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I am in trouble :-(
Hi all, I've been on this forum a few times since getting my loan and car finance with Welcome.... I am just sick to the back teeth of them now. I bought a car from them for £7500 which turns out was grossly overpriced (Vauxhall dealer actually laughed at me when i told him how much). I came into some severe difficulties…
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Unenforcability question
Hi all, deeply in debt, and desperately trying to pay it off, but I have a question... I've got a DMP with CCCS, but am still getting some letters threatening litigation and possibly bankruptcy actions. I've seen a lot of debate about which debts are unenforceable, but it mostly relates to debts denabds arricing out of the…
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Mac Hall still chasing
Hi everyone, My wife got a letter a couple of years ago from MacKenzie Hall claiming she owed them £x amount for an old credit account, which she has no knowledge of. (or so she claims :cool:) We exchanged a series of letters with them, with the help of this site, and eventually got a letter saying that the matter had been…
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equifax help
i signed my hubby up for equifax, im a bit anal about his credit file as our mortgage, car and loan are all in his name. this morning i got an e-mail stating that there was a new account opened. i logged on to find a £3000 loan with santander. i checked the details and it is actually his dad, they both have the same name…
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**Is this enforceable???**
Hey guys i sent off a cca request and cheque off about my boyfriends loan that he has been avoiding. Well today we have had a reply from IQOR who seem to be the owner of the debt, but its not a cca request that they have sent it just seems to be a bill statement list of the balance and when credits have been made. Is this…
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Clawing my way out at 25.
Good morning everyone, Firstly i'd like to say there are some people with some real guts on here, posting and sharing the amount that they have to deal with on a daily/monthly/yearly basis, and with that i've taken a lot of support and ideas to go forward to be a DFW. So i thought i would share mine today after a momemt of…
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Fearless Friday 28th Daily Chat
Morning all. Still smiling despite a summer cold. Didn't quite manage my NSD yesterday (needed cold remedy so I could concentrate at work) but I matched what I spent with an extra payement to the OD:A Claire - sorry to hear about Wongy. As for the jewellery - a couple of pieces of plain velvet type fabric stretched over a…
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Friday 28th 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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Anyone tried negotiating large discounts on their debts?
I have tried for an IVA in 2008 and after a frustratingly protracted process it was finally rejected. I then tried again with a different debt management company and the experience was again like wading through treacle. So I gave up on that. I am thinking of phoning my creditors and offer to pay half of my balance, on the…
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Sent for credit files today, anyone ever done this? Did they take long to arrive?
I don't actually know what I owe and to whom because I have been very ill since the days I built the debt up. (I wrote another thread with ore detail about this a few pages back on this board.) I'm trying to make a start clearing my name as it were, so I can have a fresh go at life. Today I bought the neccessary £2 postal…
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Apex Credit Management
Hi folks Hope your all well. Have anyone here heard of Apex Credit Management Ltd? I hear they work alongside with Lloyds TSB. Cheers.:)
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where to begin.... now with SOA!
Ok here it is..... please be gentle! i have been as honest as i can but still on here have an under spend of 250 yet in reality at end of month i have nothing left in bank and nothing saved so dont know what iv done wrong!! i want to turn this around and desp want to save some cash! Also soon my income will be dramatically…
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NatWest CCA
Can i used the CCA thing on my graduate overdraft with Natwest? I don't think I signed any agreement agreeing to it. If I can use it & turns out it is unenforcable, I assumeI would have to get a new bank account? Would it affect my ability to do so with another bank?
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what should i belive
Hi, I have a question, just gone through a break up with my now ex partner after finding out he was a gambler extraordinaire with debts that would make anyone run as far as possible. I have been trying to sort my self out after having to help him and support him for the last two years causing me some minor debts. I have…
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Good News Studnet Lon/Bad News 02
I have dug out all my old paper work today and discover my student loan is only £5200 not the suspected £5800 which automatically wrote off £600 of my debt off :j Then I did a credit check, and I was also pleased to see that my default notice from Capital One has not yet been put on soI hoping my letter to them does the…
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Final countdown to the end of my debt
Although this might still seem like a long way off to some people I'm able to see the end of my debt being in sight. On 1st September 2010 (well end of August pay day) I will be making my last family loan payment and all my money will be my own!!! £21,000 will be paid off (this is a combination of a number of debts I…
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Unexpected side-effect of not buying lunch!!
If any of you are feeling a little down-hearted at not spending your money on lunch every day and having to go the HM route... I've lost several pounds in weight since not buying all those flash sandwiches!! So I'm saving pounds and losing pounds at the same time. Yippeee!!!
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Creation Financial Services
Hi, I'm in the process of requesting a copy of my signed credit card agreement with Creation Financial Services Ltd (CFSL). The returned my cheque for £1 and stated the follwing: '....This is because the account is closed and no longer active Under the circumstances, you will appreciate that a request under section 78 of…
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Tesco Bank and Credit card agreement
Hi, I've received 3 copies of my signed credit card agreement from Tesco. First one had half of the date missing, the date I signed the agreement. Wrote to them and included a copy of the agreement they'd sent to me, clearly highlighting the area that was missing. Received a second copy of the credit card agreement. This…
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eek scary letter has arrived!
help, I've had a scary letter from one of my creditors, who I have a £5000 overdraft with. The balance has been over this amount for a while but is slowly getting back down to the agreed level. I've been on a DMP that I' running myself for the past year, and have been paying reduced amounts on the overdraft. I got a letter…
