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Council tax - bill for arrears
Hi all My DD is having a tough time, having dropped out of uni, got into arrears with her rent (which we paid off) and currently living between her BF (also a student) and home with us. We knew that she had not paid any council tax last year when she was living in a house with students as the sole person working. Too proud…
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Yahoo/mafia Is Spam Do Not Post
The title says it all. This person is posting all over the forums the same cr*p & ha salready been reported.
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HSBC Collections Outgoing Calls - where are they based?
Had a couple of calls over the weekend from these cretins, but they had accents I couldn't place. Could be India, but they were speaking very slowly with strong North American accents, but with poor diction, like they weren't native English speakers. Anyone know where they're based?
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Unemployed and they are trying to get me to pay?
Hi please see below my current finacial state. The thing is I have not long finished a contract with a company and now I am unemployed. I dont see employment coming very soon! The money I get from jobseekers allowance is what the LAW says I NEED to live on. Can these debt collecters really as for a piece of this? They ask…
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Consumer Credit Act - help?
Hi everyone, i recently watched Panorama episode about the above piece of legislation and how this can be utilised to 'wipe out' some debt. They advertised a firm who would contact your creditors on your behalf asking for the original agreement they would then go through that document and if anything was a miss then the…
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Need help/advice with debt.
Hi, I have a few credit cards, overdraft limits etc and I am unable to repay them. I am about £5000 in debt, the amount is spread over different banks. The money I get at the end of my working month isn't enough, to cover the costs. I heard you can take a loan or something, that repays ALL the debt and then you pay one…
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Dlc / Hillesden Securities Ltd
Good day, I currently have an issue with the above. I had a Citi credit card (£7000) which I could not pay due to unemployment. The account was passed to dlc. I started work 6 months ago, so got an agreement with them to pay £ 52.70 per month by direct debit which I have stuck to.They confirmed the arrangement in writting…
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CCA after April 2007
Can someone explain to me what the difference is ?.I read something about you can do this or that if your CCA was before April 2007.My account was opened May 2007. What does this mean for me ??
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Jelly Belly - sample link working
Now working http://www.jellybelly-uk.com/cgi-bin/jb/survey.pl it's taken me months!
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Gonna try to CCA route - have you had success?
Hi Thought seeing as losing my job and getting less income might try requesting CCA I know it's on here somewhere but if someone has a draft that's worked for them I'd be really grateful! Also anyone who has been successful I'd love to know who against! Also can you try this for Overdrafts? Thanks Pip xx
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few questions about Experian credit check...i have 8addresses??!
So i've been on my Experian credit report and i have 8 other known addresses? I have lived in this house since i was 11 (am now 21) And i lived in student halls in Dundee for 7 months in 2006-2007 All the addresses are for the halls in Dundee, but under different flats? like room 5 flat 12, room 4 flat 5 etc. I remember i…
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Divorced and helping ex get mortgage
I'm a newbie so if helpful repliers need questions answered please ask - I'm not shy! I am a husband who left 18 months ago and am trying to find ways of helping my ex stay in the mortgaged house while allowing me to get another mortgage. I read another thread in which there were discussions about what could be done if the…
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Help please !!
My barclaycard amount has been passed onto Mercers.Can I phone and simply ask for a full and final settlement ? Ta much !
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Clearing Debts V Saving
Hello Everyone, I have been thining about this, just wondered what everyone elses opinions are. OH and I are lucky to have quite a bit left over at the end of our bills to help clear our debts - we just havent bothered trying until this month!! I have noticed that a few people are saving as well as paying towards their…
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On a DMP and want to treat one creditor differently...?
This gets a bit complicated - please try and persevere! I'm on a DMP (so far so good) but to cut a long story short, I cannot get any sense out of HSBC, with whom I have an overdraft and a loan. Putting aside all manner of other stuff, basically the problem is: My HSBC current account (which I no longer use) has a standing…
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How long do they get to send my application ?
Back in September I asked for my application as I am sure I didnt ask for PPI,which I have paid every month since I opened the account.I received a letter in September saying that once they had hold of my application they would send me a copy.I'm still waiting .... I sent in a secure message regading this and they got back…
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parking fine equita pls help
hi today being sunday i have till tomorrow to come up with 360 pounds to pay equita otherwise they will take car and or goodsi im unemployed i have done the wrong thing by ignoring letters regarding fine as have no money i was hoping to find work then pay debts. ive been to cab they phoned equita for me they say they wont…
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Debt help please!
Hi there, First post! I'm in trouble...Have stopped using my cards, cut them up, and just faced reality and counted up my debts so here they are... £53,000 credit cards £15,000 unsecured personal loan £1,500 overdraught £1,400 tax credit overpayment £1,000 studio catalogue I've read a few things on here, and wondered how I…
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Credit Scoring
Hi, I'm not sure if this is the right forum or not but it seems as good as any. I'm married with a mortgage in joint names. The mortgage (a 2 year discounted self cert tracker) with Platform returns to its full rate of 2.0% above the base rate in april 2009. It's currently 0.69% above base rate. I have a salary of 25k…
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Bring a smile to DFW's - what silly thing have you done when trying to save money?
Hi I just thought we could all do with some cheering up, I've become a real electricity saving freak (solely electric house) the other day I had finished sorting out the washing so I walked to the kitchen door, switched the light out and closed the door... at that point my DH went "hu hum i'm still in here" :rotfl: I…
