-
Clearing debt, one left to go
Hi All, I currently have a credit card debt that I acquired when I was 18 (7 years ago). I had issues where a member of my family passed away and I attempted to use the PPI to cover me whilst I took time off work (and away from my A-levels). They didnt like this an issued several fines over a few months and eventually it…
-
Help! Got CCJ due to overpayment from employer but was at Uni!
I left work in september to go to University, in a different city. Meanwhile, my previous employer had overpaid me 2 weeks wages and has been sending warnings and notices to my home address (parents address). Obviously I did not see this letters as I did not go home, they kept a box and put all my letters there. Ive only…
-
Help how to deal with Debt collection agencies
Hi, We have been facing financial problems since 2008 most of our accounts are now with debt collection agences, the Citizens Advice set up low payments for ourselves, but have now closed our case. we are currently adhering to the payments. we would like to tackle these debts head on, and I just wanted some advice in how…
-
Repairing my credit rating
I'm not sure if I'm using the correct board here, so apologies in advance. Having had £5000 worth of debts, owing to my overdraft, a loan, a credit card & various mobile phone contracts all of which I was able to clear in one foul swoop just over a year ago. I am now struggling to obtain credit, I'm wanting to repair the…
-
would a judge look kindly at a dca trying for ccj after refusing 27% f&f offer
Hi i was wondering what a judge would think of a dca trying for a ccj after refusing a 27% full and final offer when they obviously paid a lot less than that to purchase the debt in the first place. I have (one of many debts) a £3000 debt which has been sold to a dca I've been told the cca is enforceable so cannot go down…
-
Help needed please
Good Evening all, Sorry if this is in the wrong section Ok, how do I start, basically my partner got a cold call in 2006 from 3Gmobile, and within a few days 2 new phones arrived by courier, which at the time she was unusre what she was signing for as the were boxed up, anyhow we linked this to the cold call,and she must…
-
Bank Accounts
Hi, I'm currently in debt and paying it off with a dmp. I owe money to- HSBC Halifax Mint Egg MBNA I have an Abbey national account which is a bank that is not connected to the ones that i owe money too, however I really need a separate current account as I dont want my wages and my student loan going in the same account…
-
Cahoot debt
We have been on a DMP for about 4 years now and are within 12 months of finishing. We have just recieved a letter from the CCCS advising us to change banks from A&L to someone else as we have a debt owing to Cahoot (both are now Santander) and they may reclaim it from our account. Is this really neccessary? Have they done…
-
letter from lowell
Hi I received letter from Lowell financial this morning they have bought a debt of Capital one and I owe them 403.35 if I don't contact them in 5 days they will send round an agent to discuss repayment. Ive been thinking all day and I have no knowledge of this debt can some one please advise me of my next step thanks…
-
123 Debt Solutions
Hi, Has anyone had any experience with 123 Debt Solutions. I am thinking of setting up a debt management plan with them. They charge 15% of your monthly plan as a fee. Thank u
-
Offer from Barclaycard
Just wondering if anyone else has had this offer from Barclaycard. I'm currently 3 years into a 6 year DMP with CCCS and still owe 5K on a Barclaycard VISA and the same on a Mastercard. I received a letter this morning stating they were going to re-issue me with a VISA card and give me a credit limit of £500 over what I…
-
Capquest - SD for bankruptcy- out of date?
Hi i'm typing one handed so apologise for bad typing. In 2008 they somehow got hold of my phone number and started ringing me up to 4 time a day. I wrote to them asking to see proof that I owe them this money. They sent me back an a5 sheet of paper with the words "Ultra short application form" with nno terms ancd coditions…
-
Another card bites the dust!
My OH and I have been working mega hard to clear our debt and we have just cleared off a card and a whole heap of bank charges. One card and two overdrafts to go and we will finally be debt free :j:j
-
Error in Full and Final Settlement offer letter
Hi Everyone, First post - be gentle! I recently wrote to a creditor offering an amount of £12,000 to settle a £26,000 debt. They declined this in writing so I phoned and negotiated a full and final settlement of £16,000. I explained I would only make payment if they put the accepted offer in writing. Today I received the…
-
EON & Buchanan Clark harassment and incorrect claims for money
Hi, I posted this on someone else's thread which was also about EON but as there have been no replies I thought I would paste it into a new thread here and hope someone has some advice. I'd like to put a letter together for my friend but don't know what is best to say in the letter. Many thx in advance. Original Post: Hi,…
-
My scary reality check/wake up call :( Any advice on how to cut back pls?!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,510.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
DFW 26/27 June Glasto/World Cup Weekend chat
Morning all :D Another hot one ahead! Got my pay slip for the end of the month and it's a 'no teach' month so very sparse :( Done my budget and with my mortgage (thankfully) going down £200 a month I will have £80 left after paying for bills and petrol and some food or £10 if I pay for 6 months car tax out of my salary…
-
is this a true copy
I recieved this from robinson way today 7 weeks after requesting it please can anyone tell me if this is a true copy of the cca
-
Ignoring creditors?
Theoretically, what would happen if you just ignored letters/phonecalls from creditors? I presume the odd one will try for a ccj, but others will just go from one dca to another, eating up the 6yr statute-barring period. Any thoughts?
-
General question about the debt industry in the UK
Forgive me if this thread seems/sounds a bit bizzare - but i'll give it a go :D It never ceases to amaze me when i read this forum & others like it, just how wretched DCA's are in this country. Without getting too deep here....humans by their very nature will react to threats...thats how we've survived for umpteen…
