-
DG Solicitors and HSBC
Has anyone had any dealings DG Solicitors. HSBC's in house collections Metropolitan have ignored the fact that I have sent a letter of dispute as they have not provided me with the original CCA and have sent a 7 day to pay letter saying that if I dont they will pass teh account to DG Solicitors. Does anyone have any…
-
Hope No-One Minds Me Posting...Need Support!
OK, so after buying yet another pair of shoes that I don't really need, but really did want, at a cost of £130 (which, in my crappy state of mind I regard as quite cheap!!?!?), I decided to do a budget planner for March. After scrimping and scraping my way through the last few days on Feb, having wages in my account was…
-
Focus Nattypants Focus
Hey there Peeps Now I know that there's squillions of diaries on the go (most of which I read but never post on - oh except once or twice on Floxxie's) so.............the reason I have decided to attempt my own diary is that after 16 years or so of being in debt I am finally.....finally, achingly, close to being DF:j and I…
-
LBM No.2? CCJ from Northampton....eek!
:o Well, I had my LBM last October :j after a few months of lurking and digesting info and experiences. So I called NDL, got all my months of unopened post and sorted it and sent off letters offering a reduced payment and my SOA. Then I was made redundant, and instead of doing the sensible thing of writing to 'them',…
-
I dont want to stay in on a Friday eve!!
AAARGH! Am having a really bad case of itchy feet - my lodger is going out but am sat here being MSE and staying in! Am having for the first time in ages a burning desire to blow my budget! Even though I cant afford it am so fed up of staying in!!!!! Really want to go out... and being good is hard at times like this!!!
-
MBNA/Aegis letter
Another plea for help! We're starting a DMP with CCCS in May. I had a letter from Aegis this morning (they've been calling me constantly & I've just sent them the harrasment letter - I haven't taken any of the calls) regarding my MBNA cc. They basically said we've been instructed by MBNA to act on their behalf ... please…
-
Taking out cash after being told court date?
Hi all. I've filled out my BR forms and have been given my court date (Friday the 13th!):rolleyes: I have drawn out cash that was available on a credit card to pay the court fees, and I have also drawn out cash from my current account. I have taken out £300 over my overdraft limit to cover cost of living while I get a new…
-
Charging order on property?
Hi all, My parents have received a charging order on our house (its for a debt of 7500). I dont understand what this is? Does this mean we will lose the house? Thanks in advance.
-
What anount would CCCS allow for...
...2 people with 2 cats and 1 car. My husband wear Glasses so we have obviously need to put something down for this, prescriptions and Dentist. I have put down £15 a month. We have 2 female felines lol. I have put down for Vet costs £15 a month in case of an emergency on top of their annual vaccines. And any left over will…
-
Harrington Brooks
I have had an account with Harrington brooks /All clear finance for over 12 months, for which i pay £30 per week. Recently they did a review on the account and even though there is only one income now(i lost my job in july) the payments are still the same. It came to light that one of the creditors has not been paid for 6…
-
Question Regarding SOA
Hi all , fresh on here , so please go easy , Had trouble repaying huge mountain of cc debt for around 2 months now , been taking advice from a debt managment company in Belfast called Grant Thornton for 6 weeks now , feel i'm getting no where , haven't managed to find any free advice yet as local CAB debt advice person is…
-
Credit Rating
Help! Can anyone tell me if they have experienced this and if there is anything that can be done to put it right in less time then 6 months. Up until yesterday I had an excellant credit rating, I shopped around on the comparison sites for a loan quote, the companies I spoke to, even though I did ask for a quote, did a…
-
Has anyone ever done a Tefl Course
Hi Guys Having lost my job and debt mounting up by the day. I have lost count of the jobs I have applied for. There is nothing out there. Has anyone ever done a Tefl course and taught English abroad. I know the initial out lay is expensive, but do you think they are worth it. Or are there chearper alternatives Thank you…
-
Bad Credit Rating! :(
Hi Guys First time poster here... I've just got a copy of my credit report today from both Experian and Equifax. It shows that I have 2 CCJs against my name, one from 2006 and one from 2008. As I want to try (desperately) to get on the property ladder, I really want to get my credit in order. How can I get rid of these…
-
My story (CCA requests and hopefully F+F settlement)
hello all, been on here for years but not really posted. I got myself into trouble in 2004 when my parents split up (i was 20 and very nieve) i owed around 12k to 6 different companies (egg, natwest, etc) and i couldnt afford the repayments. what did i do? bured my head in the sand! i had 6 defaults and was close to being…
-
Debt question
This maybe a dumb question but what do i write down as my debt. For example i have a car finance loan of £6104 but after the term i will have ended up paying £11451 back including the interest. Do i use the 6k figure or 11k figure as my debt. Currently i am using the 11k Thanks:A
-
RMA Letting off steam!!
Although I quite a lot of debt I have always managed to make my monthly payments. Often only the minimum but payments nevertheless. Last month I forgot to pay my Virgin card (I moved house) and when I received my statement I paid the minimum plus a bit via online banking. In the meantime MBNA had passed my account to a…
-
Newbie, 2.5yr Goal & SOA Included
Hi Everyone :j So here I am, ready to try and clear our debts!! Ok first i'll start with some boring info about us. There is myself, my Partner & our little boy, we did have a 1 bed apt (bought before the baby came) and we had to sell it when the little one was 1 due to there being not enough room, after the mortgage was…
-
i just got a letter from hlleagal/capquest
i just got a letter from hlleagal/capquest telling me that scotcall are coming to collect the debt i owe.... should i write them this, Receiving continual threats by letter, threats of visits, and actual visits quite clearly constitutes harassment. Whilst I am sympathetic to your position of desiring to ensure that your…
-
parking tickets and hard times?
Hi, is the:mad: re any way to get round paying a parking ticket when you are having hard times? anyone????? Thank you x
