Debt-free wannabe

Discussion List

• Bank penalty charges for businesses

  Are the rules different for business accounts? I'm still getting charged £30 a time for any payments over my overdraft limit (I try not to let it happen, but it's difficult to prevent if the money simply isn't there!) and I would like to know if it's worth contesting. It must cost them next to nothing to administer, as…

• CCA advice

  Hi all I requested cca from aktiv kapital who purchased a egg debt. Today they sent me this, any advice if its unenforcable http://i934.photobucket.com/albums/ad188/dr55980/cca1.jpg http://i934.photobucket.com/albums/ad188/dr55980/cca2.jpg It contained my signature of which i have removed for obvious reasons thanks

• Final payments of debt with Debt collection agency

  Hi As a new member and obviously very naive, I wonder if anyone can give me some info. I have 2 payments left to settle with a debt collection agency, Moorcroft. Will I get any communication from them telling me my debt is clear? It was with interest I read an earlier post regarding the pre court division letters and phone…

• Ascent & Northern Rock

  Hi All - Haven't had to write for a while - all repayment arrangements after lengthy & stressful negotiations been running fine....until.....out of the blue the other week comes a letter from Ascent Collections in relation to a Northern Rock outstanding debt, requesting I contact them immediately etc to set up repayment…

• son in debt

  Please can anyone help. My son who is 27 has got himself into debt to the sum of 15k. He is working and earns roughly £1100 a month. He has been having advice from the Debt Advisory line and they have told him an IVA is not the right option for him and they have advised him to go onto a Debt Management Plan. He has filled…

• Talk Talk harrassing debt collection calls and sanctions despite not being owed any

  Somehow they have messed up my account big time. They have sent it to arrears department despite us not owing anything. The arrears department refuse to look at the account saying pay this money NOW. We have gone through to customer service who say how sorry they are. Yet the calls are still coming 10/15 times a day. Now…

• Credit rating anomalies

  I'm currently in the process of trying to get my finances in order, I'm not doing too badly but things can always be better. The root cause of me doing this is back in '08 i had a run in with a company called 1st credit, working for quickquid, trying to nail me for a debt i knew knowing of, Sent off a letter saying as much…

• orange threatning with debt collectors help please!

  i have a phone bill of 297 pounds with orange for a unpaid phone bill they just sent me debt to a debt recovery company. They have sent me a letter teling me to pay up or it may go to court. im on a DMP but i rekon i could afford to pay £100 off the bill what do you think i should do should i be worried.

• Lowell Group

  Hi I am a little bit confused as it seems that Lowell Group have taken a lot of money out of my account and i have not received any letters from them recently. I made a payment to them and said that I would arrange a direct debit but they have not sent the paperwork but I never received it. Is this ok for them to do this…

• Questions about CCJ's, default notice and CCAs....

  OK....in addition to myother thread on the total shambles of my finances and my debts LOL I need some specific advice about one of my loans. Its a Lloyds loan,taken out in 2004. For 3 yearswe have been paying a reduced ammount ona DMPthrough the CCCS which they have been happy to accept. Then about 2 weeks ago I received a…

• Urgent advice needed. Already spoke to CCCS

  Hi Guys Just wondering if anyone can give any pointers/advice in regards to the mothers situation. Im in the process of trying to sort this mess out. Story so far.. She 51, got 14 years left on the mortgage. Done the usual things like spreadding CT over 12months, downgrading the Tv package, cutting down on shopping etc. I…

• Help - Council Tax

  Good evening, OH just found a small pile of post we'd missed, which contains a notice that we'd missed a Council Tax payment in April. Apparently we've got a Court summons for tomorrow :( If we ring them and sort it out in the morning are they likely to withdraw? Mind you, I haven't got enough in the account to pay it, so…

• Help Needed Please Read

  Hi I currently have a DMP with CCCS and one of my creditors is CITI Finance they contacted me the other day and informed me that they had accepted the offer CCCS had mede on my behalf. They have rang me today and informed me that they have rejected the offer I have received a statement and in the last 2 months they have…

• Looking for Advice for debts on the horizon..

  Next month there is a few things which have all come together at once such as holiday, car insurance etc. I expect this to cost 1000 in total. I have a 600 overdraft with my bank Finally I have a loan outstanding of 2200 with lloyds TSB at 9.9% I have a few questions if someone could help me: 1) Is it feasible to put all…

• Find a penny

  Walking back to my car today I found a 20p piece on the floor so I picked it up. I have seen money on the floor many times in the past and thought nothing of it. Maybe I am getting to the point of stupidity or something, but from now on I am going to pick up every coin I see. If anyone else finds some money on the floor…

• HSBC and 0% credit cards

  has anyone with an HSBC account managed to get a 0% credit card? Virgin and Tesco refused saying HSBC do not release credit history - although the credit points are over 500.

• Credit Report

  I have looked in depth at my credit report really for the first time and realised that my active current account is not on it. I have a joint 'house' account and a current account I opened and then closed on it but the one I have used for 16 years isn't... So would my current account not being registered on this report…

• Old Debt

  Not sure if I posted in the right section before (. Could someone give me some advise on a 7+ year old debt we are being chased for?. Original thread below. https://forums.moneysavingexpert.com/discussion/comment/33887355#Comment_33887355

• blair oliver and scott money out of bank

  iam really annoyed just checked my balance to find £147 gone, they i have recived no letters of them so how can they take money of me the swines !!! rang them up explained it all my moblie bill i dont want to see:eek: but i explained this money is disablity living allowence, and she would refund this back to me stright…

• Recorded delivery

  I have prepared a letter to ask for my CCA to a debt collector. How can I send this recorded delivery if the only address I have is a PO Box. Any ideas? Sparky