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how long does a creditor have to respond?
how important is it to send a request for signature via certified mail.. can I fax it, or is that just not a smart idea? also... I just got off the phone with a creditor who fought with me and would not give me the shipping address to the company. told me there were too many shipping addresses and when I said I have a…
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Barclaycard CCA response - Help please....
Must have been my day for it, two together, see my other Moorcroft thread for the other one. Have finally after 8 months had a response from Barclaycard, and I think its a load of old tosh, but would appreciate some input from the clever people on here. Will post the letter and the supposed agreement up but as its just a…
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Moorcroft CCA response - Help please....
Hiya, Well finally Moorcroft have come back with what they say is my CCA from Sainsburys, please can someone advice if they are correct? From the limited knowledge I have I don't believe it is, but could do with some expert help if possible, please....... To me its just an application form with no real detail in it, I have…
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mortgage help
i had an accident and got into trouble with arrear with my mortgageprovider i got my solicitor to write to them and say i have a claim and that it would clear my arrears. they charged me and on top of these charges charged me again i contacted the ombudsman for help they where on my side , and the cab services ans cccs.…
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Our creditors are ignoring our pro rata offers
We sent all 9 of our creditors a letter on 16th March offering pro-rata payments. Sainsburys - no reply and our payment is late (what's this about? they're usually on the phone BEFORE the payment is due making sure we will pay on time!) Littlewoods - no reply British Gas - told us payments are too low but told us to pay…
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The Horror....my SOA
Hello This is my first post, so I'm a little bit nervous. But it's about time I confronted my 'demons' so here goes...... 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....................…
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How many years of debt?
Where do I begin?! Years ago I entered into an agreement with a company (can't remember who now as it has been moved on and on to various companies!) for debts to barclaycard for my husband and I. I have been making payments for years (at least 7) and know that the original debt owed to barclays was more than paid! I…
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problem with kays mail order
i would appreciate some help. the problem is i opened a catalogue from kays which i paid fully till i was put on short time working. so i contacted them which they agreed i could pay reduced payments. which i did so my finances got worse. so i contacted them again and asked if i could reduce even further. they agreed so…
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Debt help
I have been working for the last 2 years to get debt free and improve my credit rating but I am now at a point after having to take a pay cut at work that I can't afford my debts and have any sort of life. By life I mean even having the spare money to buy road tax. At the moment I have: Welcome Finance £4789 - 68.4% -…
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SOA (kind of)
Statement of Affairs & Personal Balance Sheet Summary Monthly Budget Summary Amount(£) Total monthly income 2,101.72 Monthly expenses (incl. HP & secured loans) 1,840.99 Available for debt repayments 260.73 UNsecured debt repayments 509.59 Amount short for making debt repayments -248.86 Personal Balance Sheet Summary…
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problemo
soa for april mortgage 725.93 hfc (comp loan) 20.28 bank loan 11% 421.27 currently 22000 bank loan 11% 355.14 currently 12000 life insurance 20.20 npower gas/elec 67.00 sky 38.00 02 80.00 tv licence 9.95 water 21.28 management fee 85.00 council tax 112.00 credit card 0% 132.00 min payment (6200) credit card 6.8% 71.00 min…
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HSBC and Metropolitan Collection Services
Evening All I wonder if anyone can help? My husband requested an SAR from HSBC as there appears to be irregularities in account numbers that are quoted for him (he had a current account and a loan both with HSBC). We went on a DMP with CCCS last June (2008) - initially HSBC accepted the payment offers. HSBC continued to…
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Council Tax/Life Mess... Fraud?
Long story. I think I’ve committed council tax fraud and I don’t know where to turn. Here’s the story, which I know may sound ridiculous, but it’s been my life. Back in 1988 my mum’s business went bust. We lost the house, everything. Well, she was left with about £11,000. total. No home no assets, just about £11,000. She…
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divorce and debt
Hi my cousin is in a situation i'll try to explain as best i can.. 1.She left the maritual home approx 19mths ago and moved back into her terraced house she has a morgage on from when she was single she just kept the house rented it out to her sister. the morgage is in her name only 2. Her husband is still has the Maritual…
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anyone heard of consumer debt recovery ?
Lloyds TSB credit card are still refusing to accept my reduced payments even though i just keep on sending them well CCCS does .When i rang Lloyds collections they gave me another number to ring it was a 0845 number a man answered and said "hello NHA COLLECTIONS " it wasnt an indian call centre which i was quite pleased…
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The Awesome April NSD (No Spend Day) Challenge!
Okay, so I have volunteered for the challenge for April so feel free to join me! :D The whole point of this challenge is to set yourself a target of potential No Spend Days and then try and achieve it! It can be a little number or a big number, its totally upto you. Its also upto personal preference how to do this -…
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Credit score improvement - waddya reckon?
Credit scores are pesky little things. Mine and CK's are shot to pieces. Loads of maxed out credit cards, lots of rejected applications (trying to get 0% credit cards with no luck), lots of missed payments from hard times :naughty: (like when we scraped together £4 in copper to buy petrol - oh the humiliation). So anyway,…
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question about a 2 on my credit report
I have a default '2' on my credit report.It is with my mortgage company (Abbey) I paid £180 in Dec 08 of the £355due.The outstanding amount (£175) remained outstanding in January, £40 was paid off the arrears in Feb and the amount was settled at the beginning of March. Mortgage Payments for Jan, Feb & March were made on…
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Credit report query
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Northern Rock alleged mortgage arrears!
Hi All I wasn't sure whether to post this here or on the mortgages section. We are disputing arrears with Northern Rock and they have advised that they would stop all phone calls whilst this is investigated. We have today, received a standard letter asking us to pay the arrears in full. I contacted them to see if these…
