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Help Bank Are Taking Away My £840 Overdraft Next Month
Hi, My bank upped my overdraft from £150 to £840 after i said i had financial hardship as they owe me over £1000 in bank charges ie this is why my overdraft is so high-instead of trying to help me all they said is they will deal with my case once the bank charge court case is over and then they said "We will be taking away…
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default been issued on a disputed account
Hi there, I will start at the begining I recieved a letter from a dca called iQor just before christmas regarding a credit card debt they starting ringing me day and night around 15 times a day so I starting reading post on here and sent off a CCA request, I recieved a letter back from the last we saying they dont have it…
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A bit of a pickle
Hi all - I'm hoping for a little bit of help here as I'm in bits. I used to have my own unlimited business (sole trader). Whilst there I signed up to a franking machine and photocopier from Pitney Bowes . I had an office that was in a business complex, but the credit agreement had my home address. The service from PB was…
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Help needed!
Hi I am new to posting on here but have been reading as much as poss the last week. My head is spinning to be honest. We have about a lot of debt and i think a DMP will prob be the answer or the CCCS debt remedy seems to think so. I am still coming to terms with it all and the realisation that we are not going to be able…
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Debt Management plans
Hi there, PLease can someone tell me if these companies are as legit as they say they are!! I have been offered a Debt management plan through Bains and Ernst!! I just wanted to know has anyone else ever used them? Are they any good? Or is there any better alternative! I'm worried as I have seen so many programs where…
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My Soa
This is the first time I have done this so prob loads of misrtakes - would appreciate any help and advice. I have osteoarthritis so have a mobility problem, so need a car. Thanks for looking Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children…
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No job and mounting debt!!
Hi, I have read the page for newbies but it seems to me that it is to assist people who are in work. I have been out of work now for four months and it does not look like it is going to pickup for another month at least. I am renting a flat in Brighton which is a huge expense but have now signed on and will be okay with…
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OMG my £20
I am so upset, I know its not the end of the world, but I came downstairs this morning and my dog had eaten two £10 notes and two vouchers!!! They were in a wallet, in my handbag so shes muzzled in to get it out. She also chewed up my lovely turqoise beaded purse :( It was the last of my birthday money that I had put away…
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Not so sealed pot !!!
Why are husbands the MOST annoying things in the world??? there i am saving saving saving, putting all my coppers in a pot, wondering why it's taking soooo long to fill up. Then i catch him :mad: fingers in the pot, he swares it was the first time but i don't belive him, that moneys supposed to be for christmas and he's…
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Newbie, need advice on DCA letter
Hiya, im quite new to this site but would really appreciate your advice. Last week, I recieved a letter from Clarity a DCA for a Kays account where I apparently owe £1745. I ignored it, but have received a second letter today. In this second letter, they have stated that they may instruct solicitors to start proceedings to…
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Wescot and Sainsbury - CCA
I wrote to Wescot on 29th December 2008 with a request under the CCA and enclosed my £1. They duly cashed the £1 around the 25th January 2009, well past the 12+2 deadline for providing the information. I haven't heard anything from them since and I was beginning to think they might have just put this one to bed (or at…
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Stuck in a rut
Hi I am currently unemployed on jobseekers allowance, so went to CAB today sat there for 2 hours there was nothing they could do there and then got an appointment booked for 5 March. Rung HSBC to see if they could do anything for me after half an hour on the phone they cannot do anything for me. Really worried now bout…
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new acct added to credit record?? help
Hi, Was hoping someone could help with this, my husband and I have been working hard for 7 years to clear our debts (only 2 left to go) We were rather shocked though this month to see a new acct added to his record for £500, we recognise the company as we bought our car from them, but we paid it off in jan 04 and have the…
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Carphone Warehouse conned me (I think)!!
Firstly I m sorry if it is not the right place to post it but I coudnt find any other better place to post it.Sorry I m new. NOW I had a contract with O2 through CPW and after a year I changed to simplicty.I overused my minutes and was charged 254.I couldn,t pay it and was reffered to Credit Soulotions.They Asked me that I…
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Rossendales & CT Arrears Advice please
Hi - Looking for some advise here Chaps n chapesses Rossendales paid a visit today -He didnt stipulate who he was at the door fully- very underhand way and I let him in under the assumption he was "the council" He then ( after a telephone call to HO ) over another matter declared he was Rossendales and I advised him to…
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i'm a shopaholic and need to be fixed
I turned 22 the otherday, my maternity leave finishes in one months time and as i was made redundant i don't have a job to return to. Since leaving work and paying off all my debts with the redundancy i've ran up even more debt due to my self esteem crash and subsequent spending addiction resurfacing to attempt to turn…
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Addicted to spending money?
I really think I am. I cannot stop myself, and never have anything to show for it. I earn 28k I owe about 5k I don't pay much rent (25 and living with parents) so I should be on top of this I'm constantly worried when my phone rings / letters come and i'm kind of taking a "head in the sand" approach to paying off my debts.…
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Defaults - PLEASE HELP!
Hi, I took advice from a company that offer to sort out yor debt - a big mistake i now know! This was about 2 years ago, after a couple of months i took over the process myself and agreed reduced payments. I did however receive 3 defaults and have 2 arrangements to pay in place against credit cards. in August 08 i agreed…
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Defaults and Defaults!!
Hi I was wondering if anyone could give me advice. I defaulted on 2 debts a few years ago. The debts were eventually passed to DCA, I sent a letter to both DCA's asking them to provide a signed agreement as I was in dispute with the original creditor. Neither of the DCA's could do this so the debts were returned to the…
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Home visit from Welcome Finance?!
Last night when I was at work, and my children were with my child minder, I had a visit from a so-called representative from Welcome Finance asking to discuss my account as my payments are in arrears. All I need to know is can they do this?? I have been in touch with them constantly about this and have been trying to sort…
