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Buchanan Clark and Wells - Advice Needed
Hi, I was wondering if anyone can advice me about this, it would be greatly appreciated. My brother has an outstanding debt with Talk Talk of around £185. He has settled with them to pay so much every week/month. So far he has payed £71 of the debt. But yesterday he has had a letter from Buchanan Clark and Wells (BCW)…
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Nationwide Think I owe £771 when i paid FF with DCA!
Hi People I dont know where to do with this one but wondered if anyone would be able to point me in the right direction before i get a Default. A few years ago i had a loan with Nationwide, got behind with payments and they sent the balance to a DCA (Roxbourge) and didnt leave a Default just kept puting either 1,2,3,4,5…
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DMP and Remortgaging
Hi - think i've been a bit stoopid! I'm in a DMP with Payplan and have been since Sept 2006. My partner and I bought our house in June 2006, I was pregnant when we bought the house, but soon realised that i couldn't juggle all the debts i had, so a DMP (for myself only) seemed the best route to get us some breathing space.…
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What are the chances of getting my money back ?
Evening everyone Last friday it was payday for me and i had a automated (i know they arent the best thing to have) payment set up with alliance and leicester for £61 to pay the interest from my credit card,Payday came and the money was taken out of my bank and shows up on my online statement Today a call centre…
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help, can I go bankrupt?
Firstly I wil say sorry if someone else has put a thread like this on here but i could not find it, I will keep this short but please can someone advise me here. Last wednesday I lost my job, as far as i was cocerned it was a secure good payed job untill i was called in the office and that was that, ( I wont get into it…
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Ryan's attempt to drag himself out of debt
Hi A bit of background. I'm 30 years old and have found myself in some trouble debt wise and I'm really struggling to get out of it. Since student days I've always had some debt but this last year it has got out of control. I broke up with my gf at the start of the year and drowned my sorrows for about three months. Partly…
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NatWest CCA.
I sent a CCA request to Natwest which was delivered 30 September. Today, I eventually recieved their response (dated 31 October) No CCA, but the last statement, current T&Cs, a document pertaining to be a credit agreement (copied and pasted by look of it given it specifies my current credit limit not the original limit and…
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My Payday loan horror
This is a long story but here we go... After several bad financial decisions in my younger days 18-23 I was made bankrupt at the age of 24. I lost my home, business and was left with my possessions. At the time I was devastated but have always been a laid back sort and picked myself up and carried on, after all I was debt…
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Not exactley DFW, more 'computer says no' - now what?
WE went to HSBC today to try and consolidate our Credit Cards/loan and ensure we have enough to get both cars through their MOT's (which both fall at the same time :( ). Because we missed some payments on CC's earlier on this year (when I was working reduced hours and paying emergency tax, which is now sorted - new job and…
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Moorcroft demanding money for debt that has been paid
I had a doorstep debt collector turn up at my door yesterday evening saying that Moorcroft has instructed him to try get 45.83 (sorry, pound sign not working) from me on behalf of BT. He couldn't tell me for which account it was for and he said I would have received letters about it, which I hadn't. I distinctly remembered…
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Rich Dad Poor Dad
Hey Everyone, Just wondered if any of you guys have read Rich Dad Poor Dad? If you havent I totally recommend it! Its the most inspirational book ever! A few years ago I went travelling and I worked for a marketing company in Australia. My job was signing people up for monthly donations for Oxfam in shopping centres etc!…
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BT Debt
After leaving my partner I had cancled my phone line and broadband as I moved back to my parents house. Because I cancled early I had to pay the remainder of my contract, £470. I diddnt have that kind off money lying around so told BT I couldnt afford to pay that especialy as it was for something im not even using anymore.…
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Help needed re finance for car and giving car back
We are seriously struggling and I have decided an option for us would be to sell/give up the caravan and car which we have on finance. We are with the CCCS and dont have a payment plan yet as we dont earn enough. (I am looking for work) Anyway... My question is will the caravan/car finance companies take them back and pay…
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Is This Right?
Had a furious disagreement with Egg CC because they paid out on an out of date card. This is part of the message they sent back:" "Under Visa regulations if a subscription attempts to call on a closed card we are legally obliged to accept the transaction and you would be liable for the balance on the account." This surely…
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My 500th Post!
Just noticed this is my 500th post so thought I would take stock! I absolutely love this site and come on it every day. I know that without all the invaluable advice from Martin and yourselves on here I would still be up to my eyes in debt with my head in the sand (is that possible simultaniously??!) Anyway all going well…
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how do i....
get the debt at the bottom of my posting so i can count it down? sorry if ive posted in the wrong area xx
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Old debt come back to haunt me!
Ok guys, firstly what a great resource:beer: Secondly, I have actually stumbled on this resource quite late in the day, but hopefully all is not lost :) I have recently been contacted by a debt agency who are making claim to an aged debt from a bank (2003 - when taken out). The original amount borrowed was approx £18k for…
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Need some help and advice
Hello! Im new. Feeling abit down to be honest. To cut a long story short, Ive been on a DMP for the past 2 years and have at least another 4 years to go. Ive got £11,500 of debt but ive been lucky enough to come into some money (5,500) so i thought of writing full and final settlement letters to my creditors. I did this on…
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DMP Advice please
Having been unsuccessful in getting a consolidation loan (which means all my stuff in Cash Generator will have to go :mad:) I've been talking to various people about a debt management plan. Baines & Ernst I decided straight away not to go with, as they wanted a definite yes or no there and then, and got very pushy when I…
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Help becoming debt free wanted
Hi all I am after some help to clear my debts and my bab credit record. I have in the region of £5k of debt remaining, that I mostly have arrangements made to clear them off over a long period of time. In the past my credit record has been far from good, and it took a long time for me to realise but I now want to clear it…
