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Scary letter from Arrow Global LLC / Fredrickson International Ltd
This morning I got a letter from Fredrickson International Limited, a debt collection services company (their website is fredpay.com) asking for about £100 for their client "Arrow Global LLC". I called up and was told by the initial lady that the client was in fact ORANGE but when later transferred the man asked me…
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Anyone coming to the end or finished their DMP?
Just wondered if anyone was coming to their end of their DMP or has finished it? I have another 3 / 4 years I think left and just wondered what happened at the end if you haven’t paid off all the debt owed. I think they may put offers into the creditors but just wanted to see what other peoples experience of this was?
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Dmp about to start
Hi All I am just about to start a DMP (all the advice on here really helped me to make my decision about that so thanks everyone) trying to get all the info ready to send to CCCS and Welcome Finance have asked me to pay £10.00 for a statement any ideas what I can do I obvoisly dont want or can afford to pay £10.00 for a…
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F&F accepted - but AGAIN with the weird wording...
Hiya, me again, I'll keep the background short as it saves reviving an older thread. Been paying Rockwell since 2006 and, with o/s debt of £2,880.52, made a F&F settlement offer of £500. Rockwell came back with a £850 "consideration", asking for our SOA. I sent an SOA and agreed the figure of £850. Rockwell have now come…
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Debt Reduction Questions
Hi All, I've just been reading this thread: 1496721 (sorry cant link!) It was following my questions asking about a company claiming to clear credit card and other loans ... avoid with bargepole etc! Anyway ... I have questions regarding the CCA 1974 - non enforcable debt clause: 1) From what I've read ... if they are…
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Trying to get organised again
So, I have cleared up lots of debt which I am pleased. But now I find my arreas are causing me so much trouble. I split from my partner ( I have no children) and cannt get out off arreas. My electric company want to fit a meter (I have 4 weeks left before this is going to happen. I cannot have a meter installed it will get…
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At a loss as to what to do
I just posted this in my diary, but thought people might have some suggestions on how to make DH realise how much debt we are in. He says he's onboard with paying everything off asap.....
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what to do next
am very new to this and have been wanting to be debt free but can't seem to get there, money really tight we had pancakes for tea last night as we had nothing else in the cupboard, managed to find something for OH for tonight when he comes homes, the rest of us will make do with what i can find needing some reasurence that…
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need help and advice
am very new to this and have been wanting to be debt free but can't seem to get there, money really tight we had pancakes for tea last night as we had nothing else in the cupboard, managed to find something for OH for tonight when he comes homes, the rest of us will make do with what i can find needing some reasurence that…
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Halifax Credit Card 6 Month Challenge
My apologies for the dullness of this thread in advance. I currently owe 4351.16 on my Halifax Credit card and I want to pay it off in 6 months. I am going to use this thread to signpost my progress for motivation. If anyone would like to make similar challenges we could make it into a general challenge thread. Next…
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The 12 week Debt-Life *Achieve something* Plan - WEEK 7
Ok then We have 12 weeks (starting today) to try and achieve all those things that are getting you down, hanging over you or need doing in your life. Whether thats pay off a credit card, apply for 10 new jobs or exercise everyday. I know there are a number of us who feel we are drifting along in life and not getting done…
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Confused re credit searches and rates
Hi, I've had rate increases on a couple of cards recently (both of which I have subsequently 'opted out' of, to avoid). In the information that comes with the rate notification, it is stated that (can't remember exact wording) they may use information from credit reference agencies to assess risk. Does this mean that…
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Don't know what to do
Hi all, have started reading this forum in the last few days as I have some problems. I am currently approximately £35,000 in debt (unsecured) - most of which being amassed while trying to pay off other monthly payments (I've been living off my credit cards for the last year!). I've completed an SOA (below) and can see the…
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Which card to pay off??
Hi all Am trying to get my finances in order and currently have about £300 per month to pay off my credit card balances. Both credit cards are on 0% interest which is confusing me slightly as to which one I should pay more off: Barclaycard - Balance £2300.00 Interest Free Until August 2010 :eek: Virgin - Balance £1000.00…
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DLC Collections - Help / Advice Needed!
Hi everyone! .....Sorry, it's a long one!!!! I have been doing my own DMP now for well over a year after being with the CCCS for a few years. At the beginning of this year my Halifax Loan was sold to Hillisden Securities and DLC are now dealing with it. I was told that they would accept my offer for 6 months and then they…
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Cccs dmp
Hi, I have contacted CCCS regarding my debt situation, I filled in their online debt remedy and their response was that I should take on a CCCS DMP (Debt Management Plan), I have read through this plan and it seems like a solution to my current problems, but I do have some concerns. I was wondering if anyone else has taken…
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Got a cheque but need the cash
Yes I could put it in my account and in 5 days it would help to pay off my overdraft. I have a cheque for a couple of hundred quid and could do with the cash as I'm skint til next Monday. Anyone any sensible ideas as to how or if I could get the cash without giving it to the bank. Cheers
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Debt passed to other dca!help
Hi I took a provident loan out 2 years ago. After coming back from Afghanistan plus 6 months for forgetting about the loan I rang them up and found out the loan had been passed to a dca. I rang them and they said it had been passed to another dca called Network. She said they haven't received anything yet but when they do…
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Daily Chat Monday 14th September - a new week of opportunities
Good Morning - anybody up yet? Thought I'd be brave. Today is signing on day (9-9.55) so I have to be up and organised. Amost like being at work! Today I WILL chain myself to the computer and search every posible website for a job - suggestions welcome. I WILL get through to the bank manager. I WILL get JSA to shift their…
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Monday 14th September - 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…
