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CCAs and selling debt on
I have noticed a few threads that when the perosn writes to a bank or loan company asking for the CCA, in order to establish its enforceability, the debt gets strangely sold on to a debt company. Is this so? If you wrote off to your bank, couldnt they decide that, yes, the debt is unenforceable, and then decide to sell the…
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Need someones help
With the help of the step by step guides I have tried and tried to get to grips with reclaiming my bank, credit card and miss-sold PPI charges but I still cannot add them up :o I really would like (need) someone to help me put them together but obviously can't afford to pay any company to do it for me. Is there any where…
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Capital One cca problems
Capital one have sent me a copy of terms and conditions and I have said in a followup letter that they have not provided me with an original agreement Cap one have said that they have omitted personal details as allowed under reg 3 of the consumer credit and that it is all in the correct format - now am I right in thinking…
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please help urgently. re default
Hi ALL, PLEASE CAN SOMEONE HELP ME ASAP. I AM I AN A RIGHT MESS I sold me house last year and rented until we found something we liked. Now we have found something i have been knocked back for the mortgage as i have a default against me from december 2008 for british gas. They had my new address and i gota letter from them…
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cap one and defaults
hi i have been paying £50 a month as agreed with Capitalone credit card for months now, just after xmas i got a letter saying my account had defaulted, then they regitered a default on my credit reference, i i wrote to them telling them about the agreement and they wrote back saying ok carry on paying 50. what i want to…
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Wednesday 11/2/09 What small dfw things have 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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Wednesday-daily chat anyone?
Hi all...noone started it yet? Oh, I will then..... Today? Dog walking,piano lesson,Tescos......err, that's it.........
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Martin says pay the debts but I need the cash
Hi All, I know martin says that if you have any spare cash to pay off those credit cards and loans etc. I have just received a small amount back from the working tax credits due to me having a duff year last year. I have a couple of 0% cards and one of around 15%, I also have a loan with has a couple of years left, and I…
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Unenforceable Credict Card or Loan
Has anyone seen the advert in Metro about using government legislation to arrange for outstanding balances to be written off (without affecting your credit rating)? I notice there's a fee to pay, but has anyone had success with this?
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At what point is a DMP needed?
It seems a silly question, but I am a mature student who started uni in debt. Since my LBM in December I have really hit the debt hard and I am in the best position I have been in for quite some time in that all my debt is at a fixed rate and I am able to overpay each month. I went to see the university adviser as I felt I…
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success with self negotiation?
i have been advised to seek smaller repayments with my creditors with self negotiation through national debtline and wondered what the success rate was with any of you that have also taken this route. besides the hopeful freezing of interest and charges how much else were you able to shave off original amount that was…
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Offering Partial Sum in Final Settlement
I've been offering these to my creditors for the last 2/3 years (since I inherited a small sum); half of them have accepted but the others won't budge! :mad: All the debts have been on agreed low payment amounts with interest frozen for years (at least eight). The debts came about during marriage, they were incurred…
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Hello Everyone!
Hi Guys,:wink: My name is Dan - 29 Years old and in debt! I've been reading the forum for a while now, decided to sign up today as I have to do something about my debt situation. It has been going on since I was 18. On my 18th Birthday I was bombarded about Credit Cards, Loans etc, and decided I would get a C Card 'just…
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Well....ULTIMATE way to not spend money
BUT only because I just had a phone call to say I have left my purse at work and am not in tomorrow! Ah well a zero spend day tomorrow...hurray!:rotfl:
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Halifax debt and their approach to people
Hi guys, I'm not actually looking for advice as such but please feel free to offer any if you think it's relevent. I simply want to highlight what these people are capable of. My situation is unfortuantely my other half has been ill for a long while now and I had to stop working to care for her on a full time basis which…
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offering f+f settlement when creditor submitted claim form for ccj??
hiya, just a quick question. i owe lloyds tsb 2735 which i stupidly ignored and now i've got a claim form from northampton county court. a very kind relative has offered me the money to clear this and pay them back instead, can i offer them a lesser amount for full and final settlement or do i have to pay the whole amount…
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Withdrawn Bankruptcy petition -can I claim costs?
My husband was served a statutory demand for a rather spurious debt. Despite us trying to explain that it wasn't due, the other party pressed ahead regardless. We engaged a solicitor to respond to the statutory demand, but ran out of money once this was dealt with and tried to sort it out on our own. Eventually, once the…
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Who is calling me??
Hi This evening I received a phone call (on my mobile PAYG) from an 0161 number. I have tried finding out who it belongs to as I missed the first part of the automated message. I have a feeling I know, but am surprised that (a) they have got my mobile number when I have not given it to them, and (b) they called me at…
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Weird CCJ Problem
i have had a credit report and the local council took out a CCJ for unpaid rent which was 484 all done over a year after i had moved on from their property. i find out through the court that it was the local council, so i approached them to pay the whole 484 in one go, but i was then told be the woman on the counter it was…
