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Natwest and Moorcroft Debt Recovery
OH has had two letters from Moorcroft Debt Recovery one is for £5094 and the other is for £2242. He rang them to find out what the debt was for the £5k one is for a loan which he knew about but stopped paying over 2 years ago so we knew that would land sometime but the other one he has been told is overdraft and loan. He…
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letter from Frederickson Intl ltd-Arrow global
Hello all I have received a letter today which is all a bit odd. About 5 years (a student at the time) ago i had an overdraft with HSBC which just stood stagnant (in debt) for some time. When I got a job with a good salary, i started paying back about £100 a month from my working bank account to HSBC through online…
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Default on Credit File
Can anyone tell me when default gets removed from a credit file? Thanks in advance
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Bank offered to switch me to interest only mortgage - but worried.
Hi guys My OH has been signed off work sick for a couple of months and we will struggle to make our mortgage payments. My mortgage is with HSBC. I have just rang them and they said if I go to a branch they will switch me to interest only, therefore reducing the payments. However, what are the pros and cons? I'm worried…
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Natwest graduate overdraft - Default!
Hi all - apologies if this is the wrong forum, I did look. Finished uni in may 08 and since then have been largely ignoring my 2k overdraft with natwest. It’s 2k approved graduate overdraft, and didn’t go over the limit. At one point I paid in £1300 in one go, then continued to spend that over last year. I knew that around…
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What do I do next please!!!
I received a letter from Additions after I sent 12+2, here http://www.picturetrail.com/sfx/album/view/22502889 What is the next step? Also on that same link is the letter I received from HSBC, saying they want a higher F&F. Should I do this? How much to? My plan for all four major debts is F&F settlement, but I have very…
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Might be losing my job:(
Well as above really. HR are coming, I asked if it's a verbal warning,they said they don't know. I'm not holding my hopes up tbh so thinking about the worst. I have two personal loans,one my dad is the gurantor on,and he's on the sick for 6 week due to operation. I have a cc,2500 os,and also car finance. What shall I do if…
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New DMP with CCCS
Hi, I am fairly new to DMP and I do not know how to post a new thread??? Anyway, I sent off my DMP to CCCS yesterday and I am scared about the outcome. I have 4 creditors (Citicard, MBNA, Halifax, Northern Rock) and just wondering if any of you have anything to put my mind at rest and tell me if they accept a DMP with CCCS…
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Bankruptcy specialists
Could somebody please tell me who are the best best bankruptcy specialists to contact? Are there certain ones to avoid?
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New & Needing Advice
Hi All, I'm new to this site and really glad I've found it. I've stupidly got myself in approximately £20,000 debt. I will never use credit cards etc again as I have no need to, I've simply been over spending. I earn £20,000 a year and live with my parent, but unfortunately I know have to move out, which means I won't be…
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Baliff Letter
Just received a second letter from a baliff comapny re council tax - earlier this year I had one for remaining amount of coucil tax after missing payments - just hadnt set up a direct debit - and ended up paying off the balance in full to the company to cease all contact with them, I was lucky and had some savings so able…
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Freecycle
Hi all just a quick note about freecycle for the few out there that dont use this great idea Certain areas Freecycle is changing its name. We are joining Freegle, a new reuse association based in Great Britain, organised by people living in Great Britain. ilovefreegle. org I will try to answer a few queries you may have…
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ive given in to capital one
Im doing my own DMP all my creditors accepted ,but capital one woundnt so interest was pilling on which was a bit scarey .I filled in one of there income & expenditure and offered them £20 per month the minimum they could accept was £25 if i accepted £25 they would accept the plan for 12 months & freeze interest so i…
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deep breath here goes!!!!!!!!
Hi, 4 years ago I became depressed although i didnt know it at the time all i knew that i wasnt well. People around me especially my husband have been fantastic. We had been able to cope with things financially until late last year, when my husband who is self employed stayed at home with me more and more, so I guess you…
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Hi, long time reader, first time poster.
Finally decided to sort my act out properly. After extreme bugetting (got a new smaller car, cheapest utilities, spending about 20 a week on food, cancelling mobile) all these things are just a drop in the ocean compared to the money I spend maintaining the bills/debts. And just as I manage to end the month with as much as…
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Can the Consumer Credit Act apply to a business loan?
I have requested a credit agreement relating to an account which was a loan account with HSBC taken out in 2003. I am a sole trader (ie I do not have a limited company etc) and have been informed by the Bank that the loan was a business loan. It was taken out in my name and I was not aware that this was classed by the bank…
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Citicard
Just sent off my DMP with CCCS. Two of my creditors are Citicard and Northern Rock and I am just wandering if they are willing to accept a DMP or not?
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My SOA
Here is my SOA, its taken me months to pluck up courage and work out my outgoings and I am in a worse situation that I thought, No money for me to have any fun with I work fulltime and can't even afford to treat myself, mind you I am in this situation from treating myself, I owe my family around 20k as well (dont ask) and…
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Daily Chat Tuesday 15th September - hopefully no chocolate talk today!
Hi - I can't keep opening this! Definitely no choccie talk today or all these 12 week plans will go out the window! :D Flipping cold here. I have to be at church by 9 to cook the old people's lunch. :rotfl: I miss Whatatwit. Hope she's ok - seems to be farming.
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freebie
hiya i won paintballing for 4 people last christmas in a raffle and its not my thing to be honest. My OH is not too fussed either. i was going to sell it on ebay but things like this are going for pittance. then i thought of DFW and some people need a freebie to help them to achieve their goals. So i am offering this to…
