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Requesting a default pros & cons....
Let me just outline the circumstances.... I'm in a DMP. I have been since March 2008. All my creditors have either stopped/reduced interest and stopped charges. Except one, Black Horse. They were about to send the account to default when they agreed to the DMP and kept the account with them rather than send to a DCA. My…
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tuesday 18/11/08 Wht 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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** Daily Chat Thread 18th Nov
I am procrastinating again........should be revising.... Hope everyone has a good day......if you see me on here - SHOUT!
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Fredrickson International Help plz
Hello, Over the past year i have been paying capquest by DD for a debt i have with littlewoods, Which i have no problems with. Yesterday i got 2 letters one from capquest saying that i have £175 left to pay and they are uping my DD which also i dont have a problem with. The 2nd letter i got was from fredrick international…
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Oh Dear
Please does anyone know the answer We brought a car from fords and had it for 2 years paid every month then my hubby walked out and I was left to pay, I kept up payments for as long as I could then fell behind, they took me to court as I had paid over half and I got it suspended as long as I paid. Fords then passed it over…
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Worried about the finances
I have been looking for a new job for the last 4 years. I have been working for my current company over 10 years but have felt for a long time that I wasnt going to progress there and that the morals of the company are less than honorable. I have been offered a new job that would get me into the field that I have always…
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SOA finally had nerve to do it
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 386.24 Partners monthly income after tax....... 0 Benefits................................ 962 Other income............................ 100 Total monthly income.................... 1448.24 Monthly Expense Details…
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Wescot Credit Services LTD
Hey, Im living in a rented house of 3 students, this morning recieved a postcard in the post from the company. The card asks for 'The Occupier' to contact them on the number given, 01482, and to talk to a certain person with a reference number. I understand that this is a Debt Collection Agency, and none of us in the house…
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What weight are you?
HI......... Is this a cheeky question ,ive always struggled & stil am struggling with my weight but ive lost 1st 3lbs:j :T :T :T :T :T :T wish im happy about but being 5' 2" & being 11st 13lbs:eek: :eek: there ive said it........ So any1 like to share their weight?.......
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a question about removing a default entry.
I had a mobile phone account for 1 year with "3" and canceled the account after becoming disillusioned with the provider. "3" claimed that I had a contract for 18 months and was responsible for paying the remaining 6 months. When I told them that I had never signed a contract they told me that the contract was a verbal one…
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Time for change - help needed by numpty!!!
Hi all, I need help and quite desperatly. 3 years ago I went on a self destructive phase that started through severe depression. Through this time I drank myself stupid, ruined my relationship, quit my job etc etc. My credit rating until this point was very good, I had 2 credit cards and a £1000 overdraft facility, a motor…
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CCA for HP?
Can someone please advise me if an HP agreement would be covered, I am wanting to request my CCA but want to get my facts straight first! Many thanks in advance to anyone who can help.
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I'm paying my old Scottish Power debt as agreed -they've sent the debt collectors in!
Hi everyone - I can't even start at the beginning with this because it would go on forever, but basically Scottish Power told me 4 months ago I had an old outstanding debt from an old address for £175, I agreed to pay £25 a month which I have been paying and have all the receipts. Last month (just after I'd made the 3rd…
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There has to be a solution
Not really sure if this is the right place, I am just looking for some advice. Husband and I are newly married (small wedding, no loan) but we are arguing so much over his debt its untrue. Circs are this we are both Government employed and earn in excess of £45000 a year. The problem is DH has financial commitments in…
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Cca
I Have Been Reading About A Cca On Here For A While. I Have A Balance Of 4000 On A Credit Card With Barclaycard Which Has Been Passed On To Mercers. Could Somebody Please Explain What I Need To Do In Regards To Doing A Cca. Thank You In Advance. (p.s Sorry If This Has Already Been Answered A Million Times )
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My marriage is over I am gutted
Well after 17 years with my hubby after a pretty stressful weekend we have called it a day. I won't go into reasons why as don't think is the place to air it but needless to say I am devasted. I am fed up crying and trying so hard to hold things together for my little girl and so scared of what the future will bring for…
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hi` i`m new to this, but old debt and being harrassed about it????
I have an old debt from 2001 which i got a ccj for. 2 weeks ago i got a letter from BCW(BUCHANAN , CLARK AND WELLS) SAYING i was owe £1500 and had a court order granted against me. I sent them a letter from this website with the £1 so i could get the full print out of the account. They recieved the letter on the 13th nov…
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hi` i`m new to this, but old debt and being harrassed about it????
I have an old debt from 2001 which i got a ccj for. 2 weeks ago i got a letter from BCW(BUCHANAN , CLARK AND WELLS) SAYING i was owe £1500 and had a court order granted against me. I sent them a letter from this website with the £1 so i could get the full print out of the account. They recieved the letter on the 13th nov…
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Capquest Statutory Demand letter - lots of questions HELP!
Hello, Ive received a statutory demand letter from capquest today for the sum of £2419 which stated "Power of arrorney" Royal Bank of Scotland. Now this is for a student overdraft account, which i havent paid any cash into for over 6 years - def 5 years. My questions are - i live in England now, but any of my debts would…
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Please, please advise me about the mess I am in!
This is the situation, I am a student and have 3 credit cards, 2 of which I pay the minimum amount each month, the third I have not made a payment for over 6months, I have since moved house and not updated the details with the credit card company, I get calls daily from Intrum Justicia (I assume this would be connected)…
