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do they cancel your card after f&f?
the title says it all after ive paid my f&f settlement does my card automatically get cancelled and/or credit limit reduced to nil...or do i have to call and cancel it myself??? :confused:
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Brunswick Collection Services
Got a 2 letters in the post yesterday (Saturday) from the above one letter saying a rep would visit, the other stating, " as you have failed to pay previous agents instructed by our above client (referring to my Clydesdale Bank Mastercard) we have now been authorised to recover the full amount you owe". Blah blah blah call…
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GE Money Lenders - repossession???
For once I am able to forget my own woes and am posting on behalf of friends of mine. They have a repossession hearing this Thursday, lenders are GE Money Lenders. They got into 3 months arrears last year and have not been able to catch up, they asked if arrears could be capitalised but lender said no. They did let them…
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Vanquis Bank......harrassment
I owe Vanquis £250 on credit card. They are well aware of my situation, that I am in touch with CCCS trying to sort out a payment schedule for them, yet they phone me and text me up to 6 times a day, even on a Sunday. Each time I tell them I can do no more and ask them to stop the phone calls and I even sent them the…
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Debt Free, & Fat Free the SW way
Ok so here we are again!!! Ive decided that I want to loose some weight and Debt and rubbish eating have always gone hand in hand for me..in fact I am sure a lot of my debt is down to going out and buying crapola food! So for me joining SW is going to save me money in the long run!! Depending on how heavy I weigh in at SW…
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help negotiating credit card rates
sorry newbie so don't know if my recent posts ahve been in the right area - have credit card debts capital one 10k lloyds 5k l ashley 800 egg 800 mint 6k am managing the minimum payments and ahve never missed a payment but due to late payments have lost my good rates - have applied for new cards which previously would have…
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Help please re DMP-can I pay any savings to one creditor
We are soon to start a DMP and I have worked out we may be able to save a little each month if we are careful. As I am expecting some creditors to not freeze interest can I pay off any savings to one creditor to lower my overall debt or will CCCS make me share it between everyone. Also, if I have a savings account will…
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DMP or Bankruptcy? No house.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 0…
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Clearing overdraft
Hi guys I'm kind of a newbie to the site but wanted some advice. At present, I live in my overdraft of £900 each month, but want to change my ways and pay it off sooner rather than later. I do have a second account which I have been using as a savings account and have no bills whatsoever coming out of the 2nd account. The…
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Could really do with some help with a problem loan.
Basically iv had some phone calls and letters from a company called BMS (Booker Management Services Limited of Newton Abbot) Any one heard of them? They are claiming i owe them money for a barcleys loan of £7370 When i checked Experian it said the loan was defaulted on 30/06/2004 It also says the outstanding balence is…
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Channel 4 Dispatches - Undercover debt collection exposè - Marlin Financial Services
Marlin Financial Services et al undercover report. Now available to watch online if you missed it. >>>>>> Dispatches - 4oD - Channel 4 <<<<<< Click Also to be repeated on: Wednesday 22 July, 11.05PM More4 Thursday 23 July, 3.15AM More4 Friday 24 July, 4AM Channel 4 Credit Today online - Dispatches to air debt collection…
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In the poo
Hi Writing this is v.hard so bear with me... I'm in a mess. I've been burying my head in the sand for far far too long and need to get this sorted. I've told my gf today what a mess I'm in, and at the moment, it looks like she's standing by me, though this is the 2nd time she's helped to bail me out (first time was about 3…
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enforcement order
Hi I'm looking for help and advice with an ongoing problem with Close Premium Finance part of Bank of Scotland. My husband took out an insurance policy in June 2006 for public liability with Alexander Forbes Risk Services which was financed and administered by Close Premium Finance. It was for a year but three months in he…
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help with intrun justitia
I'm really tyring to get all my depts clear and really thought i'd cracked it. Then get a phone call from intrum justitia saying that i owe them £46 for a dept to STUDIO. I'm sure i haven't owed studio anything for ages and told them as much. After i then refused to give them all of my personal details and past addreses…
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Clearing my Overdraft
Hello. I have a £3000 overdraft with my Llloyds Premier account. Im often going over my agreed overdraft limit and hardly ever have a balance above -£2900! The ammount that i pay each month for my overdraft/bank account is ridicilous. In 2009 ive paid; July - 21.33 Interest, 25.00 account charge, £20 returned SO fee, £138…
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sending letters to creditors advice please?
Ok i have found the templete letter online for this letter, and changed it about a bit. I am planning to send it to all my creditors and i just wanted some opinions to make sure it sounds ok first before i print a bunch of them out! Dear Sir/Madam Re Account No: Since making that above agreement with you, my circumstances…
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help with creditors please
Hi I have just had my final letter from CCCS confirming my DMP and how much they are paying each creditor I received a call from one of the creditors this morning (no rest for the wicked). I advised them of my situtation (which I had ready told them ten days ago) and gave them my ref number. The girl wanted to know what…
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some advise please
Need some advice I currently have loans with beneficial finance - pay £264 til jan then paid off. welcome finance - 100 a month for another 2 years i was managing these fine until on holiday a year ago i got a payday via online when i was skint. now im in loads of debt due to this. I owe 6 companys paydayuk -300+interest…
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Newbie wanting a little help
First of i would like to say hello to everyone before i start I am a newbie (As you can tell :rotfl:) and i am just after a little advice before i start trawling through the already 100s of pages on here, I have a debt that i would like to get rid of but do not know where to start? Im not shy so here goes, My debt is lets…
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vodafone debt
hiya, ive basically run up some mental bill with vodafone, and including the disconnection charges etc etc of like 750 pounds. ive had the reminder letter saying how much and if u dont pay it will be passed to a dca... should i let this happen ??? can i add this debt to my dmp and if it goes to dca even if its a phone bill…
