-
Overdraft turned into a loan?
Hello New to the forum and I need some advice from the good people of this forum please. I have two accounts which are currently overdrawn, Halifax is £500 and HSBC is around £400. I opened a Halifax bank account some time ago and instantly received a £1,000 overdraft limit. I was employed full time back then so it was…
-
Amex threatened me with bankrupcy!
I got a letter from Amex's DCA, that they intend to take legal action, recommending a "statutory demand for bankrupcy". I have previously CCA'd them, and they sent me a computer printout, a pseudo-application form with no prescribed terms on it. I sent them an "Account in dispute letter". Then got this back. Any ideas…
-
Debt letter for previous tenant what do i do?
We have lived in out current house for nearly 5 years now and i am still getting letters for the previous tennant, most have been for small debts but i have had 2 now from a debt collectors claiming they owe £61000 i don't normally open them as i just stick them back in post 'return to sender' but these 2 have come with no…
-
Santandar
Hi Just had a letter from Santandar who have requested copies of my bank statements, wage slips, statements from other companies I owe money to and to fill in their SOA sheet. I sent them a SOA which listed all my details plus all my creditors. I do not want to send them my bank statements, could you please let me know if…
-
Vodafone
Hi, can anyone help me with the following problem? Vodafone are saying I owe them £373 because I agreed to try a phone which I believe I returned within 14 days. They didn't contact me for months after I'd returned the phone and I coudln't find anything to prove when I'd returned the phone. However, I did dispute it (this…
-
Is it time for an official complaint?
Hi Need some wise heads to give advice. First some background: I'm on a DMP with Christians Against Poverty. In August 2008 I was forced to send a "Communicate in Writing Only" letter. This was received by Mackenzie Hall & signed for on 30/08/08. Out of the blue I started receiving texts & computer voice telephone calls…
-
Virgin Media AGGGGGGGGGGG :(
Also posted on the Internet services board but I feel more at home here so thought I'd see what people had to say :) . After being with Virgin for my home broadband services for something in the region of 8 years, I moved home in December. I obviously alerted them to this which wasn't a problem. Once moved in I was given a…
-
Cripes Alive! What shall I do with it?!
Hi All, I'm posting this as I've noone else to talk to til my other half gets home, I've just had £4000 arrive on my doorstep and I don't know what to do with it!! My parents have just completed on their new flat, they downsized and bless them they have split the difference between myself and my 3 brothers and sisters and…
-
£50k of credit card debt and only.............
Years 48 - Days 17 - Hours 1,051,200 - Minutes 63,072,000 - Seconds 3,784,320,000 Left to go until it's all paid off, just thought I would make some of you feel better who have a lot less. Just counting down the days and just working out what I can spend that cash on when it's paid off. A space flight?? A Hoverboard?? A…
-
Payplan DMP - natwest now taking me to court - arggghhh
Just looking for a bit of reassurance & somewhere to vent really. A bit of background: About 2 years ago, my small business (franchise) started to go belly up, like many gone before, I naively hoped I could trade through the bad spell. This meant that ultimately I ended up with circa £45k worth of personal unsecured debt.…
-
Catalogue debt not mine
Hi, was looking for some advice on a catalogue debt. Basically i recently checked my credit report and saw they was an unpaid debt to a catalogue on there. It was the first i've heard of it. I've never had a catalogue in my life so i know for a fact it's nothing to do with me. I haven't recieved any letters yet or demands…
-
worried about first direct
Hi all, First direct have sent some threatening letters. We started out DMP 2 months ago & they have send various default letters etc. When we set up the DMP with payplan they advised us to cut up all cards which we did & shreaded. I have today received a letter saying unless we return all cards to them then they will…
-
Defaulting dissolved Ltd companies reforming link?
Im sure there was a link about forcing bad paying Ltd companies who dissolve for profit to reform and pay up, but i cant find it any clues?
-
Robinson Way
We have recently received a letter, from Provident Personal Credit, which refers to them having been appointed by Robinson Way to collect a debt outstanding from Next. We have not incurred the debt, have never bought anything from Next and don't have any unpaid bills. Coincidentally, the debtor surname is the same as ours…
-
Council Tax Help?
Please help me help my daughter. This is a duplicate post as no-one has read the other and I think it might be in the wrong place? I have reported it as spam to get it removed. K & J lived in London & rented a furnished flat for £950 a month. This was rent, council tax and electricity inclusive. Last February J work dried…
-
HELP . . . . again!
Hi, I have posted before and with advice/support for some lovely people on her I am in the middle of setting up a DMP with CCCS. I've changed bank accounts written to all but one creditor and sent good will payments. I just need a little bit more help! I have a loan with my old bank HSBC. I tried to cancell the payment…
-
Quick Question: Banking small change/coins
Morning All, Just sorting thru my small change and have some HBOS bags that say eg £5 SILVER in 10p or 5p £10 SILVER in 50p or 20p £20 in POUND COIN NO MIXED COIN Does that mean I can mix 10p and 5p coins in a bag to make £5 but am not allowed to mix between categories or is it strictly one type of coin per bag? ta
-
Funky Friday 26th Daily Chat
Yay! I got the chat!
-
DMP Help
Hi I entered into a DMP with the CCCS in Novemeber and have made regular payments since. Most of my creditors have frozen, or severely reduced my interest. Unfortunately, HSBC and LLoyds have not. HSBC represent my largest creditor (about 45% of the debt) and it is broken up between a loan, credit card and debit card. They…
-
Friday 26th 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…
