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Indian call centre call re debts
I have received 2 calls from a call centre saying they see I have debts of more than £5000 and are obviously going to offer to do me a consolidation loan or what ever. As I have no debts whatsoever I am intrigued to know where they are getting the info from or are they just random dialling and hoping for the best…
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Welcome finance arrrghhhhh
OK lesson learned yet another harsh life lesson give welcome a wide berth....but i need some advice please I took out a loan for 2000 pounds in 2006. Fast forward to 2008 and i still owe 1873 pounds - i have paid them over 3500 to date yet due to all the charges / interest which add to the same amount it is never going…
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Welcome finance arrrghhhhh
OK lesson learned yet another harsh life lesson give welcome a wide berth....but i need some advice please I took out a loan for 2000 pounds in 2006. Fast forward to 2008 and i still owe 1873 pounds - i have paid them over 3500 to date yet due to all the charges / interest which add to the same amount it is never going…
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No CCA and debt passed on
Was hoping someone would be able to give me some advice... On 20th Feb I requested the CCA from a DCA that was chasing me, I heard nothing. So, on 28th March I sent them a follow up letter informing them that they had failed to comply and also advising them that whilst this account was in dispute they could not pass it on.…
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urgent advice needed tonight pretty please
hey guys hoping that some one can answer this ..I have an outstanding magistate fine owed by my daughter who was 16 when it was given ..after missing just two payments it was sent to marston baliff who contacted me saying that they are in possesion of a distress warrant and claming that it included their charges .. I rung…
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Beginner to claiming back- please advise
Hi all, Now I've been on the DFW wagon for a long while (albeit holding on by dental floss at times), I thought I'd investigate what everyone means when they say they are claiming back charges/PPI/getting a copy of the credit card agreement. I watched the panorama thing last night (hated that money-grabbing couple- they…
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Sudden additional charges to Debt Management program
I am currently in a Debt management program with a company who frequently appear to make 'mistakes' when paying my creditors. I have recently had a phone call from them stating that the Trading Standards Office have recommended that they increase theyre fees by a certain amount(can't remember how much), because of the…
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old debts need advice please!!
hi everyone i nedd some advice as i have recently recieved a letter from red debt collection services stating that they are considering serving a statutory demand on me. the debt was originally withh hsbc and was from a long time ago possiby more than 6 years! it is for 1598pounds. i have also recieved a letter from lowell…
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some advice re out to sort out.
Hello, I am facing a huge problem. I am about 30 k in debt I do have a job and due to personal circumstances last year (I lost my mother) I went onto a self destruction mode. I basically took the decision that it was not worth it anymore. I started to lose money left right and centre (by losing I mean buying shares knowing…
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MY SOA - help, ideas, advice please?!
sorry deleting this
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Job risk increasing - anyone else?
Hi Just been speaking to my boss, feel so frustrated, looks like as a recruiter the area I'm working isn't taking off fast enough and not turning a profit (been working it six months - though been through 2 ops in that time) When I took the role in June it was Oct will tell - would have given me two months before Christmas…
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Payplan
Hi All, I've just been in touch with Payplan about my debt. I have around £28k of debt all with the Halifax (credit card, 3 loans and bank account). I contacted payplan because I want to get rid of my debt and also do not like paying a fee on my original DMP with Gregory Pennington. All my debt is now with Blair Oliver &…
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debt advice needed
Please a bit of advice is needed. I have posted on the ccs website but no-ones home. We owe debt to credit cards, no personal loans or store cards. We owe in total 65k. Having filled in the questionaire on the cccs website, we have a question about the income section. On average o/h earns £2409 per month with child benifit…
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Full & Final to get rid of overdraft?
Hi Folks, I'm considering offering my bank a full and final settlement on my outstanding overdraft. I've been made redundant (last week) and currently have a little bit of cash available, although it will soon be absorbed into bills and living costs if i dont do anything with it! So my question is, at the moment im on a…
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Please Help - Default Notice
Hello all, This is the first time I have used this forum and I'm hoping that I'll get some help. I recently changed a direct debit date on my bank account for my Egg Credit Card. In doing so the original DD was cancelled. After a trip away to Germany I returned home to find letters from Egg including one stating it was a…
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Not sure what is the best thing to do next
It's my first post here, though I've been lurking for ages trying to make sense of what the best thing to do next is. Anyway, below you'll find my SOA, and in addition to the general advice about what I can cut out of my expenditure, I welcome your comments specifically relating to the following issue. You'll see that I…
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My Lightbulb Day
Good afternoon all. Today marks my lightbulb moment after many months ignoring / semi-tackling my debt problem. At 9am this morning my debt total stood at £21,130 excluding my mortgage. This breaks down as follows: £3480 on an Egg Money card at 6.9% £8850 on an Egg Credit Card at 0% until May '09 £6900 on an MBNA card at…
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Cca
Hi can anyone help. . We are up to date with all the payments on our credit cards and loans etc but we are starting to struggle as hubby works in building industry and obviously times are getting harder there!!!! I can see over the next few months us starting to fall short on payments etc and just wondered what the best…
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council tax baliff threat
hi , i thought i had paid my outstanding errears transpires it was from 2 years ago they they forgot about ( council ) baliff said he sent letters only one sent at my address , contacted them and wont acess my file the person who has the case ref no i have made an automated online payement of £100 pounds total amount £557…
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1st Credit default
I looked on my credit file today to show that I have received a default notice from '1st Credit', allegedly for an unsecured loan of £886 which I have no recollection of. Coincidentally, I believe I owed Citi the same amount of money and if I'm not mistaken this is the debt collector who they employed to take care of my…
