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13 years OMG.... Fermi please
OK I got my cca request today and this is from 1996 13 year's ago. And from an old address too What do I do now???????????????????? What a joke:D
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consumer credit counselling service
Hi, just before christmas i was paying my debts off through the cccs (consumer credit counselling service). My business slowed down and i had trouble paying them and missed some payments without letting them know in advance. I closed my business at the begining of december and on the advise of the cccs payed my creditors…
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a little light relief
this is from the credit industry news letter. http://www.imfs.co.uk/downloads/sp-dec08.pdf CCA REQUESTS on the increasews and views from the credit management industry More and more debtors of our consumer clients are delaying payment by requesting copies of their Credit Agreements under the Consumer Credit Act 1974 and…
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Debt & Savings
Hi there, I need some helpful advice please. I have a couple of debts with big monthly outgoings and a fair amount of savings. Now after reading Martin's advice I wish to use the savings against the debt but I'm not sure where to start. I've listed below what I owe followed by my savings. What is the best way to start…
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Hi there...really scared Newbie here
hello everyone... as it says in the title I am a newbie on this site and I am just looking for a bit of help/advice/reassurance please!! Last month I faced up to the fact that I was in debt and needed to do something about it, I couldnt keep up with payments on things and default charges and late charges were racking up so…
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Removing a Default (British Gas) from my credit report when it is a mistake!
Hi All, I was turned down for a few credit cards recently and couldnt understand why so thought I would look at my credit record. Basically i have a default on a Gas bill from last year, all my personal details look correct on the default but I wasn't a british gas customer at the time and have received no letters…
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Anyone in London need a lodger for extra cash?
Previous thread: Please Help /Suggestions If you read my previous thread you'll know where I'm at.... I work short term freelance contracts in theatre as a stage manager. I've just been offered some work in London from mid April til end Sept. Need to find room to rent in London as inexpensively as possible... any offers…
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Cant pay things off
Ive got a few payday loans I cant afford to pay off or extend, one has allrady not cleared in my bank. Its with a local company what should I do? Should I write to the shop or to their head office? How likely are they to take monthly payments and stop the sending the cheques to the bank? thanks Kirsty
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Tuesday 10/3/09 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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Ey Up Gang !! ****daily chat thread**** 10 March
A big Ey Up Gang :D chop chop busy busy work work bang bang :) Have a good day all ;)
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Repairing My Damaged Credit Rating
Hi all, Just thought id post with a couple of questions and points regarding repairing a credit rating. I'm a 22 year old with a seriously negative credit rating, as a result of messing about with money while i was younger and alot more irresponsible. I owe in the region of around £4000 to a couple of different places,…
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Boopydoo's challenge for 2009
Evening all! My OH has set me a challenge tonight so I thought if I popped on here and started a diary I could get a few hints, tips and most importantly a good kick up the backside if I start to waiver! Before I tell you the challenge I should tell you a bit about myself. I'm in my final year at university doing a course…
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SRJ Debt Recovery again !
I am disputing a debt with the above collectors. They ignored details of my dispute by telephone, so after advice on here I wrote them a letter (recorded delivery) detailing the dispute and also quoting the OFT that they were using unfair business practice by not looking at the dispute. Well today I received a letter…
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Serious Debt help! your thoughts please
Hi - im posting on behalf of my friend to see if anyone can help. They have spoken to someone about an IVA, and will be speaking to the debt charities too - but id really appreciate your thoughts/advice if you have any. Debts Mortgage -190k (has arrears, sale fallen through and will be repossessed soon - lender starting…
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My money saving deed of the day
I have today been onto BT and cancelled my calling features which cost around £7 a month on the land line. I have also changed my option from unlimited weekend calls to unlimited evening and weekend calls for no extra cost a month. My new bill is due in on the 11th so I should save £7 this quarter and a further £3+ in…
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court claim
hi every1 ...in need of sum advice....got a court claim through the post on the 16th feb 09 .....on which i have knowledge i wish 2 defend the claim....so need advice on haw to word my defence.....i sent barclaycard a cca request bk in may on which they never replyed so stoped payin .....i carnt find my copyies anywhere…
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Its slowly sinking in!!!
Just need to tell all you lovely people who have given me soooo much inspiration that I'm finally beginning to get the hang of this. I have faced up to my debts reined in the spending so that I'm meeting all minimum payments and sticking within my means but I could do all of that before when I thought carefully about it…
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Question about court timings
I submitted a defence on the 9th February this year through the moneyclaim site in respect to a claim made against my wife by restons on behalf of MBNA , since then haven't heard a thing - how long does it tend to take until we hear from the court?
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New to MSE and need some Guidance
Hey Guys I am a newbie to MSE! i am saving for a deposit for my house and even though i have been following the website for months i have finally decided to kick myself into trying to save some money to pay of my debt and make some extra cash. I am wanting to pay of my £280 RBS overdraft and my £490 Barclays overdraft I am…
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Something to admit- don't shoot me!!
Been on here for a little while now and subscribed to many diarys and started my own but need to get something off my chest!!! I work for ....Barclaycard!!!!:eek: I know and they are one of my debts!! Been there less than a year and work as a project manager so nothing to do with the card side more IT but still! But pays…
