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loan question
is it possible to switch your loan to a different lender, at a lower APR, without having to borrow extra money to do so?
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Defaults due to be removed
Hi all, I wonder if anybody can help me, I have searched but I can not find an answer? I have two default notices on my credit report, one is due to be removed in March and the other in June. I also have a settled account that is marked 'partially satisfied' as i came to an agreement with the lender. Does it take 6 years…
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Help!!
Hello all, I'm sure that Help is really what everyone says when it all goes pear shaped! My situation is that I was diagnosed with cancer in November 07. Since then I have been unable to work, have eliminated all of my savings and am getting close to defaulting on my credit card debt of around £40K.. I would have handled…
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Debt collector for previous tennant
background is i moved in 3 months ago and previous tennants asked for us to redirect their mail. we did this for about a month and as there was no reduction in volume we started to send it back as return to sender, addressee does not live here anymore. ive just had a debt collecter round for bcw, they were nice enough, but…
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Help! Bankruptcy here i come - thanx 1st credit
I am newish here although i have over the last 18 months read loads of postings about people with similar problems - both on this site and others. I am left wondering if I am alone in finding that the system is majorly stacked against joe public. I have two ccjs that have been pushed on to charging orders despite my not…
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Respond from catalogues after sending £1
Hello I asked both of my catalogues for my signed credit agreements enclosing £1 postal order, I received one from Lttlewoods signed in 2007 so they have to be paid. I received one from Kays saying I opened the account in 2004 but they cannot find the agreement. the letter says: We refer to your recent request for a copy…
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CapQuest and ScotCall
Recieved caqquest requestin payment, setup a agreement to pay by month for 4 months, 3 weeks after they have passed on to ScotCall with no added extra debt on top of it. Would like to know how these two companies work to the punter Cheers mug1monkey1
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messed up car finance
I put this in motoring but you guys may be able to help too Hi all I recieved a letter from my car finance company this morning about a transfer of registration plate on my car however we havent changed plates and on the letter the original plate is not ours if was suppose to be ours but arnold clark couldnt get the car…
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Default notice
I have just signed up to Experian so that I can check my own credit reports and on there I have a default notice from the Abbey National, now I know this is there and that it stays there for 6 years but it still says that I owe £855 when I settled this bill 4 months ago. I have digged out the letter from the debt…
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How do I word a complaint to a creditor?
I need to complain to NDR as they haven't responded to any of the 3 letters I've sent to them (including one asking for a response) telling them I'm in a DMP with Payplan. Their latest letter is a default notice and a letter telling me they have sent me the OFT guidelines. That's rather ironic considering they seem to be…
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bancrupcy and my house
I am a 33 year old single mother who is having lots of financial roblems at the moment i have approx 20 000 worth of debt including finance on my car, my life was perfectly managable until change in circumstances last year which have left me unable to manage. I own my home but due to the fall in house prices have no equity…
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messy one!
Hi All, I did post quite alot last year but have since forgotten my sign in details incl my user name!! You were all extremely helpful with what was and still is an extremely difficult situation. Recently our circumstances have changed and we once aagin need to re-evaluate our situation... I would really appreciate people…
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MY SOA please help
Just had a quick look at the figures and they are about right could you all have a look for me the internet tv phone are all combined in one payment including calls, we har getting rid one one car, the other one is my mobility car. Regards Moneybuster Statement of Affairs and Personal Balance Sheet Household Information…
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Monday's daily chat, Liverpool style!
Looks like I can start it today, very very surprised it's not up already, how is everyone? I'm cool, landlord is hopefully gonna put the new bath in today. So that should be started soon. Busy, busy day for me.
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order of letters
Which letters do we send first regarding non or low low payment of CC is there a standard order in which you have to send them Regards Moneybuster
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Amending the terms of a managed loan with HSBC
Hi, I'm looking to speak to HSBC today to amend the terms of my Managed Loan with them to either gain £800.00 or pay them £100.00 less for 8 months, I rely on my vehicle to get me to work and back and unfortunately its broken down and cannot be repaired, a family member has offered to sell me theirs well below the market…
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sorry to ask again
sorry to ask again but lost my internet connection and have looked back at threads and cant find it. I have sent all my letters off to dca for a sca well over three weeks ago have had stardard letters back asking for payments.I have phoned to check they have letters. marshall wards has sent letter saying they have not got…
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Monday 16/2/09 What small dfw things hve you done today???
:D 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,…
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Moorcroft,citi And Cca
I had/ have a debt with Citi cards was passed to Moorcroft dca without any notice of assignment from citi.I was paying citi a reduced amount through a dmp wicth I done myself after being with a dmp company. I sent for a cca from Moorcroft prior to xmas and on 29th Dec had a reply back from Moorcroft saying they were…
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*The good news daily chat thread*16th Feb 2009
Obviously I have good news!!!!! I passed my exams!!!!Woo hoo!!:T:T:T:T:T:T:T
