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Egg- Default Notice
Hi all, Just looking for a bit of advice please. Just received a Default Notice from egg for a debt of around £6,500. I sent them my notice of DMP a month ago and they've taken two goodwill payments since then. I've only missed one payment, so I think it's a little harsh that I'm getting a Default Notice almost…
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List of Creditors requested
Hi, after speaking to the lovely people at CCCS we have written to our creditors offering reduced payments asking to freeze interest etc. We plan to go ahead with a DMP with CCCS but they said there was no harm in offering and making reduced payments whilst this is being set up. However today we have received a letter from…
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SOA post BR - can you please advise?
Hi everyone, am halfway thru my BR forms and have now completed an SOA for post bankruptcy. Two things to point out. My mortgage payment is currently £606 - this includes £200 per month towards arrears which will finish at Christmas. The payments towards the secured debt is also higher than it should be. First one should…
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help with pigsback pleeeease !!!!!
have just joined pigsback, and think its something i could probably accumulate a fair few points with as i live in a rural area and order online almost every week but where oh where are those click thingies ive read about? im i going blind or do they not show up every day? would someone kindly go onto pigsback to have a…
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Can someone help me?
Hi there I'm confused about what the daily clicks are? I do the surveys and go thru quidco for purchases etc, but would like to earn some more money to get debt balance decreased more!! Can somebody kindly explain to me what the daily clicks are? Thank you!!!! Kip Kip :o
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Can this debt agency ask for moremoney after settlement?
I had a DD with EON for gas and elec at my previous property. I won't go into details (makes a change for me) but they never re-assessed my usage or altered my payments to account for fluctuations (EDF had been brill at my previous address as had Scottish power in my property before - I got a rebate as a low user from…
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Wrong DOB on agreement
I've requested a CCA from a catalogue debt I have and note that they have my date of birth wrong. When I applied for the catalogue it was "by invitation" as I already had one from the same group. The date of birth they have on the CCA is in fact my husbands with my name on it? Whats the deal with this?:eek: All help…
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Help please !! True copy of cca ? or not ?
Hi i am new to the site and have been looking through threads on here about cc agreements . I asked 2 mail order firms for my cca 's and was sent a letter and a page of t&c's . The page of t&c's had my address, date and account number on and a signature on behalf of the mail order company but no signature of mine . I also…
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Bank account debt and court.
My bank have passed my overdraft (1800+ 500 charges) on to various people a debt collection agency then to someone else. They have offered me a settlement of 1700, but are demanding the payment in full. I am a full time student I don't even have enough money to eat or pay the rent due to the lack of a job at the moment. I…
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Information: Early next week all UK mobiles will be on a directory!!!
Early next week all UK mobiles will be on a directory which will mean that anyone will be able to access the numbers. It is easy to unsubscribe but it must be done before the beginning of next week to make sure that you are ex directory. We have all unsubscribed and you may want to suggest it to all your friends and family…
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Full and final settlement
Hi, and thanks for reading my first post. I'm in trouble, like many others on this site, and would really appreciate help out there. My situation is as follows: I own a company that was 90+% reliant on the housing industry for it's turnover. We earned a good living and enjoyed a good standard of living. Eighteen months ago…
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DFW 9 July Daily Chat
morning all - where are you all, you sleepy heads! I'm off to work, bit tired. Sally, hope little one is a bit better this morning. My sister's FB status says that she's arrived in Canada, lucky thing. She's gone out there to look for work for a couple of weeks. She's wanted to move there for a couple of years now and may…
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DMP/CCA For Negotiation Purposes
Now that I have my DMP set up with CCCS and the majority of my creditors willing to accept my proposals, I was wondering if I should go down the CCA route with those that refuse to accept my plan even after I have sent the please reconsider letter and still had a refusal. I still intend on paying these accounts back, as I…
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DCA taking no further action on £24000,BUT
Received a letter from the DCA this morning stating that the rest of the CCA information on my loan has not been found by the OC and as a result the DCA will not be taking any further action on the account and have sent it back to OC. They had sent me a SIGNED CCA with all the prescribed terms, but with no cancellation…
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Thurs 9th 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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Full & Final Payment?
Could anyone give me an idea what to offer Mercers (Barclaycard) in settlement of a £1,431 I just don't know what to suggest can anyone advise I know I keep asking questions but I feel I am taking control now and don't feel such a victim.My daughter has just sold a house and has a bit of cash and has offered to help if she…
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Addresses
Hi, sorry to be annoying but ive searched and im not sure of the correct addresses for the following people to claim back my credit card charges.... Lloyds Tsb Credit Card Lloyds Tsb Overdraft Halifax Vanquis Barclaycard Capital One All help is greatly appreciated. I just dont want to waste my time sending my letters to…
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Using someone else's card to pay of a debt
Hi there, I've got a friend who's in, lets just say, a little debt. Anyway, because her bank is heavily overdrawn, she's asked if she can use my card to pay her mobile phone bill with. This might sound like a stupid question, but there's something in my head jolting a memory of a story of a debt co trying to take money…
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Advice on default
Hi, i wonder if anyone can help. 2 months ago i finished paying off a debt of £1500 that i defaulted on last year. I need to know how long i should wait before applying for a loan for a new car. i did apply last week but was declined. I know its on my record for 6 years but i thought after 6-12 months provided i keep my…
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Best place to post for help/advice??
Hi I'm trying to get help/advice/support going into IVA and have posted on both IVA and BR boards but not much forthcoming. Where is the best place to discuss experiences,swap ideas and get advice for IVA? Its taken me months to get to face up to things andits through this site I've finally found the strength to do it, was…
