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Advice needed..
Sorry if it's a bit rambling.. I'm currently in communication with Moorcroft as my partner and I have a joint debt and I have single debt with Natwest. We have been passed from DCA to DCA (think this is the 3rd one to contact us) so I have requested the CCA for the joint debt (the letter was addressed to my partner) and…
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Wescot Credit Services (again!)
I received a letter at the weekend from Wescot Credit Services claiming to act on behalf of BT for a debt of £185. I pay Sky for line rental, broadband and television and am not aware of any agreement with BT. I phoned Wescot immediately and got through to someone who identified himself as Mr Wescot of Wescot Credit…
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Anyone know the best place to write or ring Capital one
We are on a dmp and Cap 1 are the only ones still charging interest. Their interest is using up over half of our payment. I am going round in circles with letters and phone calls and the message doesn't seem to get to the right department as they have just sent the same letter to CCCS as they did a month ago although we…
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Settlement figures pt2!!
What is the lowest percentage settlement figure anyone's heard of/can i expect??
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Request for Income Expediture illustration
Hi all, Just a quickie. My creditor is asking for an Income/Expenditure layout, & also details of my current employer including payroll number, & they have given me 14 days to produce it. My question is, am i LEGALLY obliged by law to give them this information. I read somewhere that I am not, but that was a while ago & i…
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Charging orders?
Got my Payplan phone 'appointment' on Wed and hope to start a DMP on April 1st. 45k debt and can afford £700 a month, have a joint mortgage with partner (she has nothing to do with my DMP) and we have about £40k equity in the house. The thing I am really worried about are these charging orders :eek: , can a creditor take…
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Disputed Account - Advice Required
Hi All A quick question. I have an account ith GE Money which was for a Club La Costa Loan (Iknow dont say it, silly us wish we had read this site first). We are in the process of disputing the account with the assistance of the Finanicial Ombudsman. The account is part of our DMP and is now with Link financial. Should we…
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SOA - anywhere i can free up cash
Income Monthly Income (After Tax) - £764 Expenditure Course Finance - 136 p/m Catalogues - £55 p/m Car - £100 p/m (3 month left) Petrol - £50 p/m Mobile - £35 p/m Entertainment/Food - £50 p/m Car Insurance - £128 p/m Gym - £29 p/m Friend - £50 p/m (4 months) Laptop - £28 p/m Loan - £100 p/m Total outgoings = £740 p/m Help!!
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Cabot Financial, i could scream
I am 2 months away from paying off a £1152 debt to Barclaycard through Cabot. I have a statement showing i only owe £140 from December and today they have added £447.00 interest from the original amount on to the balance. Can they do this at such a late stage? HELP!!!!!!
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One more step...
my DMP is all set up again.. start it in March. Also went into the bank and asked them to decrease my OD by £10 a month - I know it's not a lot, but I don't have a lot of money in rehab. Just wanted to share :)
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can i block loans being taken out on my address
my sisters 20 yr old daughter is getting seriously into debt and seems to think the whole thing is a joke. the only prob is these loans and cards are at my sisters address. is there a way to block her taking these loans out under the address as she is now worried about debt collecters and baliffs thanks
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Just signed up - all help and advice welcome
I understand I just paste thsi in here - apologies for my ignorance. All Help gladly accepted. Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,700.00 Income from Self Employment (before tax). . . . . . . . . . . . . . .…
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help beyond help?
help needed, i work full time ,earn a reasonable monthly wage ,but can't make money last beyond two weeks.I have managed to accumalate £19000 in debts mostly to the bank (3500 o/d and 10500 in an old loan still 3 years to go)With interest always gaining they are offering to refinance over 4 years the other debts are…
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Default over 6 years old
I have a default on my credit file that although at the top of credit report is says defaults N/A down on my list of credit agreements it shows my defaulted agreement, I defaulted on Decmeber 2003 and the account was settled in Jan 2004, so why is it still on my credit file and who do I need to contact to get it removed?
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Help with Robinson Way
I paid a debt back a year ago for a Capital one. Originally i was paying a company called Apex who had purchased the debt and for 17 months i paid them every month. For the last 4 payments however i had to pay Robinson Way. I never received a default letter from Capital one and as such, when i was paying Apex they never…
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Overdraft
Hi, I've gone into my overdraft due to this recession. I was wondering whether it is possible not to pay off the overdraft and just pay the interest each month. Will this affect my credit rating? I am quite concerned as I am trying to save for a deposit and need to know how long I can stay in the red for. I've been…
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Quick DCA question
A DCA has just told me they can charge 11% on my debt as this is less than the rate when I signed my original credit agreement. What laws govern their ability to charge interest and can I object to it?
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Help with NDR debt
Hi guys pretty new here, but after god knows how long not being able to pay my debts im not not paying stupid amounts of CSA and am able to start paying them of, so i will start with the first...ive a provident lone which i pay at least £50 a month of, i only earn £488 a month and have 2 kids which i pay £30 into both…
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Help npower
HIYA, Another dilema! got into debt last year with npower. a massive bill came in for 3 months gas elec (about £1050). i could afford to pay it and they wanted to put my monthly d/d up to £220 a month to cover arrears and future usuage! couldnt afford it so changed providers. both gas and elec bills went to debt collectors…
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Fuming
:wave: I just had to come on and vent to someone, i have been talking to a friend of mine who had an appointment in his home regarding his debt. They basically told him they would be able to get his debts written off, something i think we all hear over the tele now which is so wrong. Anyway, this chap visited his home and…
