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CCA valid?
Hi, We requested a CCA from Next on the 17/03/09 and received this this morning: http://i715.photobucket.com/albums/ww154/thenightporter_bucket/coop_cca2.jpg http://i715.photobucket.com/albums/ww154/thenightporter_bucket/coop_cca1.jpg (the links say coop but they are from Next - my mistake naming the pictures!) This…
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Why choose a DMP over an IVA?????
Why if you owe for e.g £20,000 would you enter into a debt management plan and agree an affordable fixed sum per month until the debt is repayed if you could set up an IVA for a similar amount and have a large proportion of the debt "written off". Why would a creditor "write off" such a debt under an IVA if they can see…
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Acceptance letters from creditors
Today we've received two letters from creditors saying they have accepted our offer of full and final settlement which is great news but we're worried that the letters don't say all that they should and that there may be loop holes we're not aware of. Can anyone tell us what the creditors should say in these letters in…
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Surely this is too good to be true?
Hi there, I have Bipolar, was diagnosed in 2000. For the past year I have managed it without medication and am now progressing quite well. At a recent health review I mentioned to my Doctor about the debt I accrued 3 years ago during a particularly bad episode. My Doc said it was possible for him to write to my creditors…
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Help regarding Charging Order
Hopefully this post won't get confusing, here I go... My fiance and I are helping his mother with all her debts. Everything fine, she is now paying small amounts on most of them. However, she had a letter from Asset Link Capital regarding a £2,500 payment for windows which was a loan in 1996. They also sent the CCA.…
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Credit Card Companies Keep Calling Me
I am in my first month of not being able to pay my credit card bills because of being out of work for 6 months. As previously posted here I have sent the standard letters to them all and added ingoings and outgoings and they did not want to help at all. I have sent another letter requesting that they stop calling me as…
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funny letter
Im sorry I couldnt work out hwere to post. I received a letter today, well my house did from a company called 'direct recovery solutions' saying they need to contact me urgetnly regarding elctric supply to my address in 2004. It was adressed to 'the occupier' and I would usually just throw those away. I also wasnt living…
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advice regarding DCA
my debt has finally after two years been passed to a DCA called blair oliver scott which i believe is the in house DCA for BOS/Halifax. Now i made regular monthly payments to BOS/Halifax via my DMP. Do i call the DCA and let them know that they will be receiving this payment from now on and give them the DMP details? sorry…
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Why have I reacted like this?
I am busy battling my debts. I'm fortunate that I can manage to make all payments and stay within my income so it is all gradually being paid off. Feeling quite proud of myself. I was talking to a very good friend today who earns substantially more than me, has 2 incomes in their household who then proceeds to tell me that…
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I don't have enough money to pay Payplan this moneth what can I do - very worried :-(
Hi everyone please help if you can, I have got myself into a right mess and owe 3 payday loans totalling £1,000. I have not got enough money to pay Payplan this month (£228). I usually pay on the 1st of the month and this would have been my 5th month of the plan. I just do not know what to do. I am up to my neck in these…
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my card has been cloned help please
went out today and paid for some grocerys but card was declined even though theres money in the bank..anyway i came in and theres a call from hsbc..i said id ring them back on the bank number i use (im very suspicous of calls from the bank) anyway reason why card has been declined is that someones cloned and used it to…
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Welcome Finance - Bullies have started!!
Please could somebody help, as I really dont know where to turn Of course its yet again WELCOME Finance and the bully BOYS. I purchased a car on Hire Purchase from Car Craft in August 2007, I paid a £1000 deposit, and the car itself was £6000, the total value of the agreement a shocking £14809.00 I have maintained all…
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Sehari Clark Mitchell
I had a car on Finance in 1998. The car was stolen and insurance paid out the majority of the balance there was a shortfall of 2.8k. I have had a CCJ on this against me in approx 2004. I began paying a small amount as orderd by the court and stopped paying this about a year ago. I never heard anything until 2 weeks ago and…
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OFT Section 40 (Administration of Justice Act 1970)
Hello, I am getting continued regular and nuisance calls from one of my creditors and have already written to them 3 times relating to Section 40 of the Administration of Justice Act 1970. I now feel it is time to contact the OFT to take this issue further. Does anyone know the postal, email, phone details for the correct…
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Getting debt-free whilst overdrawn
Afternoon. I was wondering what you lot do when you’re trying to get a handle on getting debt-free but are stuck with an overdraft that doesn’t get cleared at the end of the month with pay but seems quite often to get larger. Would it be worth my getting a basic bank account for the day-to-day stuff – have my wages paid…
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cabot cca
http://img16.imageshack.us/img16/9773/cabotcca.jpg This is what cabot sent me today in response to my cca request. It did contain my signature which ive blacked out could someone please check the validity of it. thanks
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Charles Howard & Partners
I haven'y had any nasty phonecalls for ages now and quite freely answer the phone without any worries since getting the dmp from patplan, however this morning I have received a letter from Charles Howard & Partners of Thornton Heath, Surrey , regarding my Nationwide credit card. The letter is 72 hour notice of home visit,…
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capquest debt
hello,can anyone advise.A judgement was made to pay £2.00p per month.in 2007, to Capquest. I paid regularly then i was offered d/debit facility.which i signed and returned I never heard anything more and the money was not taken from my account. I was then informed another court hearing as aanother attempt to have a…
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New life - Starting Again
Hi there , this started when i was 18 , i had a few cc's and was working part time while at college and then uni . i had part time jobs .. but also had a nasty addiction to new things . I loved new computers , Tv's .. i had to have the best !.... all started off well .. then things started to Pile up , the ability to use…
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Weekly Spend Challenge W/C 29th March
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
