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FAO: ness2020
I've posted this on behalf of Sarah as she's not currently in the office. I've had to set up a new thread for this as originally it was sent as a PM but ness2020 cannot accept incoming PM's! Hi Vanessa. Capquest are incorrect in saying it's down to your Mum to prove she doesn't owe the money. In fact, it's Capquest's…
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lloyds tsb..im now complaining to fsa...
i havent been on here in a while as my DMP with CCCS has been running for nearly 2 yrs... Lloyds TSB however are a complete pain in the butt... i have an O/D and a loan with them on my DMP and they wont accept the payment from CCCS direct. CCCS pay my payment into my lloyds O/D account and the lloyds loan get their share…
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Anyone Asked Their CC Provider To Freeze Interest
Has anyone had any luck in getting a CC provider to freeze the interest? If so, how did you go about it?
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Advic Please..
Sorry I am new to this and apologies if i have posted this in the wrong place. I went bankcrupt on 19th Nov 08. And feel the pressure has now been lifted! I am in talks with my new partner, about him moving into my home in the next few months and was wondering how this will effect my bankcruptcy?? (I know whatever happens…
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Need to send a letter TODAY!!
Hi all, Following on from a recent thread. My stepfather has been unemployed for 8 months, has buried his head in the sand and ignored letters from MBNA. He owes 6k and has no means to pay it, has no assets (it is my Mums house, whilst he lives there, they are estranged). MBNA have said that if they do not hear from him by…
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Family and Money
Right, I havent been on here for ages, but now find myself in a right pickle. so here goes: Last year i borrowed some money from my other halfs family member with out my other half knowing, as im sure he would have hit the roof. Now i have been paying it back at a rate of £100 a month, all is fine. Now the family member…
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Writing to Virgin Credit Card
I need to write to them to discuss my situation. Does anyone know the correct address? It's not clear on any of the paperwork I have. Thanks MB
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Heads Still Just Above Water
Ok, I first came on here a few weeks ago as our situation had become pretty much unmanagable. I was advised to DMP by the CCCA but was reluctant in that we have never been so much a late on any payment before-ever. I got various bits of advice (my thanks)but have actually done nothing but seriously look at our spending and…
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Some advice please - debt collection
further to my previous thread http://forums.moneysavingexpert.com/showthread.html?t=1432381 i have received letters from HSBC and Barclaycard (mercers) HSBC has written to me to say they are giving me an oportunity to pay a reasonable final payment from me before they will pass this on to a debt collection agency who may…
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spending diary help...
Just trying to work this out and would love your help. Sheet one = date, category, description, type (cash vs card vs bank) amount Sheet two = Category totals Annual spend per category [FONT="]Monthly average[/FONT] Sheet one I'm fine with , it's just sheet two. How would I bring the category amounts over to sheet two?…
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I have court paper N39 just served on me..help
I have a debt of 41,000.00 after my house was repossessed in 1995. I have made some payments but I stopped when my hubby was made redundant in 2007. I asked for a reduced rate and they sent me an income expenditure form and I filled it in and sent it back. I rang them after a few weeks and they said they never got it. I…
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D.c.a.
CAN ANYONE HELP, Last year my partner challenged the d.c.a. that was collecting on a debt that was unenforceble under the limitations and precriptions act and also the company could not produce the original agreement, after she challenged them we heard nothing more until now, the debt has been sold to another d.c.a. is…
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Lump sum in my pocket!! Pleae help me decide what to pay off
Hurray for a windfall! My husband was made redundant last month, and compensated to the tune of 10K. He is now working again (hurray!), so we have this 10K to do something with... We currently have the following debt: Credit Card at 15% APR, balance 2000 Loan at 4% APR, balance approx 5500 Student loan at 3.8% APR, balance…
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Coming off a DMP to repair credit file
Hi Guys and Gals I was just looking for some advice on whether it is worth me coming off a DMP to pay my creditors direct and paying them more money each month, but only if they remove the default's that they registered against me when i went on DMP. I may be getting a new job soon that will allow me to pay considerably…
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lost job major debts
I lost my job in november and have been applying and looking for work but i just cant get any. I have maxed out my credit card and it has now been cancelled , but i still need to pay the full amount i have also used my full overdraft and am in a lot of financial trouble. im 21 and my 19 year old girlfriend paid out of her…
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I owe a small fortune to a Dutch bank - what can they do to me?
In 2001 I lived in Holland with an ex, we got a mortgage and during the six months we lived in the property I paid my half of the rent to him cash in hand. When we split up, I called up the bank to arrange to make my part of the payments directly to them until the property got sold. They then said, well, no - we want the…
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Advice Needed
Got a letter today from SECHIARI,CLARK & MITCHELL solicitors because of my Lloyds CC i have been told it is from lloyds and not to worry but i am worried on what the next step will be by Lloyds . I rang the number on the letter the lady was actually very nice she said if i cant increase my payments which i cant she will…
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Help needed for a response letter for Blair oliver & scott
Hi, can anyone help please I am trying to find a template letter to respond to a loan (unsercured) credit agreement that blair oliver have sent me, its on a A4 sheet of paper but it only covers 2/3rds of the paper and the copy on the front is exactly what is on the back its very strange, its not legible at all and there…
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Possible Doctored CCA from M&S Money
Hello,I requested a True CCA from M&S Money and recieved this, see below. I think it is not totally above board. On the first page it has a list of charges that would be applied to the account, I.E late payment. But all the charges are for £12, but in 2006 when this CCA was signed the charges were definatly not at a rate…
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HELP PLEASE -Marston calling card - £747 owed to council??
Hello everyone, I hope you can help with a disturbing card left by the above- They claim to be coming back within 7days to execute a distress warrant, and have powers under schedule 4a of 'Domestic Violence, Crime and Victims Act' to enter my property, BY FORCE, using locksmiths where required.. !!!!!!?? I have never…
