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on benefits, in debt
I am single and have been self employed in the building industry for the last 4 years. Unfortunately the work has dried up so I am hoping to get a paye job. However this seems to be more difficult than I thought so I have had to resort to claiming jobseekers allowance, housing & council tax benefit until I find work. I…
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My ex-bank sent my VAT return payment to debt collectors??
Hi My husband as a sole trader was made bankrupt last september and was advised by the official reciever that it would not be in our bank's interest to close our joint personal account (his business account was with a different bank altogether). However the HSBC bank when informed did closed our joint accounts without any…
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Who needs a credit rating anyway?
Since the lenders have tightened their criteria and the majority of us Joe Public types have little or no chance of getting any more credit for the foreseeable future, why don't we all just stop paying our credit card bills? It takes six years for a bad credit mark to disappear from the end of our credit rating and they…
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Final notice from Marston - wrong name
I hope it's OK to ask this here, I looked through previous posts and couldn't see anything quite the same. This morning I received a FINAL NOTICE pushed through my letterbox from Marston saying they will return one morning this week to do a "domestic removal". It's not addressed to me, there's no address in fact, and the…
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In Debt We Trust
Hey all! My friend sent me a link to this film (if you are london based) I was thinking that it might be really worth seeing- what do you think??? Have any of you seen it before? Its called In Debt We Trust http://www.jerichofilms.com/treasures/
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Help Needed, Lots Of Debt :(
Hello, I am new to these forums and really need some advice ona rather difficult situation. I am around £16000 in debt. This is a mixture of personal debt (loan and Credit Card) and also business debt from a little shop I used to run that I had to shut down recently, this debt comprises of a Credit Card a Loan and an…
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New start ... with a little help.
Hi, Ok, well i've been dipping in and out of this site for ages and i've been 'trying' to sort myself out for even longer. it just seems that every time I get somewhere I do something stupid, or careless and mess it up and end up back at square one. Well i'm fed up of constantly being in debt, constantly having no money…
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phone calls and debts
i keep getting the phone calls off the creditors asking for money, even though i have sent a pro rata payment (income/expenses/list creditors) to all my creditors so they can see what i have, anyway have just had capital one ring me, after telling them to read my account details she tries telling me to make the pro rata…
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Urgent please
Hello everyone Sorry my post is a plea for help But I am desparate now. In 2005 I received a parking ticket and A FINE for going through a red light bithe within days of each other as my hubby walked out after 26 years and I was devestated to say the least. Anyway 4 months after I had a letter tell ing me the fine which I…
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Who do I contact? CapQuest or HFC?
I had a credit card debt with HFC, on a Marbles card. I missed payments etc because I'm an unemployed student and they passed my debt onto a company called Capquest. I was directed to a website called grumbletext.com from this forum, where I found a lot of other people had had dealings with Capquest. With a user's help on…
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replies to cca requests
Hope someone can help please. I dont have access to a scanner at the mement so i have re-typed the body of the letters I have received. both are letters for cca requests for credit cards. 1st is Cabot financial 2nd is Activ Kapital, both say pretty much the same thing Cabot Your request for information under the Consumer…
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Hit me with your best advice (please!)
hello, new here. Although Im not quite thousands of pounds in debt, Im worried. Im getting near my overdraft limit of 2,250. Im about £1,900 overdrawn. Small potatoes. But, when I get to the limit, thats it because I will have zero money. Ive got 3 kids, age 8, 4 and 3; my partner works, earns alot in summer,…
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What Now ????
I have recently CCA`d Intrum Justitia and been told in writing "no CCa available" , sent them a "no home visits" letter and asked for a refund of all monies paid to them. So far not a peep after 47 days!! Ive also Cca`d MBNA without any response at all, no reply to letter 1 and 2 and only 5 days to go till 30 day deadline.…
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another plea
I have had a letter today from a company saying I owe then 385.00 for vodaphone mobile.................. I have never had a mobile from vodaphone can someone put me in the right direction of the letter I have to write to obtain details please thanks
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Intrum Justicia
Intrum Justicia does anyone have the number please thanx as misplaced it x:beer:
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Writing off debts and more questions
Hi not wishing to go too deep into stuff as you will see as this progresses, but... do credit card companies and banks write off debts under certain limits? Eg: MBNA £1700 Barclays £2000 these were at least 3years ago, and for 2 of those years i was classed as not here in UK. now i am reading about reclaiming charges, and…
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Barclaycard 19.90% APR what to do?
Hi there, As you can see from my sig me and OH have quite abit of debt. Everything is undercontrol and payments are always made on time and way over the min. payments. The one thing is his Barclaycard which is at 19.90% and stands at nearly £3k!! We are not able to get anymore 0% on balance transfer cards so I was…
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Think happy thoughts
I have been a member on here for a while now and at times have made a real impact on my debts but due to living with a ‘Serial Spender’ and series of other life changes and incidents along the way, I now find myself in loads more debt than I started with! My partner and I have been very down about it lately and had a few…
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Help please with snowball
Hi everyone I want to snowball my debts, but what do you do when you are paying 3 different interest rates on one card? On my barclaycard, £10,400 of the balance is at 2.075% per month, £6,100 is at 1.313% per month and £2,850 is at 0.561% per month. I can't put it down as three seperate cards, as the snowball will say to…
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Revised SOA...
Since its been over a year tackling my debts, i thought id do a new SOA, as we've moved properties, lowered debts etc. Total debts at LBM were over 40k, now they are half at 21k. So here goes: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2100 - This can be…
