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letter of authority
could anyone tell me what i have to include in a letter of authority. my husband has taken an iva and needs to include a letter when he sends of his application janette
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CL Finance / Lewis Group
Hi everyone, Have you heard of these people? When I was checking my credit file, they are on there. It says satisfied but also defaulted. I have no idea who they are. I've not defaulted on anything. I had a CCJ in 2001 but that was with GE Capital. Thanks Naomi x
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How To Save Money On Food
I know this sint strictly debt free, but it is as it will help me get there quicker!! I noticed in a few threads some people stated they spend £50 a week on food for their family, someone even mentioned £50 for nearly two weeks. I just wondered what meals i can do/what i can buy which will save us some money - its only me…
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Advice please
I was reading on another website that a lady had sent the standard letter below and when she received a letter back from the debt company they stating that she had accepted the debt because she had paid money in to the account. This happened to be the £1 Postal Order sent. Now Should I add something onto the letter, like…
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Reducing Credit limit on credit cards?
Does anyone know if reducing your credit limit on a credit card affects you credit score? Thinking of reducing my Barclaycard limit from £950 down to £700 so I can't run it up again.
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Potential problem with royal mail POD, is this letter ok?
I sent out a letter to a DCA who say I owe money to what looks like a catalogue debt. I don't know anything about this so called debt and after doing some research here, I sent off the request for the credit agreement under CCA. I sent the £1 PO and sent the letter recorded delivery on the 31/10. I've looked in the royal…
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Alliance & Leicester (MBNA) no to DMP
I wondered if anyone had any experience of Alliance & Leicester Credit Card (managed by MBNA) as we have received a letter from CCCS to say they are not willing to accept the DMP offer and if we receive notification that it has been passed to a DCA to inform them straight away. Does anyone know who the DCA would be and…
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DMP - Full and Final Settlement - Help !!
My husband is due to be made redundant within the next few months. As he has been with the company for over 20 years, it is likely to be about 30k. However he is not qualifiied in anything else (currently doing a part time plumbing course) so we are not sure whether to keep all the money until he finds something or to pay…
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Default Notices
I recently applied for my Credit Report from Experian and was shocked to see that there were 4 Default notices registered against me. 1) Barclays Bank £262 - satisfied 2) Baclays Bank = £2580 paying off at £110.00 per month 3) HFO Services which is credit card debt for £3624 which was satisified by court but not listed as…
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Proposed amendments to SOA Calculator
Thanks for your suggestions for enhancing the calculator. Having discussed it with a couple of debt experts (one a CAB advisor), looked at the benefits versus effort involved and considered what is technically feasible, I have come up with the following proposed amendments. Some of the suggestions came from TMF (where the…
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Pay Day Advance - a downward spiral...
Hi, This is my first time posting in this forum. I am in need of some serious help. Some months ago, I took out a Pay Day advance. This was for £300. I would never have touched that pay day loan had I knew where it was going to land me. The following month, when it was due to be re-paid, I couldn't afford to pay the whole…
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Help - heard something scarey...
I have been talking to my cc providers about my debt issues and how I can start sorting it all out with their help.... one has agreed that I can pay £50 per month with reduce interest etc etc and another has sugessted a consolidation loan as they stated that if i wanted to do an agreed payment that would be a payment plan…
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snowball calculator
i am trying to save my snowballs but it nevers works - is this the same for everyone? i have to re-do it each time.
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Amex debt collectors
Hello, Please can someone help me with regards to this: Newman Debt collectors again contacted me today with regards to my offer of a token payment for the next 6 months with details of my income and expenditure that I prepared with citizens advice and stated that they do not take offers at all and only want the full…
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Suggestions would be appreciated
Hello everyone This is a shot in the dark coming here for advice/suggestions, but people on here have a wealth of information. My brother lives in Canada and is starting up his own business. He is a Canadian citizen and has been for a number of years. He called me last night desperately worried about keeping up with all…
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Advice on a Barclaycard debt, please help.
http://forums.moneysavingexpert.com/showthread.html?t=1278565 The above is a link to my post that I put in the credit card section but I think may be better here. I have a question that is not in this post. Barclaycard say that they cannot go back further that 6 years in providing me with statements, is this correct? I…
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how to proceed with very old credit card debt
I have sorted a lot of my debt out this year...i have less than £2000 left now EXCEPT for 2 credit card debts which I haven't had any contact with for years. I got the cards in either 2002 or 2003 (cannot remember when) but I obtained them by lying about my income at the time...i got credit limits of 1,500 and 2,500 on the…
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Long time reader, first time poster
hey all...ive decided to add a post after yonks reading all of your's. I have £4300 owered to Virgin Credit Card, £2000 to car finance and approx £3500 to Halifax loans. I turn 30 in 2 years (feel 12) and hope to pay this off but find it so hard to even meet the minimum payment of the credit card due to the interest. I…
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Can creditor charge 'Fee' while on agreement?
I have been in an 'Agreement' with creation finance for a fair few months now paying £10 per month (the debt is about £250 in total). I was a few days late paying this month, and have received the below letter saying they are charging me a 'late fee'. Can they do this while I'm on an agreement as I thought they couldn't…
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Asking to freeze interest while on DMP with CCCS
I've been in a fair amount of debt for a fair few years and am paying them all off slowly through the CCCS. The banks and credit card companies all agreed to the payment plan (and froze interest for a year or so) but in the last year many of them have started charging me interest again, which isn't insignificant and means…
