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Soa Help
Hi All, After months of fretting we have now (finally) sat down and done an SOA, I wish we'd done it sooner but there you go! We are failing to earn enough to cover our costs and have tried calling our various credit card companies to ask if they would consider reducing their interest rates, all said "No". The figures in…
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CCI Debt collectors wanting more money!
Hey everyone, sorry if I'm posting this in the wrong place. I've recently sent off an incoming / outgoing form to CCI debt collection agency for my unpaid final uni year's tuition fee. After going through the form I had £65 leftover monthly, so I offered to pay them £20 per month. I've just received a phone call from them…
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letter to mercers recorded delivery
not sure this is the right place to post this if i'm honest but couldnt think where else would be better, plus thought it would be good to warn people of as well! i posted a letter to mercers on 21/02/2009 recorded delivery telling them i'd changed address and sent a copy of my up to date cccs budget telling them of the…
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Urgent Advise Please
I ran my own business from my previous address and got into financial difficulty during last year. We kept deciding to carry on another week and hope things would improve. They didnt, custom slowly decreased and the debts spiralled. The only assett i have is a small equity in my previous property. My mortgage which is…
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CCI Debt collectors wanting more money!
Hey everyone, sorry if I'm posting this in the wrong place. I've recently sent off an incoming / outgoing form to CCI debt collection agency for my unpaid final uni year's tuition fee. After going through the form I had £65 leftover monthly, so I offered to pay them £20 per month. I've just received a phone call from them…
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12+2 letter follow up for cca requests please help
Sorry to ask this as I know its been asked for a thousand times before but can anyone show me where the 12 + 2 days letter is for a follow up for a cca request. I cca mbna on the 21/02/09 and have not been provided with one, what they have sent me is a nasty default notice and said if I dont pay up in full they will…
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Default issued on debt in dispute - is this allowed?
Hi, I signed up with a kick boxing class last year and signed a contract for a 'training programme'. I was told that each belt should take a maximum of 3 months to gain but that if it takes you longer than that then you don't pay for the extra training that it takes you to get your belt. I also signed a direct debit…
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F&F offers – who's likely to say yes?
DH is in a position to make F&F offers. Does anyone have any ideas which of these companies might say yes, and any ideas of the % they might accept? Barclays, Barclaycard, Creation, Link Financial (MBNA credit card), Moorcroft (Egg card), Blair Oliver & Scott (Halifax credit card), Lombard credit card, Fenwicks storecard.…
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Just when I think things can't get any worse, I am told I am being made redundant!!!
:eek: :eek: :eek: I am besides myself. Completely in shock and slightly in a panic state of mind. Sorry - just wanted to share.
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Bogus Call
Hi Just had a strange phone call a company saying they are trying to get peoples credit cards down to 0% in line with current rate drops, I was rather busy and stupidly admitted I had balances, told them with which co's and apprx balance and that they were more than welcome to send the info but refused to give any further…
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SAR template please?
i am just sending the do not harrass me on phone letter and georgeuk has suggested i send them both a SAR request too, but i cant find the lnk anywhere and son is poised with coat on ready to go post office for me to send them recorded delivery, so can someone help please?
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Help what do i do now
I am 27 and have not paid my credit card bill for over a year now (I know Im silly but iv just put my head in the sand) and the bank have passed on my debt to Allied ltd and they have told me that I have to pay the whole amount of my credit card debt or they will take me to court. I told them that it was not possible and…
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Letter from debt management company saying im debt free??
I have recived a letter today from my old dmp firm which i recently left to go with a none fee paying firm. In the letter it thanks me for completing the plan and also states that they have confirmed with my creditors that my outstanding debts have been cleared via them. The lines as you have now paid your creditors off in…
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Please Help Me!
Hi all, im in need of some advice. i took out a trust deed 6 months ago, i had to open a new bank account which had an overdraft included (this was before my trust deed was signed) i did not request it it was just there. anyway, the last couple of months have been hard and i had to spend money on the dentist, my car failed…
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Need Help and Advice Please!!!!
Through my own foolishness I managed to build up a big backlog of Council Tax and had been paying it off monthly at a rate of £150 per month, with no problems until I got made redundant in December. I contacted the collection agency straight away and advised them that i may not be able to make the same level of payment as…
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Equita Baliffs- but we don't owe!
Not sure if this is the right place to post, apologises if not! Basically me & my partner have been living in our privately rented flat for 3yrs and the whole time we've had letters & visits from baliffs. We've just got another letter- from Equita. We've called them again to say that we're not the guy that owes the money-…
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reclaining store cards and catologue chargres
i have put in claims to reclaim credit card charges. can i do the same for store cards and catologues? and if so is there a template letter for theses?
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Phone Debt (Three - 3) HELP!!!!
hi guys not sure if this section is where this is destined but i thought it was so sorry if it isnt basically i had a phone out on 3 - 20 pounds per month but in december one night i was on the phone with my ex and we basically fell asleep on the fone , the call kept on going as id used all my minutes too it was charging…
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Confused
I am in the process of repairing my credit rating. Checked my credit report on equifax and got a credit scor of 248, I also then chequed experian and got 620 I do not understand why they are so different. Could somebody explain. Desperately want to move at the end of the year and so the quicker I can get a good rating the…
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Cabot
I have recently been advised by Cabot Financial (Europe) Ltd that they have bought my debts from EGG. Enclosed with Cabot's notification was a letter from Egg (supposedly) advising me of the transfer, however, the letter was signed "Cahoot" Abbey National plc. so obviously the letter originated from Cabot and not EGG…
