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Barclaycard/mercers
:mad: I posted a reply instead of a thread yeasterday durrrrrrrrr, cant seem to view my replies, so i'll start again! i AM SELF EMPLOYED AND AM IN REAL TROUBLE WITH CREDIT CARD DEBT. I have recently negociated a 57% f&f with alliance and leicester and an interest free period with marks and spencer. Its barclaycard i'm…
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Marriage is over - how can i sort things financially
Hi All, Im really hoping someone can help so i can stop driving myself nuts with worry - it was recommended that i post this here on the DFW board as well as the Marriages board. Basically on the 11th of September my Husband asked me for space so i moved out for a few days to give him that space, he then said that he did…
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Please advise on Credit Card Debt, Redundancy and PPI
Hi I'm a long time lurker on the site but a first time poster so if anyone can help with this I'd be really grateful. Basically, I was made redundant over a year ago now (Jan 2007). At first I was able to meet my repayments on my Capital One Card, after a while as money got tighter - it got more difficult which is when I…
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SOA - Where can I find it?
From what I have read I was under the impression there was a SOA calculator on the site but do you think I can find it, nope!! :confused: Can anyone point in the direction please, if it exists. Thanks
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Advice Please! Parents CC debt
Without giving the long story... my step father and my Mum are estranged but he continues to live in my Mum's house. We live in NI and he is English but has no family left in England so my Mum and him have come to an arrangement where he pays rent. He has lost his job and has 6k on an MBNA credit card. He gets jobseekers…
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money managment
Hi, i was wondering about multiple bank accounts .... if its a good idea or not??? i know some people have a bill account and others is this a good idea?? can it cause problems anyone with any experience with this want to share there thoughts as im not sure if its a good idea or not but it may help me manage my money…
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Received Debt Letter - GE CAPITAL ( First National Tricity Finance Ltd)
I received a letter from THAMES CREDIT stating i was in debt of £772.63 to [FONT="]GE CAPITAL ( First National Tricity Finance Ltd)[/FONT] I dont know who they are, what this debt is! I know its not my debt, what should i do? Thay are asking me to pay the sum above. The letter has no details of when the debt was or…
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prove it letter for energy supplier
please could somebody send me the link for the template for a "prove it" letter for the above please, im struggling to find one! thanks!:beer:
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thames credit
hi sorry to bother you all but back in July i sent these plonkers the letter asking for a copy of the cca they sent their standard letter saying that they were not the original creditor but they would seek to obtain it as a matter of good practise :rotfl: any way due to a close family bereavement i completely forgot to…
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can someone give me advice regarding deby recovery?
I was living at a previous address and I moved without paying the electric bill :o it was something like 4 month ago for like £1000.. i phoned them up and told them something wasnt right.. anyway long story but to cut it short i refused to pay it on the grounds that the meter reading was totally incorrect, fault meter i…
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Please can someone give me some advice
I posted a thread here a while back with regard to some catalogue debts that had been run up in my name by my ex partner. After speaking to trading standards, I wrote to the debt company's asking them for a copy of the supposed credit agreements. They wrote back stating that they had no copy of the agreement and therefore…
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Company pension or pay off debts?
My husband has just become eligible to join his company pension scheme. When he first started this job we agreed that he wouldn't join because we thought it more sensible to clear debts before we started making any savings. But, husband had a meeting with the pension advisor at work as standard and he's agreed to £50 a…
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New to the site, new to taking control...but very very anxious.
Hi All I have spent the past few days on this site, reading the posts and trying to get the courage to post. I have been recommended a DMP to clear my debts and have sent off for the pack via CCCS, I swing from feeling really positive to feeling really tearful, and a lot of things are scaring me: * Will my creditors…
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Cinema Costs!! - 2nd mortgage anyone?
Well, I am here for another rant:mad: Just been looking online to book to go and see Quantum of Solace and cannot believe the prices! To book 2 tickets online for 6.30 this evening Tickets £6.80 each x 2 = £13.60 Card admin fee (?) £1.40 Total cost £15 But... To buy tickets at the cinema for 11.45 on Saturday Tickets £4.75…
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which debt? Mortgage or Credit cards??
Hi, Been on the phone to HSBC this morning. They have implemented the BOE rate drop of October 7th to their variable rate mortgages. I asked about the recent 1.5% drop, they said it was under review and will respond in a month. Anyway. I've been overpaying slightly on my mortgage(s) for some time. I'd set it up when I…
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Finance question
Hi I have a question and I'm not to sure if its here i ask or a different board. My brother lost his job last week, he has been going through his finances to sort things out. His car is on finance with volkswagon finance, after speaking to them they said there is nothing they can do and they wont help him. They said they…
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really worried about something i heard
I feeling really worried today about something i heard on tv this morning ,i am a worrier anyway .It was david cameron saying something about credit card companys are going to be able to break into peoples houses and take what you owe them . I am on a DMP with CCCS i owe quite abit to credit cards & loans i am sure it…
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Overpaying Mortgage
Hi all, with the recent interest rate cuts, i have been let with a dilema, and your help would be well received. Me and my partner have £21800 of credit card debts, and the minimum payments total £474 a month which i can afford to pay, and i have been paying £250 extra for the last few months. All the credit card debt is…
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Big Dent
Good morning I have no idea if this is a new dawning, or some sort of epiphany for me, but I've just received my leccy bill for the last quarter and it has hit the £300 mark ! :eek: We switched in March from EDF to SE. The bill is correct, and having only just got the hang of the energy meter I know the next quarter will…
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Debt collectors
Hi all, not sure if i'm posting this in the right section but, i'm after some advice on a debt collection agency that's persuing me quite agressivly for money i'm no longer liable for due to the 6 year statute of limitations. It all started abput 14 years ago when i received an income support overpayment totalling £408,…
