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cca request not sent
hi after some advice ,i have sent a cca request to one of my creditors ,recieved a letter today saying they can not action my request as the written authority is not signed ,does this mean that they are stalling as they have not got a valid cca any advice on how to procede ,thanks
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PayPal Debt Collectors Query
Hi all I'm currently involved in a dispute on PayPal whereby a "dodgy" client has charged back work I completed (I'm a freelance writer) four months ago. This has left me with a PayPal balance of -£409. Becuase I am the victim of fraud, I do not feel obligated to pay this amount. I have email evidence as well as chat logs…
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Help!
I really hope that none of you guys are in the same situation as me, I seem to have fallen into some horrible loop hole and I am finding it terribly hard to get out of it! I am 21 years old and in £5,000 + debt. This, on its own is a horrible situation to have to wake up to every day. The most annoying thing is, I didn't…
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If i lower my payments , can FCM do any worse to me ?
Hi All I have been paying FCM £15 a month for about 3 years on a defaulted loan to RBS , before that i paid £25 a month for 3 years or more , thing is , money is VERY tight lately , and i want to lower my payments to FCM , balance outstanding is about 2100k apparently , sometimes i get letters from RBS showing the balance…
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Pro rata payments and default notice - MBNA
Its been a little while since I first posted about our CC debt. We took advice from the National debtline and set up our SOA with their Cashflow team. We have sent 'breathing space' letters to our 12 Credit cards which most have totally ignored and subsequently budget sheets and offers of pro rata payments. Our left over…
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New & unsure what to do
I've read through the newbie posts and done my SOA and created a signature. Also, wanting to to join the 10k in 2010 challenge but I don't think I'll be able to acheive that seing as thought we are almost into month 6 of 2010 and I have all my debts to pay off first. Anyway, here's my SOA: Statement of Affairs and Personal…
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Overwhelmed
Hello All, I need you help and advice. To put it simply I only have £5000 worth of debt, which I know does not sound like a lot but to me I am struggling. I am a freelancer/self employed and only work when the jobs come in - and so I do not always have money when my repayment date approaches, I get bombarded with calls…
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Whoop! Whoop! One debt paid off!
One of the things I had planned to do today was pay off my Egg loan. Just done it - yay! I can't wait to log on to their website in the next few days and see the big fat... 0 I have so many (DFW) plans for the monthly amount I've been paying towards that debt every month....
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Wrong default date on credit file
Hello I have two default notices from HSBC and Sainsburys Bank on my credit file. Both of the defaults are older than six years but are still showing on my file as both Sainsbury's and HSBC have recorded the default date incorrectly on my file. I have copies of the default letters and have written to both companies asking…
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Can I "DIvorce" my Husband Financially
Hi, My DH has run up credit card debt of 12k, these are all in his name and none of the cards are in joint names. However we do have a joint mortgage and joint current account, does that mean that I am also liable for the debt and if so is there anyway round that or do I have to wait until the joint mortgage is paid off?.
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Bank Details for Mackenzie Hall
does anyone have a bank account number & sort code for mackenzie hall please? They are refusing my offer of payment and demanding i pay £129 per month (which due to low income/and another outstanding debt with poundstilpayday i am unable to do this, amongst mainstream debts as well ) so i willl be making a token payment…
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Taking out a loan on someones behalf?
If I were to ask someone with a better credit rating than I to take out a loan in their name, would it possible to just set the direct debit details for the repayments to come out of my Bank Account?
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staying motivated
How does everyone stay motivated while on their debt free journey?? I am really struggling and using today as a time to reflect on the last 4 months. In the last 4 months I have cleared just under £2800 of debt which is an acheivment but it could of been closer 4k if I had kept a tighter rein on spending, hadn't had a…
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First time fessing up to debt
This is a first for me and I cannot believe I am posting my personal stuff on a website! I have sent this message to the credit help people on here for their professional advice, but like advice from people who have been or are in a similar situation too: "Hello I have decided to take control of my finances. I have 4…
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Not sure what to do..
I need some advice. My sister has recently moved in with her partner and he has just rung me at the end of his tether because after a row today he has found out she has racked up thousands of pounds of debt again and had just asked for £300 advance on her wages - he doesn't know what to do. she has done this twice before…
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Who should I pay first?
Hi everyone Unfortunately my partners income has dropped quite considerably in the past month or so ( in between contracts). Things should get back to normal in the next few weeks but for this month at least, we are unable to pay all our bills. We are in debt and im not prepared to get in any further than we already are.…
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Am I Doing The Right Thing? £85k debt.
Hi there, I'm a newbie, and although i've been happily on my DMP for the past year or so i've been feeling really low and uncertain about my future over the past couple of days and would appreciate your views/reassurance if poss. :) I owe a LOT of money, (£85k!) resulting from taking on a loan to pay off credit cards then…
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wishing away credit card debt......
A year ago hubby and I agreed a 5 year plan to clear all of our credit card debts - between us a staggering £70K - now down to approximately 60K. I took advice from one of the free debt agencies and wrote to all of the credit cards with a full breakdown of income and expenditure and agreed payment plans. Luckily all bar 3…
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Old mobile phone bill trouble with debt recovery people
Hi there, I am having some trouble at the moment with a debt recovery company called NCO asking me for over two hundred pounds due to an old debt with Orange. The bill i have outstanding with Orange is for exactly 122 pounds and when i called to pay orange they said they could not accept my money and that i had to deal…
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Which Court for 'Set Aside' for SD?
I have filled in my Set-Aside form because I do not agree with the amount demanded by a company on Statutory Demand 268(1). I have gone to my local court Warwickshire County Court, and they have told me I have to submit it at Coventry Court as this is the court stated on the SD. This cant be correct surely? The debtor…
