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Buchanan clark and wells
Hello, I was just wondering if any of you lovely people have had any dealings with BCW. They keep sending me letters to say I owe 3 mobile £96.00, however I dont, I owed 3 £39.70 for the last two months of my contract that came to an end last year and they have been paid in full so I do not know were BCW have plucked this…
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Back in work & making minimum payments again. Am I doing it right?
I've been trying to negotiate reduced payments with MBNA for a 3 month period as my income drastically reduced. We're 2 months in and they've yet to agree. I've sent them SOA etc. and asked them what the problem is. Awaiting their response. They've yet sent me a statement of arrears and keep reminding me that they will…
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funny Natwest story - had to share...
Hi all, thought I'd tell you our little Natwest story. I was to be added to OH's accounts as we 'merged' our finances. * It took 3 months to get me added and my cards to arrive (various Natwest errors) * Once cards arrived, we awaited the pin numbers * re-ordered pin numbers - they sent cheque books * sent cheque books…
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PLEASE HELP, bank charginf me 300 pounds in 1 month, what can i do if i have no money
Hi, Im only 20 years old, I have a 13 month old daughter and am struggling. I am not working as I am looking after my daughter full time.My bank have charged me £300 in charges for returned items on my account, These were only returned because the bank had charged me £150 the month before.As i said I have no income, the…
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full & final settlement
Not sure if any one has read my other post but Lloyds CC have been a pain at accepting my DMP the only creditors to not accept my plan .I sent them an offer for full & final settlement of my account but they refused it ,the offer was quite low so i didnt expect them to accept . Lloyds now say they will accept half of my…
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advice saught
Hi guys would appriciate your thought on what debts to clear with my redundancy settlement after doing the calculations i will have about £6100 left to pay off debt, as i have income insurance for 12 months i do not want to sit on it as i know i will fritter it away! options- barclaycard £4600 o% till nov 09 paying £100…
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Credit Rating and Charge order
Hey All I am looking into getting both mine and hubbys credit rating, i know experian do a free 30 day trial , but we did that not so long ago, will they let us sign up again and then cancel within 30 days ?? Also if there is a charge on the house will that affect my credit rating to even though the house is only in hubbys…
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cccs sending march payment late
Just noticed cccs had not paid a few of my creditors for march ,cccs say theres been a mix up with everyones account so payments are getting to creditors late .Luckily ive just noticed and my creditors are giving them an extra week to pay because its now put me over my overdraft limit .I have seriously been thinking shall…
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Let go and now pay is delayed!!!
Hi Long story short I got let go from my job last thurs 1645pm (I finished at 1630) anyway it's a very small company. Getting paid involves both directors going into the bank and either (if you're with the same bank) transferring it, or (if not) then taking the cash out and putting it in your account. Well she (the…
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Eversheds Debt Collectors demanding £7900 by 2nd April.HELP!!!!
Hi, I hope you can give me some advice. I have a loan with Northern Rock, but I've been unable to make the full payments since November as I have been in and out of work. I have been able to make small payments to them, perhaps £30/£50 a time. However, I have not made a payment for March. I last made a payment in February…
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Using a CC while on a DMP.....?
Hi, Been on a DMP for 3 months now, going smoothly. Unfortunately we've had some car trouble that will cost £500+ to fix. We have no savings, and no family to borrow off. I do tho have 1 credit card that has zero balance on that isnt included in my DMP. Its a Tesco card, which is part of RBS, but i do have a MINT card…
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Lloyds TSB overdraft
I posted a while back about trying to pay off my overdraft. I ended up making an agreement with Lloyds to pay £100 a month and they'll reduce my overdraft the same. Anyway to cut a long story short, I broke the agreement meaning I'm still overdrawn, being made worse by Lloyds still reducing my agreement. A couple of weeks…
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A Haystack in a field of needles
OK I'm ready. I'm ready to explore the mystery of 'CASHBACK' sites...... Where do I sign?
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Capquest CCA request help please
Hi all, Just a quick one but could anyone give me an answer to my queiry? I sent a letter to Capquest Debt Recovery Limited on the 16/03/09 and recieved a reply from them basically saying that the account is on hold for 28 days whilst the obtain the info required. My question is: 1) As I have now waited the 12 days plus…
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Default Notice Issued by Capital One
Hi everyone I've been on a DMP for 3 years now and things have been running quite smoothly until lately with a few minor hiccups. This morning I got a Default Notice issued by Capital One stating that I have entered into a payment plan for less than the required minimum payment. On this card I owe £1274 and my payment to…
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relentless phonecalls!
Hi all, i wonder if anyone could give me any advice about a certain company that wont stop ringing me. They are always very rude, threaten legal action and demand payment each time. I have told them i am with payplan, and have informed payplan my debt now lies with them. Payplan say my financial statement has been sent to…
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**Daily Chat Thread Tue 31 Mar 09 - Pay Day Yayyyyy**
[FONT=Verdana,Geneva,Arial,Helvetica,sans-serif]The Chinese say, "The best time to plant a tree was always 20 years ago. The second best time is always today." Funny how planting trees and taking action on the life of your dreams are the same that way. It's never too late for anything, JUST START [/FONT]
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Tuesday 31/3/09 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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McDonalds peel and win £500K
My son went on a school trip today and had a McD's for lunch (something we wouldn't usually do) and on his peel & win thingy he got Park Lane, which is one half of the £500k cash prize, now as we would never usually eat in McD's, the chances of us actually winning are zero, but it got me thinking are there actually any…
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is email classed as written acknowledgement - satute barred
Hi, hope you can help My wife previously had an Egg card. We believe the last payment made to Egg was in 2002. They messed up the address details when she moved and sent correspondance to her previous address (which we never received). We got a letter from Lowell in August 07 demanding £1000. We contested this - having…
