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Statutory Demand ! next steps help please
Hi all I have received by courier today a Statutory demand from 1st Credit (with Connaught Collections as the DCA). Sum is for £4,761.05. It is for a unsecured Visa i had with MBNA a while ago and which i had been making payments for £7.30 monthly until i requested a CCA from them to which they never supplied. I sent the…
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A favour that'd take 30 seconds...
The financial education petiton closes sunday -we're on 18,700 we could really do with more than 20,000. If you're 30 seconds please would you sign it (provided you agree of course) www.financialeducationpetition.com Thanks Martin
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Bank charges caused by bank holiday!
I am so cheesed off with my bank (The co-operative). I opened an account with them in March after contacting CCCS regarding my debts. I have done everything I have been advised to do and kept a check on my account ensuring there was enough money to pay my bills each month, however, due to the Easter Bank holidays my money…
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Please dont think bad of me
But i have a question. I am on a DMP its been going for 6 months now,all is going wellsome are still charging horrendous amounts of interest but thats another story i dont think they have left us nearly enough to live on we have no allowance for birthdays/ christmas's none for entertainment & as i have a 1 year old & im 7…
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Car Insurance
Afternoon all, Quick question, im currently on a DMP with CCCS and have just come home to a car insurance renewal. The price quoted is silly and I know I can get it far cheaper by going to an alternative supplier. My issue though is I wanna pay it monthly by Direct Debit and this usually includes a charge. Is this classed…
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23 years old, with £8,400 of debts!
I have a mortgage on a house I no longer live in, but rent out. I don't quite make the full mortgage back but it's better than being completely out of pocket. I have a credit card (£1,600) and a store card (£1,000) that I'm constantly maxxed out on, I have an overdraft (£1,800) which I'm never out of and a personal loan…
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Help. Being chased for settled debt.
In March I made a F&F payment to Chantry collections for £660. (original debt being £810) I paid by cheque which was taken from my bank account at the end of March. Despite a request for a receipt none was ever provided. I have not heard anything at all from them since. I have today recieved a card through the post saying…
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Transfering O/D to credit card?
Good idea or bad idea? It is about IK with my good friends Lloyds:rotfl:. My options are keep it at the bank (have opened another account to isolate the debt) or transfer it to a card.
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very old debt
I'll start with the history first. In 1999 I had a bank account and loan with HSBC. I then split from my partner, lost my job and was made homeless. I have since rebuilt my life, have a good job, nice home etc. Since that time I have had no contact with HSBC until today I received a letter from Lowell Portfolio telling me…
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Full and Final Advice Again (sorry)
Edited to make it smaller
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debt with alliance and leicester.PLEASE HELP
HELLO, my daughter has an account with alliance and leicester, back in march she had her card stolen. She had no money in the account but someone used the card to book a hotel online and although she had no money they allowed the card to go overdrawn by £100, she informed them of the theft and they took all the details and…
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Question about Letters to send to creditors
Hi Hoping for some advice. I have received my pack from CCCS which has my notification of DMP letter which I have been asked to send to my creditors. However I have no way of copying this form and cant pay to get it copied somewhere until payday next week. I want to get these sent as soon as possible. Anybody know of a…
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Please can someone help me locate a thread
I am trying to locate a thread about debt but I can't find it on the new board. It was a sticky and it had a diagram showing you step-by-step to follow if you didn't think you were liable for a debt and had links to sample letters that you could send to companies that were hassling you. Does anyone know the one I mean? TIA
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Debt management plans - anyway out?
I am currently in a debt management plan, i have never missed a payment and ring once every 4 month to increase my payments to ensure they are getting paid off quicker, however after speaking to them today its going to take 19 month to pay off, however when i have worked out what i owe and what i pay a month, i can…
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Help with CCa req to APEX, refused
hi, I sent my CCA request to APEX Credit Management, as all last correspondences I received from them. Even if quoting s175 of the CCA1974, they answered: I can confirm that I have contacted our client in relation to this matter and they have agaian informed us that this request needs to be made direct to the themselves at…
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What to do??
I have three credit cards which come to £12,500 on which i am only paying the minimum payment on each month. I have just received some cash £4000 and don't know if i should pay one card off, or write to each card and offer a settlement payment. I really don't know what to do - any ideas would be welcome please??
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Some advice and support needed please!
Hi there, I've been in debt since I left university 7 years ago, and want to get it cleared as quickly as possible, I'd really like some advice if you have some! Until a couple of months ago my wage was topped up by working overtime; but the company has put a hold on this indefinately for financial reasons. I'm now…
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MSE News: How the power of internet forums can ease debt worries
This is the discussion thread for the following MSE News Story: "A MoneySaver's having his entire house rebuilt following consumer pressure from this site's web forum – part of a growing new trend of virtual community action ..." Read the full story: How the power of internet forums can ease debt worries
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Debt management plan ?
Hi guys, How are you all doing ? Im having big money problems at the moment and somebody has suggested a debt management plan has anyone used one of these before?
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Changing My Statutory Credit file
I have applied for a mortgage recently. With a (what I thought was) a clean credit file and high score I figured I would sail through. Not so. It seems an o2 default from 2004 it is still showing on my Statutory Credit file even though I have had confirmation from o2 that it was fraud and they would contact the relevant…
