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Capquest making me ill!! What does a valid cca look like and other questions?
:confused: Hi Guys really hope you can help me im at my wits end and feel ill everytime i look at Letters recieved from Capquest. I have been on other forums had fantastic advice but time running out so maybe you could help or advise me? Brief story so far............. The debt was for a Halifax credit card which obviously…
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Help please
Assistance would be greatly appreciated, I've run out of money this month and my minimum payment is due on my Vanquis by 5 September! I want to be debt free, but have no idea even where to start. Please help. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 4…
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Egg.......
Have had the ominous email in which they are pleased to inform me that they will be putting up APR to 26.9% :mad::eek::mad: from 19.9%. Have emailed them but wanted to know what you all thought out there in the world of DFW. I have just BT'd for my second 0% period with them so I'm assuming it won't affect this, and will…
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Letting out your own home as an occasional holiday let
Does anyone do this and know what the rules/regs/requirements are? We are interested in letting our home during local motorsport events but whilst looking at similar properties nearby we've realised that this could be a good way to get the debts down quicker for next summer as we could move in with family. Just not sure…
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Cleaning up my Credit File...
Hello, I was hoping someone may be able to offer me some advice in regards to cleaning up my credit file as I have recently obtained a copy from Equifax and Callcredit and have a EXTREMELY low credit score. Equifax score me at 519 and Callcredit at 590. I have never had a default/CCJ/Bankruptcy but looking throught the…
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Dmp vs das
On speaking to CCCS today regarding a few concerns I had today, they lovey girl suggested trying for a DAS. I was just wondering if anybody is on a DAS could give me there opinion on this. Im on a DMP the now. Cheers
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Quick Question
On the order of the debts, when paying off I remember that Martin says pay the highest APR off first. Well, as I am planning out the budget and list of debts for the SOA, I have a loan with Barclays that's 24.9% APR which I have had over a year now and owe around £900 on. I only borrowed about £1300 and I think the…
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Troubled by debts
Hi guys to cut a long story short, I stupidly took out a loan last January. There was no problems with repayments but then things happened last year, things I won't really go into but left me in a situation where I left work in February. The long absence from work has meant that getting a job is proving very difficult and…
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New and needing help
Hello all, I am in a situation. I am currently in the middle of setting up my DMP and I am struggling to add one debt with a dreaded payday loan company called Wonga. I need to add this debt, but they dont issue any loan numbers or ref numbers so I cant add it without one. All I wanted to know was how would i add this…
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Account where can't go overdrawn
Help, I'm trying to get out of my overdrafts, yes plural, and I'm at my wit's end with bank charges! I saw a recent advert for an o2 cash management card which I thought would be a great help. The idea is it's a pre-paid account, a visa card which can be used online and at cash machines, but you can't overspend and accrue…
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Old Debt
Hello Not sure if posting in correct place apologies if so. I am desperatly seeking advice. several years ago I run up debts with a few companies. Being young and naive I moved around and avoided them when I could. In the few years I had paid a few back. Now a much older wiser person I have sorted myself out and my new…
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Harassment By Halifax.
My wife's finances are in the hands of CCCS and she is paying off all of her creditors through them. Despite this, Halifax are 'phoning her several times a day, weekdays, weekends, bank holidays, mornings, afternoons and evenings. They are also calling her on her work telephone number which is strongly disapproved of by…
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commercial mortgage
I'm in the first stages of an interview with CCCS. My problem is that I own a freehold shop and flat above. I run the shop as a business but live in the flat above. My mortgage is a commercial mortgage for the whole property. How do I split the £100,000 debt into commercial and private. I'm a sole trader?
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Dla
Can anyone out there advise, I have 12.500 of debt 6.500 of which I am repay without hitch, 7000 trying to sort something out. Today I have been in contact with debt free direct, given her all details of income and outcome, she tells me my daughter high rate DLA is classed as family income, DLA say it isnt, its in my…
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Desperatly Need Some help
I am really in a hole with debt, I have had to take on a different role at work resulting in a significant drop in wages and my partner is on long term sick at the moment. As a result we are really behind with the bills. I have done an SOA which is below Statement of Affairs and Personal Balance Sheet Household Information…
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Childcare
Hi, Can anyone help ? I want to send my 2 year old to nursery but until he is 3 costs are high and we are on a tight budget , he gets free childcare from 1st jan 10 can we claim anything ? my wage is 25k and my wife is starting a 4hr per wk job at min wage Thanks
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Catalogue Problems
OK then, since February of this year I've had problems with my catalogue (Simply Be). Before this date everything was fine, never had any problems before. I order stuff and if its no good I send it back via the post office and get a receipt to show its been posted. Lately I've been sending parcels back and although some…
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Quick question RE:Token payments
Hi, i owe £900 to HSBC, ** solicitors are dealing with it..on the 26th August i offered a full and final settlement of £225. They have rejected this and told me they will knock 20% off the total and thats the least they will take. I have just spoken to them now and explained my circumstances are bad now and going to get…
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Complaining to car park?
Hey guys, sorry if this is the wrong place to post but couldn't find anywhere particularly suitable! I just wanted a bit of advice on a small predicament... I have recently moved into a new block of flats which has a multi storey car park attached, where I have a parking space allocated. Last week, while moving in, I had…
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CCA - what should I look for?
Hi Well, I've now received two of my CCA requests back. What should I be looking for to know if they are enforceable? Afraid I don't have a scanner but I could type what is on the info they have sent. I suspect that they have sent copies of the application form is that a CCA? Sorry if I'm being a bit dim. L
