Debt-free wannabe

Discussion List

• Were do I stand

  I taken a loan out for £5000 10 years ago had a bit of trouble with the ex and left now 10 years on they caught up with me and sent a bill off £10,000 to pay capquest is the company dealing with it what do i do next. Any advice wellcome.

• Advise cabot - argos cca unenforceability

  Hi everyone, Just wonder if someone could help me with what to do next. Basically i have had a debt with argos ie store card for a few years now and i have been paying a pound a mth. Argos then sold the debt to Cabot. To which i continued making the payments. After looking around this site and the internet i took the…

• Debt Diary - £500 a month challenge

  Ignore!

• Best Ever DCA Offer?

  Well, someone from the thread, decided it'd be funny to upload the following - seems that Robinson Way have now opted for a more, kiddie friendly approach to Debt Collection.... What you're about to see, really is not a joke - are you ready for this.....? :rotfl: I've never seen anything so "appealing" in all my life! I…

• NCO/ Orange debt

  First of allow me to apologize, I am fully aware this thread is just a repeat of many other threads, which with a bit of time and looking i could probably have my problems resolved by these previous threads. Unfortunately i don't have the time (no i am not lazy), i am currently juggling with studying, working part time and…

• SRJ debt recoveries chasing me

  Hi, new to these forums and jumping straight in with a plea for help. I dont know if I've put it in the right section so apologies if I havent. I used to have an AOL broadband account which after many constant issues I cancelled via telephone around 6-8 months ago if not longer before. I spoke to one of their operators…

• Do courts ask for proof of SOAs eg. Bank statements

  When considering a CCJ do county court judges ask for proof of the amount you can/cannot afford? The reason I ask is that the other day I was feeling a bit down about my debts having just written millions of letters to creditors regarding my debts and so I ordered a pretty expensive takeaway (£15). I am a terrible comfort…

• When do CCJs vanish?

  ...........

• Post Office threatening to register default when no money owed, help!

  Sorry to double post on the forums but my mum is really concerned, and I thought that this forum would have a few people with know how about credit reference agencies.... So how do you stop a company falsely registering negative information about you? All information in a thread in Home Phone entitled "Post Office…

• hl legal solicitors capquest help

  Good afternoon, I am really after some advice on what to do in a situation that has arose. I have recieved a letter from capquest investments ltd regarding a debt with alliance and leicester persinal finance with a balance of £1106. it states, after the above details. 'capquest recovery ltd has appointed this firm (hl…

• Service Charge Arrears: fixed proposed payment is not accepted..

  Hi Guys, I was wondering if anyone could gives me suggestion on this problem. I have arrears on my Service Charges. The charge it self is pretty overpriced (I am not the only person in our block who thinks the same), but we couldn’t do anything at the moment. As it stands, I am on DMP which shows that I don’t have enough…

• Wageday Advance (Advice needed please)!

  Hi I am hoping somebody could help me please. I had a loan with Wageday Advance for approx £250.00. My husband has had his hours cut so i approached CCCS with regards to my debts and set up a DMP for all my creditors I also sent letters to all of them stating what i was doing. Today i have received a letter from Wagday…

• Hanging by a thread........just about! Part 2

  OK Slight update since I last posted this 3 months ago...........things are pretty static if not a tad worse to be honest.......... Debt overall has incresed by about £1000 mainly due to pre-existing arrangements that I could not back out of (£700 balance on a holiday on which a sizeable deposit would be lost and a wife…

• Default on credit file

  Hi, I have just checked my credit file and notice that I have a default from british gas. I have heard people talking about templates to get them removed. Anyone any ideas?? The account defaulted on 17/03/2006 and says satisfied. Am I right in saying it wont be off my account until 17/03/2012? :eek:

• NCI visit for mortgage arrears for Landlord help

  Not sure if anyone could put my mind at ease just had a hand delivered letter through the door I opened it first then read that it was addressed to the landlord, anyway, it says that someone from nci have called to discuss the arrears on his mortgage, no one was in so to call back and arrange a convenient time. I'm worried…

• LLoyds default notice

  Hi all, I have had a LLoyds tsb credit card for sometime, but have fallen into financial difficulty. I have been making reduced payments through CCCS for the last 6-7 months.Arrears have built up on this account and i have now received a default notice. The link for the default notice is below:-…

• You Gov payout time?

  OK, so finally pulled my finger out and had a blitz on You Gov surveys and have hit the magic £50 payout:j Any idea how long it takes for the cheque to come through please? Thanks in advance, Holly

• Lowell Finance chasing statute barred debt

  Hi again, My efforts to tidy up my credit file are provng to be very difficult and stressful. I have an old Barclays Student overdraft which I consider to be statue barred as I have not acknowleged it in any way since 2002. Lowell Financial have written to me demanding payment, so I called them. They tell me that I made a…

• F&F Settlement Offers

  Hi, After my last thread regarding the debt companies turning down every settlement offer I make to them, I got a hold of my credit report and I can see the defaulted amounts on these accounts are much lower than the full balance that they are demanding from me. e.g. Full amount £214, defaulted amount £108... Can I argue…

• How long is it reasonable - incorrect Default

  Hello all, Not sure if this is the correct place to put this but here it goes- I have 2 defaults on my credit file one with O2 and one with Barclays, for both I have been informed that they were there in error and would be removed from my credit file. I was just wondering what the length of time this should take is?, with…