-
Can the bank take money from another account?
Hi, I'm looking for a little guidance. I know that banks can legally take money from for example a current account towards payment of credit card or loan debts in certain circumstances. If I have a limited company business account set up, can they do the same? The Ltd company is obviously not in my name, but mine is the…
-
I need help
I don't know if this is the correct forum or not, so apologies if it's not. I'm in need of some help and advice please. I have a compulsive spending issue that is starting to wreck my marriage, my wife has had enough. It's not that I have a massive amount of debt, I can easily service my overdraft etc, but when ever I have…
-
Natwest chasing 8 year old debt
Natwest are currently chasing me for an 8 year old debt which comes from a Ltd company that was liquidated in 2002. A cheque was paid in prior to liquidation for £16,450. Natwest claim to never have received it! although we have a letter from Natwest confirming. Any ideas hoe to deal with this????
-
Ruthbridge and car finance agreement from 2004
I purchased a car on finance i believe around 2004. I lost my job and couldnt meet the payments so agreed with the finance company they could take the car back and i wouldnt have to make any more payments. Now i have started to receive letters from this company, after reading information on this site i wrote to them asking…
-
Fairfax was Eversheds advice for friend
Hello. I am trying to help a very worried friend with a debt of approx £17200 which she is being chased for by Fairfax Solicitors (was Eversheds). The original debt consisted of a Barclays Credit Card from 1999 and a Barclays Bank loan from 2004. She was paying both of these via an IVA but stopped paying when she was made…
-
DMP or secured loan ?
We have £28,000 worth of debt some credit cards some a lorry loan, we have paid off our mortgage and have been offered a loan of £30,000 secured on our property, which is payable over 7 years,which is £447 plus insurance or we could start a DMP and pay them £590 for 4 years but our credit rating would be trashed, we do not…
-
sunny tuesday 18th chat thread
good morning Thought i would start chat today :) been a very lazy morning so far, didn't need to get up and clean!!! am going to today though clean the fridges and get ebay stuff listed, after i've had another coffee and a shower scaredy hope you get your essay sorted on time thread title should say sunny sorry don't know…
-
natwest cant find my debt. HELP!
i have been hiding from my debt for too long and now want to get it sorted. i have an old loan with L TSB i am now paying. i had too accounts with natwest on my credit file they say the defaulted in 2007 for just over £2000 owing on both adv gold and staff current(opened when work for them). now i dont have any account…
-
Tues 18th May - 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…
-
Unenforceable credit card debt - are these dates right ?
Say you have an agreement from 2001 and you manage it ok until 2003 when things go a bit pear shaped and your last contact was in January 2004 when you cancelled the direct debit for the minimum repayment. You used the card last after this, in March 2004. There has been no contact since. Do I presume that as far as…
-
Help in a Mess again ( STILL )
apologies i have spoken to CCCS with regard to a DRO but as i have well been unwell recently due to relationships breakdown i have let things slip a bit and feel overwhelmed as i am seem to always be getting different letters from different debt collection companies and cannot keep track of who own which debt so am having…
-
How can I get back in the green
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,020.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 280.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
please help me
i have been so stupid i have fraundulantly been getting credit from catalogues . It all started about 3 years ago and i was paying the payments on time so it wasn,t a problem but now i fallen behind with payments so bad , i was suffering with post natal depression for a long time and i am a single mum to 3 children, i just…
-
My SOA, advice appreciated :)
Hi guys, :j Okay, a little background information... I don't have a lot of debt, but I want to get on top of things before they get out of control. The debt I do have is from my time at Uni. I've recently moved to Leeds with my boyfriend, and we are sharing a house with another couple who are friends of ours. I am starting…
-
Responce From Credit Account Management
Thank you for your recent communication with our office. In responce to your offer to settle the account in a one off full and final payment, unfortunately at present we would be unable to accept less than £100. However if you can send us details of your income and expenditure and explain the reasons behind this low…
-
Help please - Nat West & Irwin Mitchell Solicitors
Hi - can anyone help please? I owe Nat West re an old business account and loan. I don't dispute that I owe them - but I do dispute the amount. On 15th April 2010 I received a letter from Irwin Mitchell Solicitors - a 'letter before court proceedings' giving me 14 days before they would start court proceedings. I replied…
-
2010.. New Diary
Hi everyone.. I have neglected this site and havent logged on since Oct 09! A lot has changed since last year.. I am pregnant with our first baby which is due in September & also living in a 2 bed flat with my OH now. We was saving for a deposit for a mortgage but i got pregnant unexpectedly and needed to find somewhere to…
-
HSBC Debt
Sorry if this is in the wrong place, am new to site so just move it if you need to! When my oldest child was born (she is now almost 8, just to show you how long I have been dealing with this), I got into trouble with my HSBC account. I was overdrawn, and also had outstanding on a loan from them. What they did was…
-
Need advice re: Car payments & settlement
Hi all, I need some advice about the following situation; any and all help is greatly appreciated! As I have only just found out about this I don't have all the details, I've included what I know but if you need specifics please say so and I'll try to find out. My mum & dad have a car on what I assume is HP, this was all…
-
Visa debit cards on basic accounts
Hi Can anyone tell me if any of the visa debit cards for the basic accounts can be used at the pay at the pump petrol stations? I have read a few threads and note that with the Natwest Step and Co-op Cashminder accounts you can't use them. Are there any accounts in which I can use the card to pay at the pump? Thanks GS
