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Overdraft Review Warning
For years I had a £1000 o/d with Halifax, they reviewed it last year reducing it to £850, but in January reviewed it again stripping it to £0. As I was currently £664 into the overdraft, my account suddenly went into the collections department. This is absolutely not fair as there is no warning and it means charges will…
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Another full and final
Received a letter from BLS Collections on behalf of lloyds tsb 'accept 194 in full and final settlement...... no further action to recover....will advise credit reference agencies accordingly' oooooooooooo yeah! They wanted 388.66 (my od legitimately owed was 214.25, added charges 174.41) so 194 paid this morning off…
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Please Help Me
I don’t know if I am posting this in the right place but I am at my wits end and don’t know where to turn. It’s a long story so please please bear with me. I am really upset but will try to keep this as rational as possible. My ex (we were together only 6 weeks) loaned me some money. I did not want to borrow this money but…
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Various debt I want RID!!
Hello all, I have a debt issue here and I would like to tap into your knowledge on the best way to shift it!! It breaks down like this.. Loan £6500 Natwest (10.9%apr) (36 months, 32 remaining) Credit Card Virgin £2200 (15.9%apr) Credit Card Lloyds £800 (0% for 12 months from now) I am male, 21 years old, have the following…
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Further info on previous S.O.A posted yesterday
Thanks very much for looking at my S.O.A Pinky15 and Beannie. I can confirm that the phones are already on payg - mine costs £15 per month on O2 and as the only people I use it to speak to are also on O2 it, I get free calls and texts providing I put £15 per month on. My husband has the same and his costs have gone down…
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which i never started doing cca
i'm having a hard time with vodaphone and moorcroft, it all started when i started to do my letters and i noticed i had one from moorcroft saying i owed vodaphone money but had to pay moorcroft so i wrote moorcroft a letter asking for my cca. they sent me a letter back saying it had been past back to vodaphone so then i…
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Debt Letter
Morning I received a letter this morning saying I owe £132.99 on a previous address to united Utilities from 2005. I really wasnt expecting this and its from a company called Advantis Credit with a heading in big red letters saying Crown Litigation Servies. What do you do is this situation do you just pay it? Is this…
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Claiming Unfair Contract on an Unsecured Loan?
I've seen a lot about this recently - I've had trouble navigating the Consumer Action Group site on this, so thought I'd ask here. My Barclays loan is currently with a DCA called Regal (think it was sold to them a few months ago)- do I get hold of Barclays or Regal for the CCA? And has anyone got the hany dandy link for…
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Monument / Portland House
Hi, I am getting calls from 008000156789 and when I answer they ask my name andhold the phone and then hang up. I know I am behind with payments and have expalined to Monument that my wife has been diagnosed with Cancer and our income has dropped because she has been in hospital. I have telephoned Monument and they are no…
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help needed please
hi guys havent been on here for a few weeks now..... i wrote to my bank to ask for my loan agrrements but they never came so i sent that letter in witch they have to respond in 12days - they responded in 18days... so were do i go from here, the loan agreements are the originals but its a photo copied one though does this…
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Alliance and Leicester selling my debt.
I recently contacted A&L as I cannot pay my credit card due to the fact that I have been on Incapacity Benefit for 6 months. They said that after 6 months my debt would be sold on to a debt recovery agency. Has this happened to any of you and what happens. I will be claiming IB for some while yet and my sole source of…
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7/8 Feb Weekend - What small things have you done today thread???
: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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Dating in debt
Dating someone you really like while working to get our of debt sucks. I'd don't want to say, "lets say in on Friday beceause I'm broke" so of I go for dinner. She orders wine and I smile but inside I'm thinking, that's another £30 on the card. I need a second job or maybe a girl who is also going through the process of…
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Debt Chat
How Debt Chat works. 1. You reply to this message with information about your debt situation. 2. People respond (using the Quote button) with advice tailored specifically for you.
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Cabot DCA - advice on full and final settlements
Hi Has anyone had any experience of full and final settlements with Cabot? Thanks SW
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not sure what to do after the 12th day has passed on cca??????
hi sorry to post again, is there anyone that could help me? is there a another letter i can send or do i just wait and see if they send me a letter back i sent 6 cca request off on 20th jan? also one of the crediters that i sent a cca to has wrote me a letter saying they demand payment now or court procesing will start!…
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Taking Money From My Bank
:mad: Can anyone tell me if the local council or sherif officers can take money from my bank account without informing me.:mad:
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Blackhorse agreement
Hi guys, thank you all for helping me to solve my issue reg starting a forum. Ok, ,my problem is i have an outstanding finance agreement with blackhorse of £11.000. I would like to give my car back, as i cant afford it any longer. Ive had the agreement since august 2007. Please help, my payments are £330 a month!!:confused:
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Lovely Lowells shown up, help with CCA Letter?
Okay, it's a while since I had to send one of these to a DCA and I know they've (probably) changed somewhat due to the 30 day time limit having changed. I can't find the newly revised template letter anywhere online but I am sure I have seen one. Lowells showed up today, straight after Watchdog reported on them again this…
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I'm back again!
and still need help. Here is my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 537 Partners monthly…
