-
Scare Tactics
Barclays , they are lovelys arent they , have been paying token amounts to them for our barclaycard , which we have now STOPPED due to a non conforming CCA rsponse , anyway , they dont know we have stopped yet because they sent this recently (Start of Feb) so its the end of Feb when they are going to realise , so bearing…
-
It's all got a bit out of hand
...and i only have myself to blame. All i keep doing is putting things off, thinking it won't happen to me. I KNEW Barclaycard had the right to offset from my Barclays account but i kept in touch with them and have made small payments to try and avoid it. I knew i should have set up another account elsewhere but i just…
-
cannot pay ccj this month
hi, i have a ccj on my car loan with black horse, i cannot afford the full amount this month, before i ring them i wondered if anyone else has had a similar situation and can you pay a reduced amount on a ccj if agreed with the finance company or ... once a ccj is issued you HAVE to pay that amount full stop.
-
Debt Collectors chasing for old debt
I have been contacted by a debt collection agency. They claim that I owed £15 from a mobile phone contract in November 2004. I have little memory of this, but I don't allow debts to acrue, so I highly doubt it. They are now asking for £200. I have asked for documentation regarding the debt, but they say they don't have…
-
Credit Report Question
Wonder if anyone can help me I have just got an up to date credit report and an old debt (5 years) is no longer showing on it, but i had a letter from a company chasing the debt today. I'm confused with what to do now, i asked the company for a copy CCA which have they have sent today but as they no longer showing the debt…
-
They are ruining my credit file, what can I do!!
I am having a nightmare, up until before Christmas I had a good credit file, I am a director of 5 different companies and have not defaulted on any of my credit agreements. I applied for an RBS business bank account last week for one of my companies. A few days later I call to find out progress on the account and the girl…
-
question about credit report
I accessed my credit report yesterday. Currently I am using 62% of my available credit, I had planned to cancel one of my empty CC's (in the belief that having less available credit is good?) BUT, I read on the credit report that lenders look at how much % of your available credit you are using, and can view it negatively…
-
Have had a CCJ set aside...now what?
Hi All Greetings from a very poorly Tang :( Anyhoo...I recently managed to have a CCJ set aside and cancelled due to RBS trying to pull a fast one and serving the judgement to an address they knew I wasn't residing at :mad: However, I have a feeling it will still be showing on my credit file :( . I have a copy of the…
-
Bryan Cartewr & Co ''Final Notice'' - Need your advice please
I have today just received a final notice from bryan carter & co solicitors. The letter states: ''Court proceedings WILL be issued on 22nd of feb 2010 IF payment is not received at our office by that date'' The debt is approx £1100 from a capital one credit card which I ran up 3 years ago. Now being completely honest (and…
-
full and finals sent...
Hello, more of a lurker than a poster, but I know I find other peoples stories and experiences useful, so I thought I'd throw mine onto the forum. Very brief background - got into debt starting a business, around £35k of debt to start, credit cards and personal loan, no assets. Been on a CCCS plan for a couple of years,…
-
Help had a man at the door what do i do now
Had a guy come to the door last night and he handed me an envelope, in the envelope was a letter from Hamptons Legal (acting for Lowell Portfolio Ltd, Debt is with Capital One) The letter is a statutory demand and stating that they will be presenting a bankruptcy petition. When i have looked at it states what court etc the…
-
Thursday 18th Feb - 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…
-
Daily Chat Thrifty Foggy Thursday 18th February
Good morning! Apologies to Scaredy for last nite - computer crashed and I was too lazy to get out of bed and fetch the charger. Battery was fully charged too - confused smilie. Need to go to the bank today and Morrison's. We are forecast snow. :eek: DD2 's baby due today - fingers crossed.
-
credit reference agency help..what does this mean on my report
hi, i used to have a natwest bank account but it was closed down about a year ago,,,i just checked my credit report and i found this on it,,,,does it mean i owe £127 or that i have £127 in credit....thanks. Company Name / Insight Account NumberAccount TypeTermsStart BalanceCurrent Balance Natwest Bank Current Accounts (I)…
-
debt arrangement scheme
does anyone know whether you can do a composition offer in a debt arrangement scheme . this is ultimately similar to a full and final. from what ive read online in a debt arrangement scheme guide for money advisors this does seem an option. iknow a few of the debts i have dont have valid ccas. i just dont have the money…
-
would new broadband contract affect my debt situation adversley
I am thinking about changing my broadband package, same provider, better deal. It would mean me signing a new contract tying in for 18 months.So 2 questions 1) Would the provider (orange) agree it as I am existing customer pay by direct debit anyway, or would it be turned down due to my credit problems? 2)I have…
-
PROMBLEM: best way to reallocate debt to get rid of quicker
ok, got a problem I have a credit card of £4,300. This is the only debt I have apart from ourmortgage. I've had this debt for a while, bounced itaround zero % cards and been a bit lazy in trying to reduce it. My credit is ok and i don't usually have any trouble getting credit cards, loans etc. My wife had a similar amount,…
-
Credit file questions
Hi all, I've been working on my finances for a year or so and decided to see how my credit records were reflecting this. So far I've received the Equifax and Callcredit files but have a couple of questions about the entries found within the Callcredit if anyone can offer advice? Intrum Justica: This is logged as a default…
-
Cheated!
A few years ago, unknown to me, my husband loaned £40,000 to a 'friend' with borrowed money (friend supposed to invest it in a business). He ran off with the money. Husband confessed to me what he'd done. :( We took 'friend' to court in Germany and won the case; he then appealed, but we won the case again. He then went…
-
DMP and dealing with Creditors
Hi, Not my first post regarding a DMP, but I just wanted to see what other people's experiences have been. We have a possibility of getting a windfall, and we're wondering how best to use it. We have about 50k in our DMP, and we're thinking we could offer some full and finals on some of the smaller creditors. The CCCS, who…
