have officially now…
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Un-enforceable agreement
Hi All, looking for a bit of advice. I'm not one for shirking my responsiblitie but we have had massive problems with sorting out a payment arrangement with blackhorse. I asked them to send through what information they had on the account and they sent through a credit agreement which we signed that said that we wanted…
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Please help?!
I have to go to court tomorrow, as pasrt of an ongoing issue, as I've been issued with an 'Order to attend court for questioning' and been asked to produce all sorts of documents from the past year, which I don't have. It's really scary, and I'm going to have to go on my own, as my friend who went with me last time can't…
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Huge debts - house sale to help out??
hi, To begin with, let me simply explain our situation. We are a married couple with one 2 year old daughter and another child due next year. My wife is on redundancy alert, and expects to be offered this before Christmas. We own our house, and have debts of £60k. We're at our wits end, and recently came up with a plan to…
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Huge debts - house sale to help out??
hi, To begin with, let me simply explain our situation. We are a married couple with one 2 year old daughter and another child due next year. My wife is on redundancy alert, and expects to be offered this before Christmas. We own our house, and have debts of £60k. We're at our wits end, and recently came up with a plan to…
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I think this might be a favourite here - Mackenzie Hall!
My partner is getting letter to my house (I live alone with our daughter) his parents house and even his ex-MIL's house from MH. We're all also getting texts and phone calls from them. I know they can't do anything for an old debt and they can't take anything from any of our houses because he doesn't live there, but does…
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DMP & Capital One
Hi I have been on a DMP for 7 months now, my husband and i have done this entirely ourselves, before seeking help from Payplan or CCCS. We took advice from National DebtLine and they have been a great help. Everything has been going ok, although I have just experienced problems with Capital One regarding a conveniently…
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Taking the plunge
Firstly I would like to take my hat off to everyone!! :T I have been reading various threads for quite a while now and these have given me the strength to face up to my debts! I am currently in about £20k of debt. The thing that scares me the most about being in this much debt is the time it will take to clear! Stupid I…
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Pounds till Payday
Hi, I am new to these forums. I have a problem. A few months ago I took out a loan from pounds till payday for £400 due to financial hardship. They failed to set up the direct debit, which meant they did not take the money on my payday. I then told them that I could pay next month-they added fees, making a total of: around…
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Have you been in this position?
I have been a fan of Martin’s site and reading these forums for the past two years picking up hint and tips but it has come to the point where I have to ask for advice. I have a really great brother (24yo) who has some issues with money and I need some advice from people who may have been in his position (or people who…
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Mint Credit Card
Hi, I have cca requests to all of my credit card accounts. Mint has sent me a letter saying "The above account is not a loan account and therefore we are under no obligation or requirement to provide you with the requested information" Are they right? What do I do now? They have returned my £1 posal order. They refer to…
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My SOA - feedback please
Hi everyone, here is my SOA for you to pick over! I know that I should be absolutely fine as I'm very lucky and have a decent income, but I just seem to struggle anyway. There are a few items on here which I know are appallingly extravagant and need to go, but I thought it best to start off being honest about where the…
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Debt company using an old address
I'm currently one payment behind on my debt management plan with the cccs due to a large reduction in my hours at work. Today my parents have received a letter addressed to me from a debt management company with regard to a barclaycard debt, now I'm not surprised they sent a letter but as I've not been told barclaycard had…
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Urgent please help with my SOA
Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0 Benefits................................ 1166.96 Other income............................ 0 Total monthly income.................... 1166.96 Monthly Expense Details Mortgage................................ 0 Secured…
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Beware:mortgage rate cuts may NOT be passed on automatically
I have a tracker mortgage. I talked to my lender: they said they would not automatically reduce the amount I pay in line with the coming interest cuts. Instead of reducing the monthly amount automatically , they would wait for me to ask to reduce the amount to be paid. In other words, if I didn't ask, I would be overpaying…
