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RAS can you empty your PMs please!
Yep I wanted to send you a pm but your pm inbox thing seems to be full. Could you empty it please. Many Thanks df
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grrr...wanna start debt plan but can't
Hi all, I had my lightbulb moment last month when I realised that I will have less coming in next month than going out when I go back to work following maternity leave. The childcare wipes out most of my wages and we will only be entitled to 'some' help from tax credits due to our income. After some scary sums and working…
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1 month since my LBM........
The first month has been ok, cleared £584.17 from my debt, which whilst it is not a huge percentage of my debt, it is going in the right direction. I have found so much unbelievably good advice on this site and my only regret is that I didn't find it sooner! I changed my bank account to a bank I didn't have any debt with,…
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Is this a satisfied default?
Hello, I got "O2 EX SINGLE... Communications Satisfactory Settled 18/02/2007" on my credit file. Is this a SATISFIED default? Or just my account was closed and they were happy with it. thanks. really basic quesiton. sorry i am a newbie :beer:
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R Way reply
I CCA'd Robinson Way; well over a month later I received this reply: "Due to the age of the account we are unable to provide copy documentation. Thie may mean the debt is unenforcable through court, however it does not mean that the debt does not exist. We will report the current status of the account to the credit…
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bls cca reply
I sent a CCA request to BLS regarding an old lloyds account I had been paying them for several years. I used a standard template and sent it registered post....then remembered the account was an overdrawn current account so there is no original credit agreement. Anyway, I recieved a reply a few weeks later from Lloyds TSB;…
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Anyone heard of Pre Legal Recovery
Marks and Spencer have sent the account they failed to produce the CCA on over to them. However they have given no address and no-one answers the phone. M&S as ever are being less than helpful.
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Byron & Keeley
My girlfriend has entered into an arrangement with Bryon & Keeley and is currently paying them near £100 for their "services". Is there any way to cancel the contract with Byron & Keeley as one assumes the neogitation and agreement to pay the creditors at certain levels has already been accepted. Many thanks
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DMP, how will affect my credit rating?
I know that it will affec it, but for how long and to what extent? DH is self employed and he has numerous trade accounts that he needs to be able to continue to work, will it affect these? Also, how long does it stay on your file for/ At the moment we rent but do eventually want to buy. Thanks
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Lloyds Planned Overdraft End
Guys, Have a bit of an issue. My "planned overdraft" is coming to an end in a month's time and unfortunately due to circumstances I will not have enough money to pay it off in full. What should I do? I want to ask if they can extend this but am expecting they will say no. However, the letter included said that they would…
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I really need advice!!
Hi This is my first time on this forum and I really need some help and guidance please :( Here is my financial situation: I currently have a mortgage which is in joint names with my dad (helped me to get on the property ladder) and also 20k of debt (loans and cards) which is being dealt with through Baines & Ernst. Anyway…
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just dont know what to do anymore!
Help...I don’t know what to do! I've been living with debt and being bad with money for as long as I can remember. I wonder if I have a psychological problem with money as it seems to be the constant thing that is holding me back in life. I’m 28 years old and I feel as though I’ve tried everything. I’ve started debt…
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MBNA 2.529% APR a month
Hi I am getting so much support just by reading these boards.. Am in a lot of debt but working our way out slowly but surely. Just wanted some advice I have a card with MBNA with extremely high interest - see above !! Have only been paying min payment but now trying to pay off more each month. The card is no longer…
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Light bulb moment..... Newbie!!
I have been a lurker for a while, knowing full well i had an escalating debt. So i decided to sit down and work out exactly what i owed and to whom! The debt at the light bulb moment was £16507.97 LBM was 23-08-09 Since working it all out i have managed to pay off one loan and a store card. Income is not an issue, its the…
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Enforcing a County Court Judgement (CCJ)
Hi I'd be grateful for any tips/advice about how to go about enforcing a CCJ against a a 2nd hand car dealer. I'd like to know if anyone has had any success. The Company who I have a CCJ against have ignored the deadline to pay me know I have to return to the courts. Should I give up or keep going using all the means that…
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Aaargh need to RANT!!
Sorry, I'm a lurker so I know nobody knows me but I'm so upset and frustrated that I've got to write it down somewhere! I found a part time job to apply to which would have helped towards paying the cards off, did my CV (been a SAHM) so that took quite a while. Sent it off by email and had a mail back saying they don't…
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Old Debts
When I was younger I was very stupid with my money, and got loans credit cards, mobile phones etc, and although I started off good, I defaulted on alot of payments. As a result I received a few CCJ's to my knowledge, and until now have made no attempt to pay these. Some of this debts might be from 2000. But as I am now…
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a BIG thankyou
Just got our mail. There was a letter to our address but with no name on it. Inside was a card from "Roxburghe" saying they had important documents for us. Alarm bells rang. I knew I had read on here about debt collectors doing this to make you ring them. I looked them up on this site and yep-sure enough they`re debt…
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What would you do?
I started a diary last night, and having looked into the interest rate on the overdraft, have realised it may be cheaper to get a loan over 2 years at 12%/13% (best I've found is 8% but not sure we'd qualify) to pay off the £3000 overdraft at 19.5%. I really can't decide which is the best option. In theory we can pay off…
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Help i want to turn my life around - my credit rating is ..very very poor
HI Im a 37 year old who has had a very unsettled way of life until recently, i never used to pay bills, always messed bank accounts up and so on. As time is going on in life i want to get back on the road to straightness. My credit rating is ABISMAL, 1 ccj (i think may be another?) loads and loads of missed payments,(44…
