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Student overdraft
Hello all, Firstly sorry if this is not the right place to post this question... I'm a third year student and have been having problems with my banks requarding my student overdrafts. In my first year at uni I came across alot of money problems and so stupidly opened two student accounts for the interest free overdraft.…
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DLA form support?
I have posted the below on the Disability boards too ... I hope you guys don't think it's cheeky but this is where I normally "live" on MSE but I just thought I'd put it on the Disability one as it's more specialised but here is where I feel most comfortable soo... Hope that makes some sort of sense sorry! xx ~~~ Hey, I…
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Hi all - new poster, and i've decided to battle debt!
Hi all, I'm a long time occasional lurker who reads bits and peices on the forums once in a while. I've recently noticed that my debt has risen beyond my comfort zone and i've decided to do something about it now. I'm currently looking at around £7000 debt which is a mix of one CC and one overdraft. I've been looking into…
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Company called 'Debt Management' - collections company???
Hi everybody, posting on here for the first time as there's something I need to find out a little more about ... My hubby and I keep getting what we have perceived to be nuisance calls from a company calling itself Debt Management. We've been treating these as nuisance calls because we have been assuming the company is…
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Capital One/Debitas
My partner has a Crap One debt which now appears to have been transferred to their in house debt collectors. Our latest correspondence with Capital One (sent as usual by recorded delivery) stated that we were only to be contacted in writing. Now that Debitas have the debt they are telephoning us. Should we assume that they…
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Link Financial !
Hi All, Hope everyone's ok today. Today we got a letter from link financial saying ge money has assigned this debt to them, any debt we owe is now due to them. lm getting to grips with all this now and l want to deal with it before we get to the court stage. (You must think we're awful, we seem to get a different problem…
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Our DMP is over
Kind of happy but we are still in debt. Barclaycard has always been a live account in my name so not included in DH DMP. Since Halifax are not playing ball on the unenforceable debt, all thats left is M&S who only want £5 a month anyway. So thats it after years of struggling we are finally normal borrowers again rather…
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Anyone heard of Response credit managent?
I've had a letter through the post today saying it's a letter of outstanding debt. It says it's been issued on behalf of Aktiv Kapital (uk) Ltd (GE Capital Glob.Cons.Fin.Ltd) For starters my name is wrong, The title is Mrs (I'm a Miss) initial is correct but Surname is D**** (mine is B****). Then it say;s my debt is for…
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Question about debt collector
Hi, I'm not sure which board this should be in so hope I've picked the right one. I've been receiving letters from Roxburgh (sp?) debt collectors stating that I owe Hutchison 3g a fair bit of money. I have not had a 3 mobile as far as I can remember so wrote them a letter asking for them to send me proof that the debt was…
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Need advice
Hi, i need some help.. last January i got a letter from Fredricksons saying i owed £185.50 for an o2 mobile from the carphonewarehouse i logged on to the website and set up a payment arrangement of £20 per month. this ended november 2008 where i was all payed up i logged onto the website to check the status of the plan and…
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Northern Rock Selling House 55k under asking price!!!
My home has been repossessed, and Northern Rock have put it back on the market 55k under the asking price... can they do that. I have only just found out from looking through our local paper. It would leave me 60/70k in debt if they do that - will costs etc. I feel suicidal.. I don't know what to do. Please help
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Rebuild Credit Rating
Hello there, I am looking to find some advice on rebuilding my credit rating over the next year or so. I am a 25 year old professional earning £25500 a year. I am a homeowner and have a mortgage of £82000 @ £470 a month fixed. I currently have no other debts! Unfortunately I dont have a great credit rating due to a default…
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default on credit file
I had never requested for my credit file till last week when I tried to upgrade my account and was declined yet I manage my account so well, was shocked there was a default- Nationwide of £290!!!I contacted them to find out what this was about as I have a flexi account which my child benefits go into and that I was certain…
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DFW DMP going off the rails!
New to DFW . IN serious crisis and dont know what to do Fell into Financail difficulty in Novemebr 2007 2 large loans, three credit cards , 2 overdarfts , 2 store cards Was recomended a compnay called Payplan by work colleague Went to them and set up Debt management plan starting in jan 08 Lots of problems and harrassment…
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Letter help please.
I seem to remember seeing a template for a letter that could be sent to a creditor which requests a copy of the original signed credit agreement. Anyone got any idea's?
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Debt Management Plan and removing a Default
Hi all Can't believe I've screwed up my early life so much. I'm 29 and so depressed. I'm earning an OK amount, but I've just got NOTHING to show for it. Really feel like the few years of mistakes I made are going to ruin my whole life. :( but I digress... I'm two and a half years into a debt management plan and am only now…
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mercers debt collectors
hello, i hope someone can help me, i hope i've posted this in the right place! i'm on a DMP with the CCCS and one of my creditors is barclaycard who have passed the debt to mercers debt collectors. as yet they havent threatened any collectors to come to my house but what they do keep threatening is legal action against me.…
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I Am Exceedingly Happy Again!
Well, today is the first day of the rest of my life and it REALLY is! I was walking along the sea front 2 nights ago, alone in the dark and I was wondering what it would be like to just walk in slowly and inhale deeply and die. Suddenly, I remembered the words in yet another nonsensical letter from HBOS, "....your account…
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SOA Advice please
Hi folks. I'm frantically trying to sort out this SOA ahead of my court date on Tues - the half-term hols didn't help! I'd appreciate any comments regarding these figures. I can already see where additional cuts need to be made but I'm trying to anticipate every expense that crops up in life. I'm currently unemployed with…
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Need advice on Overdraft
Hi Folks, I've been hanging around here for ages, but now I've finally came to terms with the fact that my debt isn't miraculously gonna disappear overnight .. I have officially had my 'lightbulb moment' and now I need some support and very valued advice. Account #1 OD = £2500 Account #2 OD = £7500 CC = £2500 I have 2…
