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Link & cabot financial
I have just sent a CCA request to both. Anyone have any ideas if these guys gerenally have thier house in order and turn up with the stuff or are they likely to have mislaid it. Cheers then ta G
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Charging Order...............We won!!!!!!!
As you probably know from my previous ramblings we were in court today regarding a final charging order application made by our biggest creditor. We were nervous about going to court..........very nervous as were all the people we saw coming into court in the same boat as us,anyway I digress. The court clerk was very nice…
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Almost there! Still need help.
Hi everyone, first post this is. I'm 26 and I have about 20K in debt (two loans). I really think I have done quite well over the past year as the owings were all over the place being juggled between 0% credit cards. Anyway, I don't have an overdraft anymore and I am always in the black every month with a nice lump to…
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huge overdraft,Help!
hi i currently have 17000 of debts and am 24. i have 4600 on one credit card,5600 on another,2800 remaining on a loan and most worrying of all i am 4550 overdrawn with my lloyds current account.the limit is agreed but is up for a review in a few months. i have worked out i can clear my debt in 24 months which im determined…
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My Budget, Need Help
Ok, Here is an updated COA, I have been wondering why I have been having issues making payments to Payplan and its obvious really isn't it, I haven't been able to pay tax credit overpayments either, we simply dont have enough money. Sure there is a few obvious things like. Mobiles saving £50 Smoking saving £40 You could…
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Help Needed, debts management
I have been playing the 0% game on the credit card to manage my debts but i have run out of ideas Post office card 5K Barclayard 7K Sainsburys card 4K Halifax one card 9K Total 25K i tried to get a loan on my mortgage to consolidate the debt but i was refused so i dont know what to do next. I earn 35K a year 3 kids and the…
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First Post - So fed up
Hi everyone, As you can see from my title I am new to this site and Im completly fed up with debt. I was going to do a SOA but I dont really have many outgoings so I just thought I would write it down here. Monthly Income: £995.00 (working a 45 hour week) Monthly Outgoings: £185.00 Car £170.00 Fuel £45.00 Food/Shopping…
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credit check
hi all looking to move house, just done credit check on myself, got a score of 894 on experian. payed mortgage / phone / loan/ credit card by direct debit never missed a payment but have 1 credit card not on direct debit and was late paying it on 6 occasions. i now know how stupid this was just did not bother / get time to…
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Bizarre loan statement
Hi all, I've just had a strange statement from Egg. It's the first statement I've had since the loan was taken out in 2004, when I was at a different address. The loan was sold on to a debt collection agency, and has gone through at least 4 of them so far, so I don't see why the OC would suddenly be sending me a statement?…
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Any advice?
I would really appreciate any advice that comes my way. Due to a vicious circle of current account fees being applied to my overdrawn account, I have put forward several suggestions to my bank of 22 years of ways I could get out of/reduce this amount. They have basically said that the direct debits will soon start to be…
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Help needed desperately!
Wasnt sure where to put this so thought I would try this forum since I do want to be debt free so badly I owe £305 from a nursing bursary which I was paid but as I left the course early I was required to pay back what I owed for the month I left. Which stupidly I did not do. After repeated atttempts to get in touch with me…
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Advise and or whipping needed.
SOA before you ask for it! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 recently seperated but live with sister Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Help Recovering Money
Hi I'm pretty sure this isn't the right place to post this - but then again I'm not sure where else to put it. I posted not so long ago that I was 3 weeks away from bankruptcy. Thankfully I have managed to escape that for now but I'm still pretty close to the wire. With that in mind I need every penny I can get hold off…
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Keep thinking one thing then the other...
Hi all, I'm after some advice. I currently owe £12,200 on two credit cards. One of these is an Egg card that they were going to increase the interest rate on. So that one is 'closed' and I'm clearing the balance (slowly) at my old rate. The other is a Lloyds card which I have given to my friend to keep hold of unless I…
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My SOA - Some advice please
Hello all, I appreciate this isn't as bad as most on here but just wanted some advice to see if I could have more at the end of each month. A bit of background for you: My girlfriend moved into a house with her ex and they added some debt onto the mortgage ( hence the debt being more than the house value!). They split up…
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F&F Settlements. What % offers have you made, what have been accepted?
I found a thread last week with the template for asking for F&F settlements that was of interest as we want to do this. We have debts that are 9-12 years old and we have been making small monthly payments on them for all of this time but we are due to get some money which would enable us to clear some of these debts. The…
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Letter offering 'amazing saving' on debt with Credit Solutions. Is it a trick?
We have been making small payments for an old loan, that is fairly huge, but today, to our old address (despite changing the address 12 months ago!!), a letter has arrived offering us a 'substantial saving' on our debt and that the offer is only valid for 21 days. Is that 21 days to call or 21 days to pay? So I was…
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newbie needs advice!
firstly this is my first post though I have been visiting the forum for over a year just to scared to admit there was a real problem. We've been living off credit for years and that is going to dry up iminently although we're not in arrears with anything yet I can't see me keeping the plates spinning for very much longer.…
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Just rung creditor - they haven't got my details! :-)
I'm on a Payplan DMP and Clode Retail Finance are one of my creditors. I've been making reduced payments to them no problem, then in January I got a letter from them saying my debt had been sold to DMA finance who would contact me shortly. Anyway, DMA Finance never did contact me, so I let Payplan continue to pay Clode as…
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I have had enough... Cant take much more.
Hi all.. I will get round to doing SOA, but quick background. OH works 70 odd hours a week self employed. I work part time in evenings. We are about £60k in debt and I have had enough of the stress. A lot of it has been my fault. I used to run a bisiness which went into liquidation last year and we have been living off…
