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Madness, "May"hem & MoneySaving: Welcome to the NSD Challenge
:jWELCOME TO THE NSD CHALLENGE FOR MAY:j In the past few weeks, our Happy Band has gatecrashed a wedding and had two riotous nights out - all without leaving the comfort of our own imaginations! We are seriously committed to saving money, but nobody said it can't be done with a smile on your face! Have a look at our April…
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Being chased for a debt i've payed
Hi About 8 years ago i was in a fair bit of trouble with money and had several debts. I sorted myself out though about 4 years back and paid them all back. My problem is one of these debts was a credit card debt from capital one and I was recieving letters from a company called Mackenzie Hall in regards to it. I paid them…
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Urgent Help Please SRJ debt recoveries??
Hello, I need some urgent help please, today i received a letter from SRJ debt recoveries that states it is a tracing letter as ive moved address and need to contact them urgently? There is no information of any debt, like amounts etc and as far as im aware i owe nobody anything, are they a scam company, are they real and…
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What would you do?
Hi I have quite a bad debt problem but i keep seem to be sinking deeper and deeper. Now i need i new car to do my job and i dont know how im going to afford it!! I wondering if anyone could give me some friendly advice to see if there is anythin i can do My situation is: Overdrafts 3500 - Interest per month (£52) 2000 -…
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How much disposable income do you have?
I was just wondering, after you've paid all your "fixed" bills (eg mortgage/rent, utilities, transport), how much do you have left a month to spend on food, clothes, going out etc? Particularly interested in younger single people, as I'd like to know how I fare compared to others?
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HFO, SARS and identity request?
Hi, I recently submitted a Subject Access Request to HFO Services, and they have replied stating that I need to send them an official form of identity before they will release the info? Im assuming this is some form of stalling tactic but: Section 7, part 3 of the data protection act states; (3)A data controller is not…
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Financial Disassociation
Hi, Hope this is the right place to post. How can I disassociate myself financially from my ex partner? I've just looked at my credit report on Equifax, and it says I have a financial association with her although we split years ago. TIA
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Getting nowhere fast
OK, so we did the financial statement with assistance from Payplan, sent letters to our unsecured creditors offering a temporary payment of £1, and am now waiting for replies. So far - First Direct have rejected the offer saying that it will go to a Debt Collection Agency who will probably accept the amount (so why not FD…
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Ahh - help before I go mad
In 2008 I received a letter out of the blue from a debt collection company, stating I owed several hundred pounds, which I didn't even have any recollection of. I replied back stating, the debt was Statute Barred and asked for evidence etc, I informed them I was moving, and provided them with my new address and also my…
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Bl**dy FPC debt collections sending letters to my parents!
Oh help. I'm on a DMP with CCCS but only in my 2nd month so things haven't settled down properly yet. Capital One have passed my debt to their own debt collection company FPC. I have written to capital one about my DMP with all the info etc etc but for some reason FPC have sent a letter to my parents address where I lived…
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Who do additions sell their debts to?
I phoned to try and make a settlement but they've sold it on and couldn't tell me who to. As I haven't received letters for ages, who is the best bet?
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Negative equity and emigrating
Hi I have been offered a job in Australia which I intend to take, The problem is I have my mortgage and a secured loan on my house which has taken it into negative equity. I am also on a DMP for other debts. The question is what is the best course of action to take I could rent the house out and cover the rest of the…
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Current CCA Rules (Wesctot)
Can anyone tell me what the current regulations are for regarding a CCA Request please. I sent a CCA request to Westcott in October last year, usuing a standard template letter asking fro the CCA, letter of assignment and statement fo the the alleged account. After several letters and a formal complain to their local…
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Partial Settlement v Full and Final
I have a very tempting "offer" from one of my creditors to settle the balance on my account (if I can find the lump sum to do it) but they have said it will be registered as a PARTIAL settlement. Advice from National Debtline and other reputable charities suggests that I should only agree to a FULL AND FINAL settlement.…
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Letter from 1st Credit
Hello, One of my debts (£7,000) is with HBOS and is being administered by those lovely people at 1st Credit. When I first started to repay this debt I was unemployed but used my savings in order to make substantial monthly payments of £100. After a while I had to reduce the amount to £60 and I continue to make a monthly…
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How would I get a default notice removed from my credit file?
On another post I asked whether it is possible for a default to be placed on my credit file years (e.g. a credt card was taken out in 1996 and defaulted in 2006 despite me having no contact with them since approx. 1999) after having any contact with creditors and apparently it's not, I believe that they should plce a…
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Phillips Recovery Text Messages - Are they genuine?
Hi all, I've been on here quite a while and I've been paying my debts down steadily since 2007. However for the past couple of weeks we have been having SMS messages sent to the house phone from Phillips asking for us to call them back regarding an unpaid debt. We've had no dealings with them before. They don't ask for…
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Help! (Newbie needs some advice)
Hi I owe money (nearly £2000) on a credit card and as I had to give up work due to ill health, so could not afford the reduced repayments as I am now on benefits. When I was with the card company I told them that the £50 a month I was paying them was going to have to be reduced as I was no longer in work and they just said…
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DLA with statement of affairs
Hi all. Thank you all so much with your help with my last thread. I now know where I stand and can start to repay what I owe. I have been asked to do a financial statement which I am guessing is the same as a statement of affairs. My question is do I include DLA that I get? I haven't been able to get hold of my debt…
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asking for a copy credit consumer agreement
Hi, I have read a little about people asking for copys of there credit consumer agreement, could anyone tell me a little more about this, and how it might help if i have a credit card debt? if the debt collection agency fail to produce it what does this mean? i am getting no where with a certain DCA regarding a £2447…