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Frederickson International
Just got a letter from this company saying that they have confirmed my current change of address, requesting that I call them on a number. Stupidly, I did phone them. It turns out I owe Pipex £34! From 5 years ago! I didn't even have an account with them - I was with a company called freedom2surf which may have been taken…
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DFW Bristol Meet - 18th July
A few of us are getting together in Bristol on 18th July (Sunday), and the more the merrier! So if you want to join us post on here and I'll add your name to the list. Yesses: Ames Katsu Pap Clairewop Wannabefree AshamedofBristol Gizmo111 Snowqueen555 Skintstudentnurse Littlemisschocolate Butti Maybe's: Elfen…
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Citi Credit Card Astronomical Interest Charges
I owe Citi CC £12,000 and I my financial circumstances have changed which means I have gone to CCCS and arranged a DMP. I have written to CITI and explained the situation and asked for interest and charges to be frozen I also sent a £1.00 token for Mays payment which they have cashed my £1 token but charged me £386…
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1st credit - lowest full and final %
Hi All, Whats the lowest full and final % anyone has had with first credit, when the CCA is unenforceable (they say they dont have it at the moment, its 10k of mbna debt originally Is 10% too cheeky Cheers
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Right.. here goes!
Hello everyone. I have been a follower through these forums for a while now, picking up tips and (nearly) selling my soul (it wasn't worth much!) I really feel like I am in dire straits (tho I haven't got a mullet) and have now summoned up the guts to ask for help. Here's my SOA: Statement of Affairs and Personal Balance…
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Celebrating on your DFD?
Are you planning on marking your DFD in some way - if so, how? :j
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Debt free I wanna be
Hi, Im looking for some advice on which way to approach my finances or in particular debts, savings etc in the correct order. I have a child on the way and currently have £4000 debts unsecured. I earn around £19500 net a year, however whereas this has always been my own income paying half of the mortgage and bills, I now…
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mac-hall/cabot admit the debt is statute barred
after 3 months of nonsense with these idiots ive got a letter today saying that they accept thedebt is statute barred and it wont be followed up 1. is there anything else they can do? 2. they state that they do not feel they have acted inappropriately constant calls to begin calls and letters to my old address, my parents…
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Helping OH - debt from bennets passed to Lowell financial
Hi guys Hoping you can offer some advice, my oh has Pneumonia at the moment so I am trying to help and get some bits done for him whilst he cant. Okay so we had a letter from Lowell a month ago, debt bought from Bennets, for purchase of a Video recorder 6-7 years ago OH thinks when his bank account was closed this may have…
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Default notice on my CRA report. Debt cleared 18 months ago. What to do?
I tried to take out a credit card recently and got declined. Nothing overly major sprang to mind, I simply thought it was a sign of the current financial market. However, I decided to dig a little deeper and took out a free Credit Expert report, and all my credir listing is green, and listed as Satisficory, except for one…
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CCA From Littlewoods- bit confused
Hi all, I've been a bit sporadic with my posts on here- I came to you all for some advice around a year ago when I decided that I FINALLY needed to sort my debts out once and for all. You were all so helpful and I've been reading through the posts on here regularly recently as I have been trying to get copies of my CCAs…
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Help & Advice Required - Dont Know Where To Start
Hi All, I require some help and avice but do not know where to start. I I have made quite a few mistake financially (£3500) following the passing of my dad and brother within a few months of each in 2005. This resulted me in getting into Debt and I'm embarrased to say had a gambling addiction. I have been battling…
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Equita Help Please.
I hope i am possting this in the right place and sorry its a bit long. It all began back in 2005 I rented a property for 6 months when i split from my partner, It was a one bed above a shop and cost £620 PCM inclusive of electric and council tax. When letters for council tax arrived in my name i forwarded them to my…
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Debt passed on to NDR
Hi all, having a horrible day! Got a letter from littlewoods to say my full and final settlement was too low ( i offered them £115 on £165) & today i got a letter from NDR saying can i call them. I phoned them & they said littlewoods had now sold the debt to them & that i was with payplan the account is on hold & they want…
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Blair Oliver Scott
I have 5 credit card debts and have CCA'd them. They are at various stages ie terms and conditions supplied, no reply, reminder letters sent etc which I am dealing with with the help of various templates on MSE. The only immediate pressing problem is my HBOS CC debt. I have received a copy of my CCA and it looks…
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35 today...and far more sensible?!
Feels like I was 18 not so long ago...carefree (rich!!) and DF then....but at 35 even though I have debts, I'm a passionate DFW, far more sensible (I think and hope) about my life, finances, spending, and all that. Better late than never hey?! Az
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Advice on charges
No longer applicable
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Well WELL Stuck!
Hiya. Any advice would be most welcome! Through payday loans/credit cards I now owe just under £5000 but no way can keep up with all of the monthly repayments... I went to the CAB and they suggested a debt relief order as I only earn £1000 a month, and my 'essentail' living costs come to near £1000 (my SOA is on my other…
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#####Wonderful Weekend chat 15/15 May
Morning all. Today will be my last appearance on chat for a while so I thought I might as well start it;) I'm not going permanently or because I've been upset. I'm taking a break because I find I am neglecting other important areas to hit F5 on a regular basis to see if anyone has posted anything interesting. I will be…
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Sat & Sun 15th & 16th 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…
