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Capital ONE are stalking me - Please Help!!!
Hi HELP!!! Advice please! I have just got off the phone from Capital one. They ring 10 times per day if I do not answer the phone. When I do answer the phone I have the same conversation with someone that I had the day before.:mad: I have told them that I have done an on-line assessment with the CCCS who have advised me to…
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newbie
Hi all i have been a member but not posted before.As my signature states those are my debts. Theres me ,my oh and 3 kids .Oh works full time i work everyday too in 2 different part time jobs. Just never seem to be able to make ends meat. My trouble started with credit card few years ago paid the balance off in full once…
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Capquest help needed
Hi, I received a letter at the weekend from Capquest. I know it is probably a scare tactic but I really need some advice on how to proceed. They are threatening to send me a Statutory Demand which could result in Bankruptcy. Here is the letter: In the matter of: Capquest Investments Ltd V Me Debt Purchased From: National…
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What a man!!
Hi everyone Well after years of keeping my debt problems from my husband, i finally told him and he has been fantastic, I'm not expecting him to pay them off (even if he could) but I now have the strength to tackle this and stop being the scared ostrich that i have been for years.....Oh why didn't i do this sooner. I have…
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on a dmp but might be going to prison
Im on a dmp with cccs i have 2 unsecured loans and orange phone bill i pay off with them. I might be going to prison for a stupid thing i did.What will happen to my debts will they be frozen till i get out then start paying again or what i have no clue. worse come to worse i could possibly get my mum to pay it while im not…
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AMAZONian Efforts!
Hi, on Sunday I wrote that I had brought down 3 boxes of books to go onto Amazon for flogging. Looking at my account, last time I sold anything was July 08 - was it really that long ago? Anyway the thread is this - `HOW MUCH MONEY HAVE YOU ALL MADE OFF THE INTERNET, BY SELLING THE SMALL STUFF?` Not on about bingo, comps or…
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Being Charged More Than Paying Each Month
Have passed this on this board as there has been no answers or advice since the initial question by another MSE member since Feb 2010 on the 'Credit Card' board. I am currently in a £10 per month repayment agreement with 1st Credit however Vanquis Credit Card are charging me £22.69 per month for the repayment option plan l…
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DLC/hillsden securities/mercantile credit bureau???
hello, i have a debt of £166 with DLC, i requested a CCA from them in october 2009, I received nothing back, I then received a letter from Hillsden securities to say, we are following up a request for a copy of original documentation with our client black horse, etc etc, I will update you in 21 days, 6 days later I…
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Letter from buchannen clark and wells sent to my house but addressed to someone else.
Hi guys, as the title suggests really, i dont know what to do regarding these letters any advice? i cant open them as they are not for more, or anyone i know for that matter. The last thing i want is for debt collectors to come kncoking at my door. Thanks in advance guys- there stack of info on here its been enlightening…
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dmp
Hi guys Just entered a dmp with the CCCS. Like a breath of fresh air and a mighty weight as been lifted off my shoulders, that was until Santander contacted me I have a car loan with them. They said on the phone that if I enter a voluntary debt plan with anyone they will terminate the agreement. What does this mean? Will…
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Help Removing unfair Late payments and defaults from credit report
Hi How are you, I haven't been to this forum in such a long time but I have a query regarding removal of unfair defaults and late payments from my credit report. Here's the story so far... 18 months ago I left full time employment to study a full time business and entrepreneurship degree (I advanced straight to the second…
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Natwest not playing ball
In december last year i contacted the CCCS due to my debt becoming out of control, as i didnt and still dont have a regular income the only advise they could offer me was to go bankrupt or use a website called sterling trust to make up a income and expenditure statement to send to my creditors and make a offer of payment.…
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hassle from capquest-any advice please
hello, my farther is being hassled for a debt from capquest ( original debt- capital one) he is 75 yrs old lives on state pension and has just been diagnosed with cancer. His latest letter from them to cut it short. our investigations into your current financial position based on information we currently hold are now…
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MSE News: Sharp rise in debt help seekers
This is the discussion thread for the following MSE News Story: "The CCCS says its online debt counselling tool had 86,444 unique users during the first three months of the year ..." Read the full story: Sharp rise in debt help seekers
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Template letter dispute debt
Hey can anyone point me in the right direction for a template letter to dispute a debt? Its a catalogue debt my dad has never had and i cant seem to find the letter! thanks x
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Council Tax Arrears Scotland
Hi Looking for a bit of advice Recieved a Summary Warrant today from Scott & Co Sheriff Officers for unpaid council tax totalling £1373.55. We have 7 days to pay this, we can't pay this in full at the moment and I am so worried as to what will happen now! What would be the next step and will they accept a monthly payment…
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Just abit of assistance!
Hello. I have made the mistake of getting payday loan after payday loan over the last few months. I now owe over £2500 in total JUST on the 8 payday loans - ontop of that I have 2 credit cards and 2 personal loans. Untill recently I have just about kept my head above water, having to take out a new loan every few weeks to…
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Please help my poor dad!
Hey guys am hoping for some words of wisdom as i feel so sorry for my dad and am helping him out! He has run his own business for 27 years earning a good wage paying his bills on time every month, after recently bein knocked back for a £50 overdraft with his bank who has been with for about 20 years i decided i would look…
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need advice please - starting dmp with cccs !! - please read !!
hi , starting a dmp with cccs on the 1st june ( the date of 1st payment ) .. still got to send the signed agreements off to cccs , doing that this weekend along with our old bank accounts dmps letters to them .. got to wait for our mortgage payment to go out of our old bank account , get the direct debits changed over from…
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HSBC issued default notice - what does this mean?
hi everyone. really need some help becuase im a bit confused. i have a managed loan with hsbc which is arrears of about £970. this is due to my husband losing his job and us not being able to make the repayments. today i recieved a default notice. i have no idea what this means and the letter is not clear. i know they have…
