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My SOA. What a mess to get into.
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2250 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 2250 Monthly Expense Details…
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Wescot/O2 mobile debt but no contact at all!
I had an 02 contract and cancelled it back last Feb and ported the number over to another network, then, back to 02 again for a better deal. Number has stayed the same ever since. I paid what I assumed was the final bill in March and had no further correspondance about the account at all. I moved house in May, put all my…
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Lowell & a CCA Letter
Last Thursday my husband sent a CCA letter to Lowell from one of your standard template letters. Today he received this response, please how should we respond to this. We are in receipt of your request for a copy of your credit agreement in accordance with section 78 (1) of the consumer credit act 1974. We are requesting a…
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Thanks to all the help
I would just like to thank everyone who helped and gave advice with my mums CCA letter. She has today received a letter from Wescot saying they were unable to find the paperwork requested therefore will not be requesting any money from her!! Thanks so much. Dee xx
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Mob phone debt
DD3 has gone abroad to uni for a year. Before she went, she had a dispute with Vodaphone, who had overcharged her. She tried to get it sorted b4 going abroad, but without success. The debt has now been passed to a debt collecting co. (DCL) who are persuing her at her home address (ie here!). I have told them she is abroad,…
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Complaint letter to HBOS any thoughts?
To whom it may concern I am writing to Complain with regard to the appalling way in which Halifax/ Bank of Scotland have handled my personal details and my personal loan. I began receiving phone calls to my home in September 2008 stating I had arrears in payments to my loan, as far as I was aware any arrears had been…
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Marlin Financial Services
Hi, my partner was with an ex for 3 years, im now with my partner for 5 years in April 09. My partner received a letter from Marlin stating they want £7601.83 for car finance his ex got, they can not find her and they say as his name is on the credit agreement he is liable for it all. We have asked for a copy of the credit…
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Help with Credit Consumers Act 1974
Hi all, my name is 'Red' Im new to forum. How is everyone doing, getting rich and most importantly debt free I hope! LOL :D Ok, I was wondering if anyone could possibly help me. I know that there is a lot of the same info in this forum on the CCA 1974, However, I was wondering if someone could please provide me with a…
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Advice re DMP please
We are struggling to make payments on everything we owe and I am beginning to think that a DMP may be a suitable solution. I have already tried to negotiate with creditors myself but to no avail so would really like CCCS or similar to help out. What I would like to know is can CCJ's still be registered when your on a DMP?…
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A friend in need. Apparently.
Hello everyone I just wanted to sort of vent my anger somewhere.. I am getting so wound up by someone i work with. She is a lovely lady but recently my opinion seems to be changing. She has always struggled with money, and i always felt really bad for her having to get by on her own as her husband left her (about 10 years…
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jenkofreeze's Statement of Affairs (edit)
Hi all! Is this the correct place to pst my 'Statement of affairs' or whatever you call that initial post where I need to outline my financial woes... I mean status. Looking forward to interacting and offering ang gaining support from all of you. I have VERY irregular internet access, I've searched but can't stay online…
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How much for personal spend - can someone help?
Hi everyone... I'm a student at the moment and to be honest my finances are a bit of a mess! I've got stuck in the mindset that when I finish uni I'll be earning x amount and so it doesn't really matter what I spend now. I admire anyone who can sit and go through their bank statement with a fine tooth comb - I have so many…
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Court Claim Issued
Hi All, I have just been issued a court claim from Bryan Carter Solicitors for a debt around £9000 I was wondering if its possible to get a repayment arrangement with them without the persuing the CCJ. I dont want another CCJ on my file as my credit file is already pretty poor! I have 14 days to reply to the claim, what do…
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CCA Reply
Hi there, Sent away CCA requests to my credit card providers, 10 days ago and have had a reply from 1, American Express. They say that because of the Electronic Communications Order 2004, that companies don't need a signed CCA. So they sent me a standard 13 page CCA, which had no mention of my name or agreement number and…
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Credit resolution services help needed
Please help me if you can. I was a member of golds gym which I cancelled around march by a hand delivered letter. After a few months I got a letter saying I owed money I queried this at the time and got told that it will be sorted and not to worry if there is any problem they would contact us. Today I recieve a demand from…
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HSBC Managed loan - CCCS?
I am on a DMP and most of my debt is with HSBC. I make my first payment on 1st December to CCCS. I had a letter today from HSBC, saying they are willing to accept my payments, on the basis of the debt being consilidated into a managed loan. I only have ten days to accept this agreement, however I'm not sure if I should…
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bank and recovery problem
bank and recovery problem well my case is different from evry one n weird as well last year 3rd of nov i sold my roles watch up2 £5000. the guy who bought that watch transfer money into my account, it was saturday so i went to change in beurea to get it into euro's. i went to thomsons n gv my bank card n type my pin code n…
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CCJ's and address
Hi, I hope someone can help me....i was wondering if a CCJ is attached to an address or a person, i moved out of my parents 2 years ago now, and i have successfully changed my address with nearly all of my creditors. Although 1 company who have a ccj for me (i missed 1 payment which has now been sorted) but they sent a…
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Moorcroft DRL Help
I recieved a letter today, its the 2nd one from them saying i have missed a payment to bt of 19.73. This amount i admit was a month late, and i phoned bt to ask them to extend it by 30 days which they did. So i paid this in 2 lots. one payment for £15 and the other of £4.63. They recieved this payment 2 days late. Anyway,…
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Blair Oliver & Scott -template letter available?
Hi guys, Another BOS question! I had arrangement with them but income down plus January tax bill due. Sent revised offer letter with cheque for reduced amount, paid in cheque but deny any knowledge of letter! Strange that isn't it! To get straight to the point I have seen letters on the forum regarding contact with BOS and…
