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scotcall
Some months ago I had letters addressed to the occupier etc from McK H whom everyone appears to despise, and I guess they were chasing an extremely old debt that I had back in 2000/2001 with M&S Financial. A couple of days ago I got a letter from SCOTCALL, headed Doorstep Collection Notice, dated 9 March and received five…
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urg answer pse if poss ??
hi there lm just trying to help my friend with her expenditure form from one of her credit cards [ been on state pension now iyr with no other income ] has been paying £ 73 for last 8 mths but cannot keep up now she has 2 other c/c with smaller min payments £15 + £13 pm one of which she still uses to keep her head above…
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Debitas - Payment Arrangements
My husband has had numerous issues with Debitas to a point that he requested all arrangements be confirmed in writing as they are very good at changing the rules as they go along. Miraculously they have done this and (two) letters arrived today. However - they are saying payments require 5 days to clear - 5 days!!! Is this…
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Lowell Portfolio - The Story So Far...
Received a letter back in December from these scumbags and they've written to me 7 times since. I sent the stock "I acknowledge no debt..." letter and asked for the original credit agreement, which they're supposedly getting from the original company. I have no knowledge of this debt, which must be at least 4-5 years old…
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Finally had my LBM!
Hi Everyone, I have finally had my LBM! (about time too really) Im 19 and im in around £3000 debt and it has recently been getting me down. After reading some of the threads on here i realise that im not in a huge amount of debt but its still debt at the end of the day. My plan is to be out of debt by my 21st, 10.07.10 So…
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I'm halfway there!!
Gosh I feel good today I'm halfway through my debt Seriously look at my signature and where I started to today! I want a clap A pat on the back A well done for all your hard work A gold star Because it isnt easy chaps But with each others support we can all be debt free!! :T
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Help getting no where, trying hard
Hi This is my first post so i`ll try and make a long story short. My husband has managed to set up a sort of debt management plan, he went to a council run advice centre who wrote to the credit card companies ect to reduce his payments which has sort of helped us but our main problem is bank charges last week my husband…
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CCA advice
Hi everyonel , I posted this by mistake in someone's thread earlier on..... Re credit card debt should a standard CCA request letter go to Barclaycard directly, or to Mercers (or Calder Finance who've just appeared on the scene with a letter) ?
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What To Do Next
I have credit cards for which I sent off a cca request back in November 2008 - I then sent the Formal Notice letter at the begining of this year both for which I have had nothing back - Is there a template letter to ask for the accounts to be closed down? If not what do I do next? **please help**
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SOA help needed please. This is for county court.
I have to fill out a statement of my affairs for the county court. This is on an N56 form and I have to put expenses which i pay from my own income. I work part time. This debt is mine not any thing to do with my OH. With my monthly income I have included child tax credits and child benefit as I receive these. My husband…
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HUGE APR help!!
Hello folks, Because this spans a few sections of the forum, I will ask it here in the hope that someone can help me with my decision. I have just noticed that virgin have just started charging me 2.2% on my balance each month, which obviously = an APR north of 25% over the year. So I want to clear that debt and get it…
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Gave myself a pat on the back today
Just wanted to share this with all you lovely people on here. I have lots of debt as does everyone else, and was panicking as i have my son's 21st birthday coming up in a few months. He also graduates this year and wanted to make it special for him as he has worked so hard and has overcome a lot of problems. Dh and i…
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*More positive vibes daily chat**17th March
Hey y'all Not being funny but the board looks really depressing. Now that the diaries have gone up above all I can see is the threads thats say people can't cope - they are depressed, going through hell......I almost wept this morning.... So come on lets show the newbies and those that are down, (anniestar get yourself in…
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Tuesday 17/3/09 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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struggling student
just need to let off some steam, im in a bit of a panic at the moment. I am a first year student, with a lot of debt, or what feels like a lot of debt to me - but i also have a job which gets me round about £400 a month. I have maxed my student overdraft with halifax, infact gone over it by over £100 which in encurring…
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My Ebay Adventure
If a few of you remember I posted my situation a while ago and you convinced me to sell a few things. Well I have listed 253 items on ebay and I am hoping to make over £1500. From that I have promised myself a new printer at £100 but the rest will be going off debts. As it is I have sold a lot on ebay before so no feedback…
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Help - being made redundant 2 kids and a mortgage
Hi there I found out (via email!) today that I am being made redundant after 2 years in my job. I dont know the specifics yet but I have a meeting on Thursday morning to discuss, I am 30 years old. I have worked since leaving school and only ever had a month out of work. My husband earns 15.5k he is currently seconded as…
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weekly budget planner..HELP!
I was just wondering, how do i go about making myself a weekly budget planner, that i can stick to! lol I've never worked on a budget before :eek: But the time has come for me i think!
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The money shop!
Hi all Sorry if im not posting this in the right section but didnt know where else to ask...Just like everybody else im in a mountain of debt at the moment, i am taking steps to try and sort this out. one of my main concerns at the moment is the dredded "money shop pay day loan" circle im stuck in...Owe them around £700…
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have i just made eveything worse?
Had 2 letter's from someone called Apex dated 12/3/09. Both informing me that Natwest have passed 2 of my debts over to them (apparently last week. These letters were the first I knew of it) . These letters informed me that unless I made arrangements to settle my accounts within 72 hours our agents may be asked to attend…
