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Strange call today about 9 1/2 year old debt
Hello people. I decided to join your forum because of some very strange news today. A collections company called First Credit have contacted me over an unpaid £1965.80 debt when i was 18 years old in 2000. This was unpaid bank charges from Yorkshire Bank on an unarranged overdraft. I never acknowledged the debt from them.…
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Ebay problems HELP ME
hi i need help with ebay, in about july this year i received a email from 'ebay' and like a idiot i opened the link and signed in, then it asked for my paypal login as a 'random security check' what a idiot i am i had just had my ebay account stolen, so i thought all is not lost, i reported it to ebay and paypal a week…
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Just A Thought! isnt it a bit backward
When credit card company's find out your having trouble meeting the repayment, these increase your interest rate,:confused: making it even worse surely you have to question there sanity at ever wanting to get the money back!!!!! no wonder so many people feel forced into a corner, with so many disasterous outcome's ok…
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Mobile Phone Debt
I am a support worker and one of my older and disabled clients is currently being pursued by a debt collection agency over an amount of money (just over £500) the company says is owed to a well-known mobile phone company. No original account number for the alleged debt has been provided, just the name of the mobile phone…
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Any suggestions welcome
Hello everyone, I've nearly lost my sight staring at everything on this website and especially the forum trying to get as much advice as I can and I've finally done a SOA and I'm hoping you lovely people might be able to help me out. I lost my job in June 2009 and have not been able to find any work since. I've applied for…
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Dazed and Confused by information!
Hi everyone! This is my 1st post so bear with me! I've been lurking on the boards for the past few days as my OH and I decided to tackle the debt after being refused a consolidation loan to lump everything together (i'll do a SOA tonight and post it) due to me having too much credit used already - i laughed at the bank…
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Newbies SOA
I finally did an SOA and feel ashamed - guilty of living a champagne lifestyle on beer money! I think I need to make some serious changes - concentrate on becoming debt free - this was a useful exercise though because it made me face reality :rolleyes: Its going to be a long hard struggle - any help would be really…
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Debt Free At Last
I AM DEBT FREEEEEEEEEEEEEE:beer: Barclaycard...........................................Nil:D OverDraft............................................ Nil:D HFO Services...........................................Nil:D Barclayloan............................................Nil:D Credit Union…
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HELP i need some advise !!!
Hi all i need some advise, i have around 17000 worth of unsecured debt to 4 crediters and have just split with my partner so iam left to sort out alone because there all in my name, with now haveing to rent house and live i cant afford to pay the debts, i have thought about iva but just dont know what to do for the best,…
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help needed with income and expenditure form
Hello all Im in the middle of helping my father sort out a loan debt that he his now struggling to pay with the yorkshire bank. They have asked for an income and expenditure form to be filled in does my dad have to provide my mums income details the reason i ask this is my mum has her own loan payments to make and is just…
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Joint Account QUery / Mergin Overdrafts
Hello there folks, Long time reader, second time poster! My other half and I want to combine our income which in turn helps us combat our debt by killing it off in large chunks rather than little bits here and there. The question I have is that both of us have overdrafts with our respective banks, and we want to make a…
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Anyone had success with F&F offers?
After the advice from the people on this site i should have £500 to offer as F&F settlement against my £2400 card debt with link financial which i have been paying at £1 a month for 2.5 years, has anyone had success with similar offers at all? Thanks,ollie.
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Sar letter template
Hi All, I know there are letter templates on here but had a quick look and cant find. I very quickly need a SAR letter template as MBNA are refusing to accept DMP for £107.00 per month and my debt with them has increased from £8500.00 to £9200.00 since May. I feel we are now close to them defaulting the account and…
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Advice on just about everything???
Hi, I'm hoping someone can help me........ My husband and I have been in debt for the entire time we have known each other. He had debts when I met him and although I tried to help him out with them, to be honest I was pretty naive and didnt really know what I was doing. Anyway, to cut a long story short, we are still in…
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Done it! Debt free today!
I've been in debt since summer 2005 but with payday yesterday I made the final payment on my one time hefty debt! It peaked at just over £21,000 in January 2007 and since then, with a decent job (gained as a result of spending lots of money on training) I've been going flat out at repaying it. Its been hard and I was…
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**Terrific Tuesday Daily chat 29th Sep 2009*
Morning...:hello: This is my attempt at positive thinking today. Got to take DD2 to college - she has a trip to some art thingymijig today, then off to work for team meeting. Have tidied my office so am feeling slightly calmer than I did yesterday:o Am also supposed to do a 4 mile run...the thought of doing that on a…
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Tues 29th Sept - 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…
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Not slept yet
I have restarted college at 21 to do my A Levels in order to move onto a Sports Journalism degree. However I am about 7k in debt. If I stay at college I cannot afford to pay off the debt, if I take the bankruptcy option then I wouldn't be able to afford Uni without loans etc. If I quit then I am left with no qualifications…
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N244 apllication to set aside a CCJ
Hi Has anyone been involved with a 'set aside' N244 application? I have a CCJ and the person has applied to have it set aside even though the 14 dat dealine has gone. A hearing date will be set soon. How d'you think the judge will look at this? Do judges look favourably at N244 applications?Thanks
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Help Please - What are my options
Hi I have a a debt that i am paying of via a CCJ which has come to its last payment next month. I have been through the court paperwork and i would like someones opinion on what to do next. This is what it says it says on the "Particulars of Claim" "The claimant claims for sums due under a/various credit agreement(s)…
