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lowell portfolio problems
hi all, i new to posting so i will explain whats happened so far: got a letter off lowells demanding £470 from a capital one cc. i sent a cca request letter on the 28th aug, waited till the 16th sept(12+2 days) for a reply. got reply on the 17th from lowells saying they have requested the cca from capital one,and they are…
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Please help me, SOA completed
Hello everyone, this is my first post so please bear with me as its a long one. I am in a right mess and need help!! My financial situation is very bad and I am in a right state. Neither me or my husband are sleeping, we feel sick, dizzy and we are scared we are going to lose our house. I found this website today and I am…
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Any advice please
I am currently just starting a DMP I owe Lloyds tsb 5 x different debts 2 x loans 2 x overdraft and 1 x C/C. Does anyone know if they can lump them all together if they decide to take me to court to recover the debt? Thanks in advance MM x
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Debt Collection & Credit Rating
Did forget to pay a balance of £22 to 1&1 Internet and was reffered to a debt collection agency and paid the £22 in full. Obviously this may be a silly question but will this appear on my credit rating as looking to obtain credit very soon. Cal
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Help bailiff has been
HI can anyone help me please, the bailffs (equita) came out and pushed a notice through my door. i did what people have said on this site and hid our car before hand. i was waiting for the second visit cause then they send it to the council if they cant contact you i came home today and the have pushed a letter throught…
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1st Credit
Hi, I am a new member and would appreciate some advice. Yesterday I received a letter from a company claiming to be 1st CREDIT. They informed me that I had a previous agreement with AVCO TRUST, quoted an account number and informed me that I had an outstanding balance of over £1,300. They then offered to settle for £919 if…
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Am i being ripped off from Welcome Finance
Hi, I need some help please! I got a loan from (Not so) Welcome Finance back in 2007. I originally borrowed £1500 but later topped it up to £2500. I have paid back just over £5000 and apparently still have 16 more monthly payments of £215.97 a month. Can someone please tell me if I am being ripped off? I have cancelled my…
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Redcat (Brands) Limited // Credit Report
Hi I think this is the right area to post? I'm currently trying to get a mortgage with my boyfriend, however there has been a problem with my credit scoring. I have checked my credit reports and there is a listing from Redcat (Brands) Limited. I have checked my records (I don't throw anything away like that) and I can't…
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My OH!
I am currently doing a major overhaul on our finances at the minute and am under enough pressure as it is. My OH doesn't understand that I'm not a money tree and don't have an endless supply. So I am passing half of the responsibility for the finances to him tonight to take the pressure off me and for him to see just what…
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What happens next???
Hello, I have sent a request to a debt recovery agency for a copy of my CCA as they are hassling me etc. What happens if they do not reply by the 12th day? Beetlebug x :o
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Rbs Help please
Hi All, I wrote to Rbs recently requesting a CCA and they sent me the following info back http://s691.photobucket.com/albums/vv278/grum61/ Someone here very kindly gave me a template letter to send off to them and i received a letter this morning, more or less sayin they have supplied me with a true copy, that i agreed to…
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Token Payments/Solution Finance
Hiya I hope I'm posting in the right, and thanks in advance for all of your help! I am currently assisting my mum, who I found out a month ago has approx £30,000 of unsecured debt. We have been throught the whole acceptance/seeking help scenario, but I have ended up being the one who does all the calls etc due to my mum…
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Aktiv Kapital - help needed!
Aktiv kapital sent me a letter 6 months ago demanding payment of a debt that isn't mine but fraud. I discovered the debt relates to a new credit card sent to a previous address I'd left some years back, the card was stolen at this address and used. The previous card I'd paid off in 05 and forgotten about. Aktiv kapital…
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Debt & christian ethics
I'm very aware I may be in for some slagging off here, but I could do with some advice from other Christians. I can't get my head around the biblical principles of debt & saving, and I wondered what others thought? We're heavily in debt. This is something close to my heart, so without being rude I would appreciate serious…
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Lloyds TSB error - what should I do?
I've recently submitted a CCA request to Lloyds TSB (no, I'm not trying to get out of my debt - I'm just trying to use it as a negotiating tool for interest rates). Anyway today I've received back a letter from them saying that they have a high volume of similar requests and will get back to me shortly with the…
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iva vs debt consolidation some help needed
hiya all in march this year me and my hubby got approached by the bank to consolidate are debts as they noticed we were haveing probs with our payments, so instead of paying out 800 a month we are now paying 300 which suits us fine, we have now been aproched by the debt consolidation agency again asking if we would like to…
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Help with payplan
Thank you for your reply, I am very nervous of being in debt, and I am new to this and I thought I had found peace of mind with payplan, but I was quite shocked about how much I had to pay, and the fact that it did not make much of a difference to the whole amount I owe. I was scared of being sent to court and having…
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Reclaiming charges whilst under a payment plan
I’m looking for a bit of advice, I currently have a credit card that I defaulted on it back in 2005 when I was made redundant. I did arrange token payments when I lost my job but they placed default against me anyway. I have now been working for a number of years now which allowed me to increase me payemnts and I have…
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Happens every time
Well, last month I decided enough was enough & it was time to get out of debt. So, I moved everything to 0% cards & got in a tenant so that I could put all rental money towards clearing the debts (and add in as much as I can from my wages to clear it asap). Why though, do unexpected things always come up when I decide to…
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Help with letter from Intrum Justitia
Been told I might want to post on this board for more help with my problem, so here goes. Hi all, don't know where to go and ask about this (newbie looking for help). My son has received a letter from Intrum Justitia asking for money but it's in Norwegian so we have'nt got a clue what it says. My son went to Norway in…
