-
AktivKapital Mum and Me
I have been reading on the forums about Aktiv Kapital and I'm not sure if I am posting in the right place or not. In June I got a call out of the blue from this company about a debt of my mum's. The gist is that they have taken over the debt. They mentioned Moorcroft who mum has an agreement in place with about another…
-
Wescott trying to collect a debt I do not owe
Hi Im being chased for £3000 by Wescott Debt Agency who say they have been instructed by Lloyds Bank PLc to collect the debt owed to them by me as Guarantor to a company bank account. The company in question was originally set up by me over 10 years ago and I resigned from said company four years ago. This was registered…
-
Husband lying!
I have just found out that my husband has a £5000 lloyds loan from 2006 i did not know about and for last year hasnt paid towards it!!! GREAT! He didnt tell me... a letter from lloyds did. we have been married a year but together 6.5 since i was 17. Since our marriage I feel like i have just accumulated his debts:confused:…
-
Debt trouble
Hi all My sister was crying on my shoulder on Sunday as she is really worried about her debt, I will tell you the little i know about it and if anyone can help i would be really greatful. She has two children and has just given up work to look after the the youngest. Also recently her ex partner who was paying her £50.00…
-
Soooo upset and angry with myself
mHiya, I have been around these boards for quite awhile. I do well for a while then go back to old ways. WHY WHY WHY do i do this when i know how stresfull it and upsetting it is. I have some sort of self destruct button that i just cant resist pressing :eek::eek::eek:?????. I am not in very much debt but my organization…
-
New Info re Lloyds/Hbos
:oI have debts with Hbos and am on a DMP with CCCS. My current account is with Lloyds TSB and has been running fine. Since the LloydsTSB/Hbos merger I know it has always been on the cards that the two organisations would work under one FSA license and that I would need to consider moving my current account. The other week…
-
Tesco Finance CCA
My partner has just received her requested CCA information from Tesco Finance. The documentation seems to be all order but I have a question regarding signatures. Her account was applied for online and as far as she is aware she has never signed anything. On the document is a box with a pen tick and a comment (unsure of…
-
Question for CCCS Please
Can you please tell me, if I apply for a DMP online with you, do I need to speak to anyone from CCCS on the telephone or can it all be done online? Thank you
-
Bank charges template letter 1
Hi Guys, i'm new to posting on the forum so i'm not sure where this message will end up! My question is I have been fined heavily by littlewoods catalouge and wondered can i sent them the template letter for claiming back the bank charges? Can you claim cataloge fines back? :confused: Thanks you!
-
Letter from LC Finance
hi, i received a letter today from LC Finance saying i owe £191, the weird thing is i also received one for my grandma who died nearly 10 years ago, does anybody know why we both received these letters today?
-
What would you do?
I've just been juggling finances around and it looks like I will have an extra £10 a week free that I want to put into the credit union. At the moment we have a loan with them which will be paid off in Feb 2011. I pay £20 per week to the loan and £5 towards savings. Now do I A) put £5 extra into saving and £5 extra to pay…
-
adding debt to mortgage
looking for some advice i have 45k of debt on loans and credit cards i was thinking about adding it to my mortgage which has 17k outstanding whats peoples views on this i was thinking it would be lot easier for me just the one payment to make each month.
-
CCA request/SAR
Ive read alot about these and Im not sure what to do...I have a number of debts that I am getting on top of some I have been paying to the likes of Link Financial and Cabot some are with the original creditor. With those that are with a collections company should I be asking for a CCA before agreeing to pay anything or…
-
An Introduction and Thanks
As someone who has been reading the forums for quite a while now can I please thank you all for advice that you have unknowingly given to my partner and I in helping us address our debt problems. Although it’s been a long time coming our LBM has finally become fully bright and we are addressing our issues one day at a…
-
An Introduction and Thanks
As someone who has been reading the forums for quite a while now can I please thank you all for advice that you have unknowingly given to my partner and I in helping us address our debt problems. Although it’s been a long time coming our LBM has finally become fully bright and we are addressing our issues one day at a…
-
Why has my credit score reduced?
I've been on a debt managment plan with the cccs for 4 years and have 4 months left until I'm out of debt (whoopie!). I've managed to get a partially settled agreement with 2 of my creditors and a full and final with another 2. I have 3 more creditors to pay off and these are managable debts with which I'm confident I will…
-
Mon 7th Sept-daily chat...where are you all??
As no-one else has started,thought I would!!!
-
So scared ... CCJ and we can't pay
Hello all Im so scared at our situation I can't sleep or eat at them monent so any help and advice would be greatly appreciated. We faced up to the fact that we had a problem with our debts just before Christmas, and went down the route of a DMP, all our creditors bar the RBS have agreed to our monthly payments and the…
-
credit expert - credit score
last night approx 2100 i was checking mail and had an alert from credit expert - so i checked it and for some reason my mortgage has been added to my CR. It is just that we have had the mortgage (and paying on time) for nearly 2 years - so why only now? then i thought i would check my credit score - used 2 different cards…
-
Monday 7th 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…
