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CCA - Moorcroft
I have had one of my debts sold to Moorcroft. I have asked Moorcroft to send me a CCA as they send me a nasty letter saying that they may take me to court if I did not pay the debt in full. This was 12 days ago. Do I send another letter to them, if so which one do I send to Moorcroft. At the mo I am still waiting for the…
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Bit of help with MBNA please?
My sister is in some financial trouble, but thanks to this website has contacted CCCS and is slowly sorting herself out. She had an Alliance and Leicester card with MBNA and has been making token payments. They have pestered and harrassed her via home phone, mobile phone and email. A letter went off on the 17th July…
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August Make £10 A Day Challenge ~~All Welcome~~
Hello to all newbies & regulars and welcome to another Make £10 a day challenge :hello: This challenge first started in September 2007 so August will be the 23rd Month this challenge has been going so thanks Batgirl for starting it and JesaRose, MizMir and Sweetpeas who also keep the thread going. :T I know this first post…
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Help please with Repocession...!
Basically my wife wants to leave me. We have mortgage and dreaded secured loan (before found mse, i know i know). She wants to sell and move out, we have started to do bit of decorating but don't really have the time and needs new floor in kitchen etc. We had a valuation from estate agent that is about 6k short by the time…
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In debt and need help
hi there i am approx 25000 in debt 5 credit cards and 1 personal loan and cant get a remorgtage what do you consider to be my options i am considering an iva but worried about the effects and is there another way out of this i am making the min repayments at the minute but everything else is tight very tight even eating…
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Virgin - apr 35.9%?!?!?
A couple of posters have mentioned that Virgin has put the APR upto 35.9% when the 0% deal finishes - this im concerned about as it clearly states 16.9% on the website and i have got only 8 months left on my Virgin so i hope that dont whack that up Anyone heard of this or has their rate just moved to the 16.9%???
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Very new: and need advice
Hi to yo all. Earlier I PM'd Rog2 with an outline of my problem. I can now, however, open this up for public considerstion. Firstly, I am a 70 year old with chronic heart failure. In 1993, a CCJ was taken out against me for the sum of - circa £6000. I admitted the Court's findings. Interestingly, the Judge ordered that I…
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Help Please
Below is my SOA I live with my parents and currently only have a temp job. As my hours are not set i do not know what to write in my income part. I have mainly had 30 hours per week at £6.50 a week if this helps. I am in serious need of help. I have contacted vodafone and i am reducing my tariff each month until i can…
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quidco
with quidco , I wish to pay with a business card registered to a diff adress to my quidco account . Will I still get the cashback ?
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Our SOA - mat leave in October
I’m really not sure where we should head in relation to our debts (£60k). Spoke to an IVA company last night – very helpful and clear. Some of the negatives included the possibility of having to stop OH’s pension conts and reducing our mortgage payments to interest only. Realistically I think we’ll end up repaying near…
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What is the best way to get the interest stopped on Debts whilst on a DMP?
HI Well we've been in our dmp now for almost 5 years, and we're still paying interest on most of the debts, so pretty much not getting anywhere. I've asked payplan to send our a request, but we've had absolutely no luck there. So now we're going to write letters ourselves. Is this the best option? Should we just keep…
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Head out of the sand again
Hi Everyone It's been a long time since I have been on this site. I used to regularly comment under another name. Life has had a number of massive changes resulting in some wonderful things happening to me. Unfortunately the debt has got worse, a lot worse. It's time to do something, it's now or never.I'm looking forward…
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CCJ Against my Address. Advice please!!
Long story short...my brother went overseas last year and, without my knowing (though he told me later), he wrote to various places to whom he had outstanding obligations (eg. mobile phone company) and gave my address as his new mailing address. I wasn't too bothered, as my bro is a well-paid software developer. Whenever…
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My SOA if anyone is feeling nosey and/or helpful!
Deleted sorry.
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Advice wanted please
My daughter is entering into a dmp with a Debt Consolidation company for a period of 6 years at an affordable monthly sum. She has been advised to change banks (where most of her debt is) as the company won't/can't deal with a creditor she is still using. She has tried opening a new bank account with a couple of the high…
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has anyone offered £1 token payments for big debts?
hi all.. i went down the cca request route..with not much luck..studio and additions are battening down the hatches! oli and have gone quiet for now. just wondered if offering token payments is the way to go? maybe through a payment book or giro slip where i get no extra charges . my mom is currently looking into alcholic…
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Statute Barred?
Help and advice please! I stopped paying my Cahoot credit card in 2002 and have not had any correspondence with Cahoot since then. However, Cabot Financial are now claiming the full amount of the debt. I thought that after 6 years had elapsed that the debt would be statute barred. Cabots say that the "default" date for my…
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Well on my way to becoming a DFW Thanks ev1!!!
Huge Thanks I just saved 209.86 on my Car Insurance. A great big thank you to this wonderful site!! I used all the comparison sites recommended and have saved a massive 209.86. I had been with my previous insurer for 4 years and they had increased my premium from 380.00 to 405.00, even though had no claims or convictions…
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Big debt with a massive interest rate.
Hi all, I currently have a credit card with virgin (it was the 0% for 15 month deal) I owe a whopping £7200, the problem is the interest free period has ran out. The APR was at 21.0% but as of January this year it jumped to 35.9%!!! Which means I pay roughly £200 interest a month! I cant get any more credit to pay the debt…
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Daughter being pursued by collection agency
Hi all Daughter failed to pay £60 to DVLA for not letting them know that she scrapped a car. There were mitigating circumstances (she felt, I forget what) which she told them about several months ago and she had no further correspondence. For the last few days we have been phoned up (text to voice mail) umpteen times about…
