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HFC Bank
Has anyone had any dealings with these? Rang them today and asked if there any way they would settle for a F & F reduced settlement. This is my smallest debt of £148.00 so want to get rid of it. The lady on the end of the phone sounded like she was in an indian call centre - I could tell she was reading from a script. She…
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starting to sort my life out help needed
well where do i start, been kicked out of home, no job back a parents, no savings, but ready to start a structured approach to this mess i cannot pay one penny credit card, £281 and rising x3 poss 4 seem to come out of wood workdebt agencies after me but still on good terms, i am thinking about challenging them for…
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Early settlement figure - Help
I was wondering if anyone is very clued on, with the consumer credit early settlement reg 2004 pls? So they could cast an eye on the settlement figure calclation i received pls. Something doesn't seem right about it.
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ccj admit or defend
which is best which is the right way to go with a ccj whats they best way to defend it ----whats the best way to admit it are there any guides to haw to best approach a ccj regards moneybuster
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CCJ help.
Hello, If i have posted this in the wrong section then i appologise. i recieved a CCJ for a debt back in 2008 the total awareded was £243.70 which was awarded to Leicester Aldridge LLP, on behalf of there client. a breakdown was: £141.70 debt including any interest charges, and £102.00 costs (this is what the CCJ details)…
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Which to pay off?
Hi all, I know that the "key" is to pay off money from the highest debt first but I wasn't sure in this case. I've sold some stuff on Ebay and have a couple of hundred pounds. I wanted to know whether I should pay this off my credit card (34.9% APR on a balance of £8,650) or towards my overdraft of £500. I'm just aware…
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First day facing my debts !!
Hi everyone, i have been watching this site for about 6 months and haven't been brave enough to post till today!!. I am a 34 debtfree wannabe and live with my hubby who is 35 and our little girl who is 3. We both have good jobs and earn decent wages. i earn £37k/year and he earns £42k/year but we are seriously in debt from…
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Internet - Whats the best way?
I'm currently in around £15000 debt and keep hearing that the internet is the place to earn money, the problem i'm having is every time i write the words "money" and "internet" into a search bar all i get is spam sites trying to sell me their theory on how to make money. My question is, does anyone know how to actually…
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Global Vantedge calling tomorrow-what do I do?
Hi I have sent offers to all of my creditors two weeks ago. I have now missed 2 month cc payments on all my cards. Mint & Halifax have currently accepted my offers. I have had a card through the post today saying Global Advantage will be calling tomorrow between 8am-9pm. I think they are MBNA who have been constantly…
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TGI Friday-daily chat,17th...
Here it is,away you go.........
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McKenzie Hall....Anybody dealt with them????
Hiya, can anybody give me some advice please. My husband just got a letter from McKenzie Hall, so he rang them, gave them his details they told him they had bought a debt for a car we bought in 1995. The last time we paid anything on this debt was back in 2000 and it was £10. This so called lady who he spoke to…
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Friday 17th July - What small DFW things have you done today?
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, when…
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Feel guilty..
I have just had to increase my debt my £100 and now feel really really guilty!! Do people on the DFW train feel exactly the same or am i being far too harsh on myself!!
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Asda cc/GE Money/ Viking colletions/CL Finance!!!
Why have they done this? Have been on a DMP with Payplan since January. My Asda cc is one of the smallest debts and causing the most problem. I have been making regular payments every month through Payplan. I was then contacted by Viking Collections (part of GE Money) who said they had not received any correspondance from…
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When things look bleak, something to make you smile!
As title says really: http://www.youtube.com/watch?v=FKN7aWTUrIU Never a truer word said! :j:D:j:D:j:D:j
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Debt Letter from a German DCA
Hi everyone I have received a letter from what I think is a German DCA. They are telling me that I owe a company useNext which is a file sharing thingy 152 Euro. Now I signed up for this a couple of years ago bought unlimited GB for a month for £15 or so. I also cancelled the agreement; or so I thought. I did get an email…
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I have won the first round against HSBC and O2
Back in April 2007 we switched accounts from HSBC to First Direct (FD). Everything went well, or so we thought, we took advantage of the "we'll switch your DD's etc" - can you guess where this is going. All went well until Feb 2008 when hubbie and I get hit with a Final Demand for £1587:00. The onus being on the "little…
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Debt Management Company
Cant find any info on this so I need some help please!!!! I have had some financial advice from a local company as I need help paying off my debts. He has done me some paper work and plans and was very helpful, I have got the paper work today to sign and the fees seem high. I knew there would be a fee but the charges are…
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Contacting HSBC?
I recently replied to a letter from HSBC offering them full and final settlement. I need their response by tomorrow afternoon as CCCS need to process the extra payment I've made to them - either to HSBC or someone else. I can't phone HSBC as I can't remember my login details. I have the name of the person I wrote to - does…
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IVA or debt management plan
Hi. I think its about time i come to my senses and deal with a few 'issues' i have before its too late. Ive spoken to an IVA company today, (Zebra money management) who had told me that they can spread my debt of approx £9k over 5 years. setup fee would be £70 and monthly payments over 5 years would be £150, making it…
