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MBNA ...What next
too many trolls n bullies on here
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Capquest...Can I get money back?
A few years ago (befor I discovered this site), I entered into a payment plan with our friends in Hampshire. I have a couple of payments left to make in regards of the debt and then they should be out of my life for good. However, this evening I was thinking and the following questions came to mind, can anyone help? 1.…
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debt of £20,000, £100 a month...updated
thats 16yrs!!!! this is terrible! :( what am i going to do?:confused:
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CCJ question
I believe I have a CCJ against my name after a dispute with a water company over a bill. I would like to pay this off, but have no information about the CCJ. I have applied for my credit file, but have a question. As I know who I owe the money to, should I just call them and ask to arrange payment now, or should I wait for…
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what target to set now?
Hi guys, first time poster, long time lurker! Looking for some advice as to what target to set now? Some background - last couple of years have been trying to pay off credit card. Balance was 6100 in September time but will be paid off next week. No intention to run up anymore debt on credit cards. My situation can roughly…
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New to this and feel a bit lost
i'm approx 20k in debt. i only earn £800 a month take home and not sure how to get out of my mess, i have a couple of ccjs too. At the moment i'm thinking of using a debt management program and would like some recommendations or advice about what would be best for me to do thank you
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Student Loan Repayments - Please Help!!
Not sure if this is the right place to ask for advice, so apologies if I am in the wrong place. When I was at uni I took out a student loan to help with rent and living expenses etc. When I got my first job since leaving uni three years ago my completely incompetent payroll department managed to lose all of my information…
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f&f
rather than go bankrupt have any creditors ever accepted a F&F as low as 10%
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HSBC/MCS Abroad ?????????
Hi All , I had to leave the UK immediately due to circumstances back home in the year 2006 , When i left i had a loan with HSBC which has now been taken by Metropolitian collection services ltd (MCS), Though i have intension of clearing the loan , MCS has been sendind scary letters almost everymonth , I aranged with MCS to…
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First credit legal proceedings letter! Account in dispute as no CCA
Hi all, 1st Cretins first contacted me late December 2008, regarding a debt I owed to Citi Cards. Upon receiving the letter I sent them the account in dispute letter as I had contacted Citi in November 2008, requesting a CCA. After nearly a month all Citi sent me was a copy of the the terms and conditions. Upon receiving…
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Refused !!!!!! offer
I have an debt of £302.00 which is now with Wescot Credit, orginally Natwest CC. The debt started off at around £1500, and I have been paying it off at £80 per month. They have offered me reduced amounts along the way to pay it off, but I have never been able to afford it. I am now struggling to find the £80, So I wrote to…
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HMRC Debts
Hi I hope that someone could give me some advice.My husband was self employed for a brief period but unfortunately business did not go as well as he hoped,so he ceased trading and de-registered for VAT.My huge worry is that he owes HMRC £5500 in unpaid tax(he just could not afford to pay this with supporting a young…
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Moorcroft debt recovery
Hi everyone, Not sure if i've put this thread in the right category? Anyway, my mom got in contact with me last week (she is in Tenerife at the moment) she said a woman called her mobile asking for me, the number is 0161 475 2875 which I have found out is moorcroft debt recovery. My mom gave them our landline and I got to…
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Complicated DMP question
My husband is looking at beginning a DMP. He currently banks with HSBC. With HSBC he also has a Loan (approx £25000 outstanding), a credit card with a balance of £600. Jointly we have a mortgage and secured overdraft (both up to date with payments). The DMP guidance say he will pay off the dmp in 6years and 0 months.…
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well Feb 26rh should have been a red letter day!
I am such a fool. I got into a lot of debt many years ago and I had everything set up in a DMP which was set at £1.00 a month when I was unemployed and when I got work I upped my payments to £320 am month through payplan and on feb 26th this year I finally paid them off :beer: So where did i go wrong? These debts were old…
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Is it worth trying to improve my credit rating yet???
Sorry if this sounds trivial but with so many things out of my control at the moment, if I can get an answer to just one question out of 100 it would help!! The ex and i split up over 3 years ago and i set about separating our finances. We had a couple of businesses, a joint acct and a joint mortgage. The businesses and…
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More going out than coming in please help....
Hi, my husband has recently been made redundent but luckily he has been reinstated but quite alot less money!! But at the end of the day it's a job. We have just gone through our outgoings and got a huge shock when we realised we have quite alot more going out than coming in....I am so worried about this I can't sleep it…
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direct auto financial/hillesden securities
hi me and my husband took a car out with yes car credit on 8th Aug 2005, we kept uptodate with the payment till 2nd april 2007 when we wrote to them and told them we no longer wanted to carry on and wanted to hand the car back witch they came and collected on 28th june 2007 and sold it which they got £1,222,57 for it!…
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HFC - Nosy beggars
I have already sorted out payment etc as been with debtcare a year up until a mth ago. Upped payments as had more available but hfc sent letter today asking me to provide up to date details on finances. I don't mind but they want a list of all my creditors (is that moral, i don't want them to know all the names of my…
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Implied right of access
Does anyone have a template for the withdrawal of implied right of access letter? I've tried searching but can't find it :confused: :o Thanks!