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Confused about Full and Final settlement offers
I wonder if someone could enlighten me on making full and final settlement offers. We have debts of around £26,000 not including our mortgage. When I had my LBM about a year ago I cut all of our outgoings right down and now we just about cover the payments each month so we are not struggling drastically as such. I've never…
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Help Needed!
Hi, I have car finance with Bank of Scotland and have 14 monthly payments to make. The car in question is off the road and has been for the last 5 months.I want to get rid of the car because I cant afford the repayments anymore, but the car isnt worth as much as the finance settlement. I have had quotes to fix the car and…
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Cancelled DD reinstated by bank!
Hi all, slowly getting back into the swing of things, but feel like I've been run over by a bus:o. Everyone has been wonderful and we had a lovely service for Dad which ironically he would of enjoyed;). Need a question answering though as am rather annoyed at my old bank at the mo:mad:. When I changed to a basic account I…
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Car Finance Help Needed
Hi, I have car finance with Bank of Scotland and have 14 monthly payments to make. The car in question is off the road and has been for the last 5 months.I want to get rid of the car because I cant afford the repayments anymore, but the car isnt worth as much as the finance settlement. I have had quotes to fix the car and…
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SOA help?
It's not complete and I'm struggling with technology. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 4 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 200…
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mckenzie hall cabot further info
following a request for makenzie hall to prove me debt 2 months ago a letter from cabot has come showing that i signed for a credit card in 2001 and there is a history of the interest accrued. the debt has never been acknowledged its over 6 years old is it with mh now or have they passed it back to cabot? what power do…
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advice needed full and final settlement offers.
Hi this is the first time i've posted on a forum so i dont really know what im doing. But i would be really grateful for some advice. I'm a single mother on a low income and have been left with debt after a relationship breakdown. I have sought advice off cab and they negociated repayments of £1 monthly to most of my…
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my wife just got a tv licence court summons
Hi all, i have not posted on here before so im not sure im posting in the right place but here goes(i have posted this already but i was told it would be better posted in this section). in november 2009 my wife had a knock at the door and it was a tv licence guy. she let him in and she filled in some paper work with him…
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DCA tactic
My wife answered the phone last night. A woman asked for me by my first name. When asked who she was , she didn't say and just said "tell xxxxxx I'll phone him back tomorrow. Thankfully my wife is aware of my situation and knew immediately who would have been calling (choose from Mercers, Calders or Blair Oliver), but can…
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Egg & mint woes
Hi all i know firstly that no creditor has to stop the interest on a dmp but what can i do about a creditor that is charging high amounts of interest & charges each month & all the letters i have sent them requesting it ( at least 3 each) have been ignored even sent recorded. My debt is increasing so very much and im so…
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Stormy Saturday/Sunday (8/9th May) DFW Daily Chat
Morning all! Going to start my journey home in about an hour and a bit - need to get a taxi and boom to the station to go get my many many trains
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Sat/Sun 8th/9th 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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I'm in a mess, help please
Hi, as you can see I can't sleep. I spend all night sat here worrying. I've got in a mess and tried to pretend it will go away but it won't. I've got a big CC bill with lloyds tsb £9200, i've got a loan with an outstanding balance of £5330, another loan with Northern rock taken out what seems a life time ago at £142 a…
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debt collectors what are my rights?
Hey peeps. I'm not sure if I'm posting in correct place, please feel free to move post if I am. Here's the thing, i had an account with the RBS a few years ago but got so sick of charges and sick of them not listening to my requests when handling my account. I had a student account at that time and it was a a current plus…
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DMP & Marriage
Hey guys, Me & my hubby to be (on 21st May!) are on a DMP with Payplan. Do we need to notify individual creditors of our marriage or just payplan (or don't we need to notify at all?)
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McKenzie Hall
Hi, I'm new to the forum and wanted some advice. I got into loads of debt in 2001/2002. In 2008, I was contacted by a debt collection agency regarding an old debt. They offered a settlement that I could pay monthly. After paying for 8-10 months, I asked for a statement. Nothing arrived and I then cancelled the direct…
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fairfx card
Hi I am new to the forum and have a DMP with ccs which is reducing my massive debt , next year I amd trying to save for a holiday ( I know its a bit wrong ) but was wondering if it will be possible to apply for a fairfx card B
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Hullo!
Hey all, i've been hanging around and reading posts so now i think its time for me to make myself known. I'm 21 years old, and an aspiring teacher. I started an english lit degree when I was 18 but I never got to my final year (a few personal problems caused me to leave) So now i'm in quite a bit of debt from that but…
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Full and final settlement query-mbna offer but on dmp
Hi again We have around £19,000 debt with MBNA and are on month 6 of our DMP with 13 creditors. MBNA rang today, were actually quite pleasant, and advised me we would be put on bad debt list for 6 years from the end of the month(can't remember proper name for this but youknow what I mean). Then then offered a settlement if…
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Barclaycard/Lowell financial
I have received some threatening letters from Lowell financial regarding a debt from barclays that first defaulted in february 2006. I have sent them a CCA letter and that have written back (later than 14 days) to say they have requested a CA from 'our client' barclaycard. They also state that I am 'Required' to repay the…
