-
Any body had any luck with these companies when offering full and final settlements?
Hi there Just wondered how likely I am to get my full and final settlement offer accepted by, HSBC loans, AA loans, and Barclaycard? anybody had dealings with these companies and had any luck or have any tips?:huh: Cheers Vicky
-
Sorting out my husbands debts
Hi all. I'm worried about my hubby, he's useless with money and I want to make some big changes before it gets out of control. He had around £7500 debts on credit cards, he then used a personal loan from HSBC to pay these off, and is currently paying £141 per month on this loan. He has managed to fritter away money these…
-
CCJ transferred to High court - Please help
Hi all I was issued with a ccj in 2007, despite sending the forms back to the dca, judgement was entered against me (as they claimed they didn't receive them) for the full amount. 1 month later I had a letter hand delivered through the door from a high court enforcement officer with a writ. They had added nearly £1000 in…
-
marriage split and debt - HELP!
Hi I am having a major predicament. After much deliberation, I have decided to end my marriage as we simply do not love each other any more. We have a young child. We currently live in a property which is mortgaged in both our names. We have a small amount of negative equity and we are also in a DMP with debts of aroung…
-
curious question
Hi i was wondering that when i am debt free how long does it take for the credit rating to go back up to an excellent rate im thinking for when we try for a bigger mortgage as that is the only thing i inted to have debt with after ive done with my current debts ?? i just wondered what we did do we wait 6 months after we…
-
im a newbie & in need of help & advice
Hello, i am new on here and hope to find some help & advice My partner & I are really struggling financially at the minute. He has had to take on two jobs which means hes working 12 hour days or more, not getting to spend time with our baby daughter & still doesnt earn enough to cover our outgoings. Its really getting us…
-
Default Notice Removal
I wonder if anyone can help me: 1. I wrote to a lender concerning proof of default notices recorded on my credit files, as I never recalled receiving them. I also quoted the following in my letter: 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply…
-
Letter to credit card
Hi can anyone help. I would like to send letters to my husband credit card to ask it we can reduce payments due to me being of sick for the last 2 and ahalf months. I have not been getting any money. If there template any were?
-
CCCS will lenders accept proposals
Hi I have filled out the online assesment on the cccs website and gone for a DMP. I have recieved the info back from them and now they await my reply with proof of earnings etc allowing them to contact the lenders on my behalf with the repayment proposals. this is fantastic news but I am so afraid will the lenders agree to…
-
Help moorcroft debt recovery??????h
Hi Have had a letter from Moorcroft Debt Recovery (Pre-Court Division) who state that as agents for "National Westminster Bank Plc" they are working with them to collect payments against uncleared accounts and i owe £2242.01. But i have no idea what this debt is for what should i do...
-
Advice regarding bank cheques
I owe some money to HFC Bank. Basically it isn't much and I have until the 9th of December to pay it off without incurring charges and interest. They only take a cheque payment, Standing order is too much hassle for both parties. I don't have a cheque book. Is there anyway a bank can issue a cheque if I pay for it? Like I…
-
Questions - Death of Relative, Inheritance, Debts
Hi, sorry if this is the wrong forum. I couldn't find a more appropriate one, although maybe I could have looked harder. Anyway I need information about this. A relative dies in your family without a will. They have a substantial amount of money/property/goods. You are their only living relative. By default you are set to…
-
Do not trust mbna!!!!
Hi all.I was recently offered an early settlement figure on two mbna accounts.I was offered a deal to pay a sum in august or if i couldnt manage that i could settle in september at a slightly higher rate(DUE TO PREVIOUS PAYMENTS).I spoke to ccca and they said i needed the settlement to be full and final.I emailed the guy…
-
Struggling debt free wanna be's
Hi Guys Last year we posted in this forum as we had nine thousand pounds worth of debt and we wanted to clear it, but we find ourselves just under a year on with debts of £15,000 and struggling to see the light. We desparately want to pay this off as soon as possible but we're struggling as we make a plan at the start of…
-
Template to forbid debt collectors from calling you
Hello, looked everywhere I could think of but couldn't find it. Does anyone know where I can find the template for a letter to tell debt collectors not to call you?
-
Has anybody got a brick wall I can bang my head against?!?
So the past couple of years I've really been fighting the good fight, and the end of the tunnel is not that far away. All I have left is just over £2000 from my student overdraft, now sitting on a 0% credit card and merrily being chipped away at. As soon as I am debt free I want to get a morgage, so have been spending on…
-
Advice needed would this be a good option
Owe £40.000 debt on credit cards paying out over £1,200 per month and not clearing only pay minimum off. Cannot get secure loan /0% or balance transfer as although credit rating good alreay have too much unsecured debt. Exisitng mortgage lender can offer secured loan to clear debt over 9 years reminaining mortgage term at…
-
paying off old debt
Hello everyone Im looking for a little advice regarding an old debt that i have. I took out an Argos card approx 9 years ago but got into financial problems with it approx 6 month later. I have moved about quite a lot since then so the debt was stagnent for a long time. The debt was passed to a recovery company and they…
-
Self Managed DMP-ers please help me?
Good Day All Despite a staggering throat tightening gut wrenching headache inducing level of debt, today I've woken up with a renewed sense of purpose to basically get something sorted out! Now I sent all our stuff to payplan, even made them aware that in 3 weeks time I wont have a job anymore (long story!). The advice I…
-
Old Debt - your help please?
I've been paying debt collection agency's (started off with 8 agency's now only 3) for the last 10 or more years for debts I ran up on credit cards and loans when I was in my early twenties. This week one collection agency "Rockwell" has said that they can no longer accept my monthly payment of £10 for a debt of £2500 and…
