Debt-free wannabe

Discussion List

• CCA letter to be sent recorded delivery

  Hi all, Just a quickie. I am trying to send a CCA request letter to a DCA but the only address I have is a PO Box. I was under the impression that you cant send recorded deliveries to PO Box addresses. Can you? What other way can I send it? Thanks, Sparky xx

• Need help and motivation

  Hi, Hoping for some advice and a bit of motivation please! I finally sat down and added up all my debts in April of this year which came to a quite frightening £24,980. (Including payments left to furniture and my mum) I only have 4 payments left to make on the sofa at £45 a month and my mum has been so nice and agreed to…

• Are the rules changing re: credit card interest repayment order?

  Brother had this message on his Virgin statement yesterday Is this a new rule or just mbna? Good News! From September 2010 any payments you make will always go towards paying off balances at the highest interest rate

• Making overpayments

  Hi all, I have a secured loan with Welcome Finance and having now got my other finances in order, I contacted them last week to find out about making overpayments. The phone call was a real eye opener. I took out a £10k loan over 15 years and make a payment of £245 per month. Did build up £800 in arrears which I realise my…

• Loan Insurance

  We have today received a settlement letter from Paragon Loans, we took a loan out on our property about 3 years ago, they encouraged us to take the insurance on the loan, which bumped it it up by around 8K - after a few months we cancelled the insurance and they said that was the end of the matter. in fact what they have…

• I am finding it difficult to budget.....

  I have been on a DMP for over a year now which has cut the amount of debt I pay out each month. Fab! Since that began, I've been living like a hermit on my own. I'm a single guy on a less than flattering income for my age. I can't really afford to go out, can't afford to go on holiday and when something comes along like a…

• No CCA - What next?

  Hi, can I have some guidance please?!?!? I have gone down the cca route with a dca ( This debt was actually passed to this 2nd DCA whilst still outstanding cca from 1st dCA) so I have a template ready stating that account was already in dispute,when sold,ready to go. However, I have received a letter from the DCA offering…

• Are your debts shared with your OH?

  I've seen a couple of posts where people say "I can ask my OH to help but they won't be happy about paying off my debt." Is this just people who have been together a short time? Any married couples with children take this view? I find it odd TBH, we've been married 2 years, living together 4, and everything is joint! We…

• PLEASE help me, loads of debt, sick with worry.

  OK, am posting this cause am really just at my wits end.:cry: Very long story, but I'll try to be brief. Basically myself and my husband are in a LOTof debt:(. They are all joint debts. Some of the debt dates back to my student days (13 odd yrs ago!) and some is due to being VERY stupid with money when we were younger…

• Capquest/HL Legal

  Hi All, Hope someone can give me some advice, I have a debt of £324 with shopdirect which was sold to Capquest. I told them by letter how much I would be able to offer per week and basically told them I would offer no more as I couldn't afford it. They agreed initially then sent income/expenditure form which I refused by…

• Advice for Marbles debt?

  Can anyone help? I am 2 1/2 years into my DMP with CCCS, and pay a sizable chunk into it each month, and whilst interest payments stay low, I'm very close indeed to my original contracted payments. I should be clear of my debt in a little over two years. Included in my creditors are Marbles and Halifax. (Same people I…

• debt help

  where is the best place for help, i have 3 credit cards and pay £180 a month which i cannot afford and a loan of £286 , has anyone been in this mess before,if there is please let me know. im desperate

• Old Halifax Mortgage / Tomlin Orders / New Question!

  Hi all, I'll try to make this clear (it's anything but to me at least). It's a long story so I'll summarize it if I can. Had a house repossessed in 1999 which the Halifax sold in 2000 with a loss or shortfall of almost £8900. This fell short in time frames for the statute whereby they won't chase you any longer and upon…

• CCA getting technical can any one help please?

  I sent a Account in Dispute - Section 10 Notice letter obtained from the forum. The CCA letter states 'Quoted from their letter' " You have not specified upon which grounds you rely for your notice under s10 of the Data Protection Act, we do not consider this valid; furthermore this is not a valid request as it falls under…

• Errors on Credit Expert

  Hi, I've got an issue with my credit report and I was wondering if anyone has had the same problem. Basically, I've been paying off my Halifax overdraft on the 1st of every month and I've paid on time since I've set this arrangement up. I called Halifax about it, who confirmed this info also. So really, Credit Expert are…

• Anyone got any facts about the vague 'Arrangement to pay' please??

  Hi I have re-posted this thread from the currrent account board in the hope of getting a few more replies. Quick questions... I had an arrangement to pay an over the limit OD with lasted one month back in Feb 2008 with Barclays. Received my credit file from Experian and noticed it shows up on my history. 1. How adverse are…

• Cabot making claim - scared

  I have today received a Northampton County Court claim notice for a debt that Cabot purchased from a credit card company in October 2009. The debt was from January (or so) of 2008 and is just over £2000. At the time of the original debt in January 2008 I was unemployed and in great financial difficulty. Two other credit…

• Where are you all?! - Thurs 17th June daily chat thread

  Well, if no one else is going to bother... :D My grandparents are down and looking around Bath on their own today so I can get some work done. We went to Glastonbury yesterday, which was fun. I got to have a little wander around the Abbey and we had scones. I feel very happy today and ready to get on with some work. (I'm…

• Advice on SOA

  I am unable to meet repayments due to a change in my financial circumstances. I run my own business but am only able to take min wage for 16 hours due to a drop in business which i don't see changing any time soon. I have left the A & L loan amount blank, it will be around £4800 but am waiting for the exact amount to be…

• My Best Option

  Hi, i have debt that im struggling to pay.Its not an awful lot but enough to get stressed over. My question is would it be a good idea to pay debts off with a credit card or go for a loan.I have bad credit history so my options for loans is limited the ones i have seen offer an APR of around 53% my credit card is 27% for…