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companies buying debt
Hi everyone I have several credit card debts and for a few years I have been paying them a fixed amount which they have been happy with however I have now received a letter from another finance company that says they are now the owners of 3 of my credit card debts and that they want the payments paid dirctly to their…
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Dept management company's
Hello all a little over a year agoi was in seriouse dept problems and could see no choice but to go to a dept colection agencie. Then unfortuanetly my father passed away and left me a sum of money wich i used to payoff a big lump of my dept. Now i only have a small amount ov dept left i was wondering if it would be better…
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should i pay the 3k debt while i can?
hi everyone i shall keep this as short as poss basically we saved like mad to move into our first bought home, on the part rent part buy scheme. even though we have some debt, we saved 10k for the deposit and all fees we found it all fees and deposit have actually come to 6,600 leaving us 3,400 money in our current account…
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Wescot and Digibill
This morning my father received a demand from a company called Wescot relating to a bill of £11.98 on behalf of Digibill doing a bit of online detective work it appears digibill is ppv !!!!!! related, my dad is adamant its nothing to do with him, and neither me or my brothers, who all live away now, have ever had access to…
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Starting to change bad habits
Although the big debts are an issue for me, a lot of my money issues have also been about having a disorganised lifestyle. Buying too many newspapers, going into shops for snacks while at work and nipping into cafes for lunch too much are things that have cost me a lot over the years. So I am now cutting all that out. I…
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Iv recieved CCA off capital One, not sure if its what they meant to send or not. Help
I applied for this card online, in april 2006. They have sent me the CCA I requested. On the letter, it says that they are unable to provide me with a specific schedule of payments detaling the amount due each month in order to pay the current outstanding balance in full as my account has variable interest rates which may…
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Paying for statements from Virgin?
I've managed to gather the funds to pay off my Virgin credit card plus the trailing interest for next month. We sent the payment via online banking on Friday, so it hasn't hit the account yet although I have rung them just now to let them know. I would like to claim back my charges as I have worked out they have charged me…
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Changing Banks/debts Held With Current Bank
:confused: Good morning. We have been advised by PayPlan to open a new bank account because our debts are associated with two credit cards and an overdraft with our current bank. We were advised to do this before contacting the bank about our debts. Unfortunately, due to our poor credit rating our applications to other…
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T Mobile default we don't owe
T mobile has put a default on my husbands account for a phone shut down in 2003. This phone was fully paid but t mobile want £71 we don't owe. I know its only £71 and it could be paid. However the extra damage this is doing to his credit file will end up costing more and if we pay it, it will encourage them to do it to…
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it that time of the month....
it's 12 days until payday and as usual i have run out of money. i know i should have budgeted more carefully and will try to next month. how does everyone else cope with this - i am sure it's happens to the best of us!!
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Lewis Debt Recovery
Hey everyone, hope you have all had a good weekend. I have just returned home to find a packet from Lewis Debt Recovery, they are chasing me for £605.01 from a Barclays Account. I sent them a CCA Request and they responded that as this was an overdraft one did not exist. I then asked them to send me statements for the…
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Due in court for council tax (Now with my Statement of affairs)
Good morning all, In a bit of a pickle due to missing a couple of council tax payments, I'm finally on top of my payments for everything and have majorly restructured alot of things in the last 3 months but now I have a demand for the rest of this periods council tax in one go! It equates to £500+ and the court date is…
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hello i'm a newbie..
Hi, I've eventually decided to drop by and say hi :hello: About a year and a half ago i owed in the region of £27k! I was struggling both financially and personally (long story) so i decided to seek the help of CCCS. They were fantastic and i have paid £8K back so far and hope to be debt free in 3 years, if not sooner. I…
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Moorcroft Debt Recovery
Okay I did post last week but I didn't get across what I should have and need to ask again Right, we are on a DMP with Payplan but I did not include the Argos debt of £800 for whatever reason. Dumb huh ! Anyway, I now owe three months instalments and Moorcroft have written to me. I called them and they were really…
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No copy of CCA after 12+2 days are up - what next?
14 working days ago I sent a letter to IQOR asking for a copy of my CCA, complete with £1 postal order. They acknowledged receipt of the letters I'd sent, including ones about phone calls, and said the CCA request will be dealt with separately. Today was the 12+2 day and no CCA so what letter do I send to them now? And if…
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Pap & Moozies what have/will you spend Monday 3rd November
Gooooooooooooooood Morning everyone:D Hope you all had a great weekend hoping for a nsd today . Keep it low and have a goooooooooood day:D
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Monday 3/11/08 What small dfw things hve you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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*Daily Chat Thread**3rd Nov 08
Morning all Well thanks to bunny i now know its only 52 days till Christmas...If I start shopping now, it means I will have started christmas 51 days earlier than normal....not much chance of that happening:rotfl: My friend from OZ rang yesterday and she wants me to go over next year for her 45th Birthday. Anyone know of a…
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Credit card debt sleeplessness
Hi, this is my first time posting. I'm actually pretty new to this whole site but everyone seems so kind and helpful I'm hoping for any advice! My situation is that my debts have been creeping up and it's now causing me a lot of anxiety. The main reason I'm in this position is because my OH's work has dried up. At the…
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Am i being too drastic??
I am a 21 year old single mother of 2. Living on £30 a week. After bills and debt payments, this is all i am left with. I get £650 a month. Pay out all my bills, my credit card, loan and overdrafts off. I'm finding it difficult living off the £30 a week, which has to cover food, toiletries, travel etc. I do go without…
