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Minimum payment
Hi A friend of mine has an account with very.She pays the minimum payment each month. Last month she missed the due date by a few days but has now paid the arrears. This months statement they have added the £12 default charge onto the minimum payment that is due.So her minimum payment this month is about an extra £10. Are…
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HSBC Bank interest
Just to let everyone know. I received a bank charges notification from HSBC. They wanted to charge me bank interest, which confused me somewhat as I never let my current account go overdrawn! I have queried it with them and aparently it is because of a "computer error" Please check your charges and interest so they dont…
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Trust Deed Yay or Nay
Hi All, I started a dmp in October 2008 after fessing up to 38k worth of debt i could no longer afford to pay back. It was Janury 2008 when i lost my job i realised i couldn't afford to pay my money. Anyway i paid the dmp until November 09 ( total paid 3600ish). however i have lost my job again. I cancelled my dmp and now…
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Need a bit guidance I think...
Hi all, First things first I feel extremely stupid and ashamed about all this. I have a meeting with the bank person tomorrow to review my personal banking. I'm with Bank of Scotland and currently have a student current account (technically a graduate account as I stopped being a student last February) but have a £2,600…
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Statute Barred
I have been contacted by Cabot Financial regarding a credit card debt with Sainsbury's bank. My question is this i disputed this debt on the grounds it's statute barred, because it's been over 7 years since i had any contact with anyone over this account. I sent them a letter stating these facts. I have just received a…
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Will payday ring my work?
Hi all As my previous posts, Im currently in the process of changing from B&E to payplan. Im going to include my payday loans in with my new DMP but am petrified they will ring or worse turn up at my work (when I applied I had to put my work number in........one of them rang me at work the other day to ask if I wanted an…
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HELP! Can they do this?
Long story cut short : years ago i was overpaid tax credits, and although i told them at the time, like all things it cam around and bit me in the bum. I have been repaying £150 pm for ages, but it was due to finish next month. I've just looked at my bank statement, and found that they have taken this month and next…
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Holiday and DMP?
does anyone know if it is illegal in some way to have a holiday if you are on a DMP? I have read that it can be seen as fraudulant to get more credit etc if on a DMP. we have been struggling with debt (seriously affecting my health and our relationship) and we have finally gone for help in the form of a dmp. However, with…
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Contacting the credit reference agencies
Hi, I'm trying to remove someone from my credit report as a financial associate as we have had no association since mid-2008. I already have an account with Experian and have filled in their form, but when I've looked at Equifax and Call Credit, they want me to provide a report number. Can I simply call/write to them…
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thanks for the previous advice ...now looking for stories of success
Hi I messaged here in the early hoursof the morning the other day (once again I couldnt sleep worrying about debts etc!!) I had been put in touch with kensington Finance and put on a debt management plan. They had already had a few hundred out of me in initial payments and their set up fees etc. Not all my creditors had…
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Feeling like it'll never get better
I've posted a couple of time and I have been overwhelmed by the support/help/kindness of the people on this site :) I seam to be in the in-between bit where everything seams to be getting worse and I didn't even think that was possible :( I've contacted CCCS to set up a DMP but I can't finalise this as I am returning to…
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Preparing for court advice
Hello to you all. I think the name tag says it all really. Like a lot of people i managed to get into debt and after finally having to face up to it i registered with the CCCS last year. Something which i would recommend to all, i would add. After setting up the plan with them, repayments began. The only company which did…
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Van finance - charge on property I no longer own?
First off I confess that much of this is my fault! But here's the situation. I sold my business to a chap down south and included in the business sale was an agreement that he take over the finance of the van. I contacted the finance company and they said we could just change the bank details over to his. We did this, but…
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Confused by addresses listed on credit report (Experian/CreditExpert)
Hi, all. Would appreciate your help with the state of my credit report which seems mostly ok apart from currently using 87% of my available credit, which I'm aiming to sort out and get rid of, in order from highest interest to lowest, so I have a plan (currently 2 out of 6 debts are paid off), but am concerned my credit…
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Okay, have added up my debt...now need some reassurance!
Okay, I've added it all up - currently £23,150 (give or take) and could really do with some advice or at least reassurance! It breaks down to CC - 8000 CC - 8200 CC - 700 CC - 1500 O/D - 1500 (although only at £1000 at the moment) Loan - 2900 left and a storecard of 350 This is a combination of lots of things but mainly…
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CCA Battle
I requested a CCA from MBNA in December - they say they sent it on the 16th, I haven't received anything - are they just able to claim they sent it & take me to court? I've now had a claim form...
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anyone had an admin order?
i just wondered if any one had an admin order and what they entail.
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Should I pay??
Hi All, My son goes to an after nursery group one day a week which we pay for at the end of each term. However during the bad wether recently, they closed the group on two occasions. My problem is that the after nursery group are insisting that we still have to pay for these two sessions even though it was their decision…
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old credit card debt
I think i may have made a bit of a boo boo an not sure what to do from here. Quite simply early last year I got some letters regarding a credit card debt from capquest. I ignored it for a few months then eventually caved cos the mrs was stressing about it an rang em up an set up a paltry payment plan. after a few months…
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Warrant of execution
Have a problem with Close premium finance part of Bank of Scotland. We have spend a long time arguing over a cancelled insurance policy - they say we owe the rest of the money we were insured for even though we cancelled after three months of paid up installments. To cut a long story short they took us to court and we…
