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Work Overpayments whats the legal deal?
Ok my sister in law went of work sick, she went through it with her empoloyer and started to get sick pay. She thought she was getting too much and raised it with her manager her manager said yes we know its all sorted now. This continued for about 3 months with the amount not changing but her manager insisting it was…
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Tenancy hell-help!
hi guys/girls I really need your help regarding this-I had a tenancy from 2001-2006 in a flat with 3 others, from 2002-2003 we incurred firstly a mis payment of £200, a tenant paid £200 into the mangement/landlords account, lost the receipt and they refused to allocate it to our account, plus another tenant on the contract…
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Lloyds Tsb
Hi can someone please look at the information lloyds have sent me after i requested a CCA from them and advise what my next step could be. Thanks http://s691.photobucket.com/albums/vv278/grum61/
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***Fabulous Funky Friday 11th Free For All Daily Chat
Hello everyone :hello: Feeling a bit more energetic today. Have already changed cat tray (bleugh - hate that job), emptied dishwasher, put a load of laudry on and played with/fed Nathan and had brekkie :) Meeting PND group girlies for lunch. Hubbles hoping to get an early mark so a nice family afternoon/evening later.
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Letter to remove a default from credit file?
Hi All, I found out yesterday that Capital One have taken it upon themselves to put a default marker on my credit file for something that was supposedly rectified last month. I was wondering if you could point me in the direction of a suitable letter to send in order to get them to remove the default and update their…
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Friday 11th 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…
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Full and final
Posted a little while ago about a young friend of mine who has some debt. She has been very ill and the health team supporting her were supposed to write to her gym asking to cancel her monthly payments. They forgot!!!! The debt has been passed on, or has it, to a crowd called Debt Resolutions. Good advice here has…
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New here, epic debt and suprisingly calm!
Hello, Im new here and well I guess Ive just had my lighbulb moment! I got a (very friendly) letter from Barclaycard today enquiring about my financial wellbeing so Ive totted up my debt and its horrific! Loan 1 = £8,182 Loan 2 = £3,475 Loan 3 = £15,223 Barclaycard 1 = £11,300 Barclaycard 2 = £0 Barclaycard 3 = £14,500…
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Nearing end of DMP - but debt has been sold on
Hello Thankfully today I received my letter from the CCCS confirming I only have two months left. After a 4 year repayment scheme, I;m thrilled........apart from one detail. Two of the debts were with Halifax - one credit card and an overdraft debt. I was happily paying my DMP to the original two creditors Robinson Way and…
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can you help me with this..
Sorry it hasnt put it all in!! will re do it now.. this will be my new SOA when house is sold. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly…
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Got to stop!
First post, figured here would be a good place to ask for advice. Just trying to find the right time. Trying to keep it from my girlfriend. Basically in more debt than i want to be and my girlfriend thinks that it all got paid off by our wedding fund from my parents. It did pay a large chunk but since then i've been living…
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3G Mobile phone debt
:mad:Im not sure if this in the right section but anyway, My partner got 2 mobile phones from 3G,firstly they checked to see if she would get reception where we live,said yes it would be excellent,(you had to walk 400 yards down the road then she would get about 10 text messages displaying all of the missed calls she had…
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credit default
Hi folks really need some advice, I checked my credit report and there was a default for £390.00 from a company called capquest. The thing is i want to have this default taken of my file do i contact capquest and offer to pay the £390.00 in return for the default being removed, and is it possible to have it removed, or can…
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Sols overpaid inheritance, want money back!
My partner has recently received inheritance from her Fathers estate, the proceeds of the estate were shared out equally between her and her three sisters. The payment was in the form of a (large) cheque and at the time she though it was a large amount but she trusted the solicitors dealing with the estate to carry out…
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Incorrect Info on Credit reports
Hi I'm in the process of trying to get a mortgage and have been rejected due to an unpaid CCJ on my credit report. To cut a long story short, after much investigation it appears that the CCJ was satisfied in June 2007. So, any searches already made are going to sit on my file, which has been incorrect for over two years!!…
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Up to my neck, need help please
Hi there I'm kinda new to this forum (read alot, never posted) I'm in serious debt at the moment and I am unsure about what steps to take to help my situation so any help or advice will be very gratefully accepted :) Ok so here's how it is ; Loan : 21k plus the interest almost 32k - 540 a month only taken out in May first…
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Few questions re DMP/Creditors- please help?
Hello Guys Just a few questions. My DMP is getting started had my welcome pack etc I have had a few replies from creditors i just have a few queries. * Barclays termination notice - states debt being passed over as my suggested repayment amount wont allow the debt to be repayed in an acceptable period of time. 1. Has…
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Deposit on a purchase query
Hello My husband put down a large deposit on a racing cycle around £1200. He's got a receipt for the money paid. He paid this a few months back and the shop is holding the bike until he can pay the balance off. Unfortunately due to personal circumstances now those money are needed for a serious issue. I am considering…
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Question on Credit Reference File
Hello I have received today my statutory credit file (£2.00) from a credit reference agency. Within, there is a "CIFAS Filings" entry. It mentions an unknown individual (for whom we have in the past received letters but which we ignored or forwarded to the previous tenants) who apparently used our postal address to apply…
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IVA - Is this true?
Hi all! My parents are in a lot of debt, and I was looking online about IVA's and it says that you are able to keep your house. Is this true? It would be ideal if it was, both myself (25) and my brother (33) live at home and neither can afford to move out just yet! The mortgage is all up to date (my mum pays that - I'm…
