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Barclays and Mint
They have both refused our offers, and have both said that they will not freeze the interest either. We offered them both the same amount (£1 a month). Barclays have come back saying that they want £19 a month, and no interest frozen, along with £12 a month charges if we don't pay. I don't want to ring them as I always get…
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Quick question about payment offer letters
I am sending out my standard letters to my creditors today regarding my offers of payment. (or no payment to be more precise) My question is, I want to send them out by recorded mail so I know they have been received..but with my bank account overdraft, I'm unsure if I should send it to my branch, or if I should find an…
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CCA Request letter recieved help
Hi, I sent a letter to a DCA who have been giving me major grief requesting my CCA for a credit card debt on the 4th may, i recieved a letter yesterday stating that they have requested the CCA information from the original creditor and this may take longer than 12 days, they have stated that no enforcement action will be…
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common sense seeks credit card debt savvy
hi all, its been many moons since i've been on here and i need advice so will appreciate any guidance! (apart from the spend less part - believe me i'm doing that bit!) i need a structure plan to address my credit card/ overdraft debt credit card debts; virgin - £5800, no promotional rate and interest is approx 70-80/month…
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Loan Agreement Question...
I took a loan with Lloyds TSB at the end of 2008 and realised that I had never sent the signed documentation back to Lloyds agreeing to their terms etc... Do I have any flexibility in negotiating a repayment plan with them, does this actually mean anything or will the full terms and conditions still stand?
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Big trouble with bank
Hi all, I have been having a lot of trouble with my bank. I was self employed but my business closed due to the collapse of the housing market but my business account was not in the red and I had no business loan so that isn't my problem. The problem is that due to the loss of my job I have only been able to get a part…
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Has anyone used an O2 prepay VISA card?
I've ordered an O2 prepaid credit card. It's to manage my spare money I budget for my social life and other expenses each month. I'll load it up with a set amount each month then stick within that budget. They look good, and you even get a free text telling you teh balance every time you use it.
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Paying off debt advice gratefully received!
Hi, I'm after some advice. I have a £9.5k credit card debt, owe a friend £1.5k, a £1k overdraft, and a £2.9k personal loan. I have just come into £5k that I want to offset against these. I pay £230 or so per month on the credit card (minimum payment) and £360 on the loan. My bank has told me that they can agree a loan in 3…
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CCJ help
I have got two ccjs at the moment (about to be three) how do I go about sorting them out ? do I need to contact the court ? or the company directly ? I have now taken my head out of the sand and have sorted out a payment plan for my old overdraft and mastercard can I do the same for my ccjs ? and how long before the…
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Message for Never In Doubt - Unenforceability Templates
Hi NID, I just wanted to pick your brains if I may – I am all new to this so please excuse my ignorance. I have been reading your Unenforceability posts etc….and am very interested in them and wondered if you could offer me any guidance on this: - Back in 2004 I entered into a DMP with Payplan. I entered in with two credit…
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Egg - full and final??
Good Morning all, hope you are all well I have slowly been ploughing away trying to settle all of my debts with 10k we were loaned from mum in law. we have so far managed to settle with a except egg. we have loan £4323 and cc £6094. They have refused first two offers: for cc we offered 3100 then 3500 and for loan we…
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how many bank accounts to open?
Hi everyone, In anticipation of starting a DMP with payplan, I applied online to open a Santander current account (with no overdraft). They requested a copy of my passport and a change of address form for a very old Abbey Nat savings account I had. That was 2 weeks ago and I have heard nothing. Also, when I phone their…
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Apex Credit Management - M & S card
I today received a letter from Apex regarding a credit card debt I have with M and S. I am trying to do the right thing and have every intention of paying off the debt, but my concern is that as far as i know my account with M & S is not in arrears or anything, as I last spoke to them about 18 months ago and they assured…
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10k in current-account, 18k of depts
Hi All Expert dept-managment advise please. Sold my car yesterday, 10k in current-account, 18k of depts in 3 places. 1) zopa, 9237 owing (originally 12k for 60mnths) 9.5%apr, paying 249pm original car-loan 2) santandair-CC, 4997 owing, 0%apr til feb2011, paying 130pm moved from HalifaxCC july2010 3) virgin-CC, 3757 owing,…
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Letter from Aegis
I have never heard of this company but then again I have never been contacted from an outside party regarding debt before... The letter is on behalf of MBNA (for my virgin credit card) and saying my overdue balance is £32.30. This is because I have been paying my minimum payments 1 month behind since I was unemployed about…
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Can they find your savings?
I have several old loans and credit cards which i am paying back to debt companies at a low fixed monthly rate with no interest. I was wondering if i set up an isa or regular savings account will they be able to find out if i have the account and how much i have in there? Thanks:)
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Happy Hump Day everyone! - Wed 12th May Daily Chat thread
Well, since everyone else is still asleep... :D After a lot of soul-searching, I'm back on the ADs again. I also had an appointment with the uni counsellor yesterday who suggested I put aside an hour a day to work on my essays and think of it as practising, not trying, as trying implies the possibility of failure. (Yes,…
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Wed 12th 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…
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proving debt
Hi all can anyone tell me cabot finace have been chasing me saying they have bought a debt and have now taken me to court. i have asked in the past for them to prove it but they said they dont have to. Do they still have to prove the debt with the origanal agreament to the court or not Thanks Mark
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Here goes..........
Hiya all! Finally decided to type rather than read! Ok so compared to other stories i have read, i think i am gonna do ok and pretty quick, but just need to let off steam! Im 10k in debt all my own fault and through playing bloody slot machine online. I win the lose....then play win lose win lose. I maxed out all my credit…
