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Fitness First debt etc with Son in Oz
Hi, Fitness First claim my Son owes them £55.00 and I now have a letter from CARS debt collectors with a letter of legal proceedings. He was told that his account was closed before he left for Oz but they claim he owes this money. Can I ask them for all payments he has made along with signed contract? He also owes T Mobile…
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*Manic Monday Chat Thread*30th March09*
Oh I am late, why did I think I would be getting up at stupid o clock, the clocks went forward NOT back!!!:rotfl:silly moo me. Not late for much, at home today. Supposed to be having my new floor laid but builder coming tomorrow......I hope! he is only two weeks late already, but thats the perils of having a floor done by…
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Monday 30/3/09 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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Can't settle :-(
I'm in the process of doing my SOA but I just needed to come and get something down on paper as I really can't settle. I wish this were my light bulb moment but to be honest we've been here before (spending more than we earn) and remortgaged to cover it (twice) and here we are again, with no equity in the house and…
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Howdi all
Just thought I'd pop in and say a quick hello. :) Not been 'up here' for ages. :o How's everyone doing? I hardly recognise anyone anymore! :eek:
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CCA - DMA keeps changing
Hi, My husband has a Lloyds TSB credit card, he was receiving letters from Sechiari, Clark & Mitchell. So we sent a CCA request to Sechari approx 2 weeks ago, to which we have had no reply. But now a company called MHA collections are calling and writing saying they have been instructed by Lloyds TSB to recover the…
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Debt advise for family member
Hi My younger brother who still lives at home has several debts, as follows: Westcot - : £350 - last letter asking for full balance or will be sent to door-to-door collection agency. Moorcroft - £550 - last letter asking for payment in full or for an agreement of £15 per month otherwise court proceedings. Capquest - £1250…
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Dentists - i need some advice
Hey guys, The last time I went to the dentist was about 3-4 years ago and that was a private one because the local news at the time featured an article regarding the lack of NHS dentists in my area and the crazy waiting times. Tomorrow I'm going to be phoning around to see if I can get an appointment but before I do I'd…
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Hi just looking in
Hi folks, been a while since I come in here. how are you all doing. I know it is not easy but hope you are still aiming to be Debt free.
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Notice to newcomers - part 5
Please beware of condescening regulars telling you what you should think! What is a condescending regular? Probably one of the same people who populate this board with trivia so that newcomers like you can't get a word in.
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What shall I do?
:mad: Hi All, I hope I have put this on the right board sorry if I have not! I need some help i have a couple of catalouges with not much on but due to my hours being cut I need to reduce my payments out every month till they are increased I have emailed, wwritten to Littlewoods and the other one to let them know this and…
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Provident - again
I think this is probably my third thread about Provident :rolleyes: I must be boring you all to tears. My last thread was this one: http://forums.moneysavingexpert.com/showthread.html?t=1435249&highlight=provident just for a bit of background. Now, I moved home, I am now staying with my mum while I hunt for a new flat.…
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Ignoring CCA requests - Blair Oliver/Cabot
Hi Anyone with a view on what do do - Blair Oliver ignores my request for CCA requests, sent by recorded delivery. Otehr company - Cabot - says it has "located" the "application form for a Monument card and said it would post it (9 days ago.......) Views please.... Thx sw
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Loan enforceability cases and credit ratings
I am in the process of challenging the enforceability of three loans. Two are being challenged by a solicitor on my behalf, the other I am doing myself. I am not receiving anymore chasing phonecalls or letters from the two being challenged by a solicitor but am getting letters from the third creditor I am challenging…
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Moorcroft/Natwest Credit Card
I owe £230.35 on a Natwest Credit Card - the debt was passed to Wescot when I lost my job and had only job seekers as an income - I sent a soa and everything and they wouldn't accept £1 payments or freeze charges etc... I was unable to make payments and the account got passed to Nelson Guest and Partners Solicitors - who…
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what are the next steps
had our paperwork from payplan filled all this in and will post Monday. :confused: so is this right we are going on a DMP first payment to come out in May do i CCA the creditors or do i send the letter saying we can only offer a token payment this month but are setting up a DMP. could someone give me the link to the…
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Can they do this?
Hi all, me again. Right here goes. Had an ADDITIONS catalogue for a few years. Had a balance of £2600 (eeek! yes I know) Got behind with the payments last year when hubby's income dropped. Phoned them to ask if we could pay a little less and the only way they would do this is to roll it in to a new account which she said…
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Would love some advice on getting started
I spent quite a long time on the phone last week trying to get through to CCCS and National Debtline, finally got to talk to someone on Friday and she was lovely and really helpful, but needed to call Business Debtline as I'm self employed, but the guy I spoke to said he couldn't really help me as I'm pregnant. So I gave…
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Moral issues in trying to reduce debt
Maybe it's just me, but although I need to do all I can to become debt free I feel uncomfortable when reading other people's posts that in order to reduce their outgoings they are happy to "lift" things from their workplace (batteries, stationery, milk etc.) or to charge their mobile phone using work electricity. I know…
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Co-op CCA valid?
Hello again, We asked Co-op for a CCA on 20/03/09. We received this this morning. http://i715.photobucket.com/albums/ww154/thenightporter_bucket/XL800296.jpg http://i715.photobucket.com/albums/ww154/thenightporter_bucket/XL800297.jpg http://i715.photobucket.com/albums/ww154/thenightporter_bucket/XL800298.jpg…
