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CCA received - is it valid?
Hi all hope you can help. I was getting doorstep collection/court action threats from Debt Managers Ltd on behalf of La Redoute catalogue for £330. I requested a copy of my original CCA and sent the £1 cheque a couple of weeks ago. Yesterday Redcats UK (the company behind La Redoute) sent me a letter with an copy of…
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Saturday/Sunday 26th/27th June - What small DFW things have you done today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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from Penthouse to Outhouse! Please advice
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have you placed a bt broadband order?
this info is sent out to staff, they are not checking all orders if you have placed an order in the time scales you might be able to get the voucher top secret i didn't tell you this Between 16–30 June 2010, customers ordering BT Total Broadband, BT Infinity, or a new BT Telephone Line, via certain websites, are eligible…
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BT price change i didnt tell you this
bt are changing their offers so if you want the best deal with them get it now as you get 3 months free atm here is the info passed to staff Essential Reading number 83398 | posted 21/06/2010 08:00:00 Audience: All Conusmer Sales Action: Customers who call in and ask about our Unlimited Anytime Plan and Broadband Option 1…
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Newbie or am i??? Advice please!!!
I just want someone to plllllease tell me what to do! If not advice would be good. I originally tooke my DMP out with cccs around 4 years ago for just over £30,000. This was loans, cc etc. All unsecured. Stupidly i didnt add my catalogues onto this as i wanted to keep ordering from them. Now £30000 i cant afford the…
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My SOA please be gentle
I hope I've done this right. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 680 Partners monthly income…
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Couple of Questions about Full and Finals
Hello everyone, I'm on a DMP with Payplan and I'm at the point where I can make a full and final offer to a couple of my creditors to clear them. I asked Payplan if I could do this and they said it was OK as long as I kept them in the picture. I've got two middle sized creditors I was hoping to clear - Cabot, who I think…
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£7,000 or told to leave house?
Ok so i am posting this on behalf of my Girlfriend and please move to the correct board if i have posted this in the wrong section. My girlfriend is Polish and so are her family but she speaks fluent English, her parents are not so good at English and i hope this does not affect there chances of receiving help, they both…
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SOA - Newbie (have I done this right)
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1[b) Monthly Income Details[/b] Monthly income after tax................ 1174 Partners monthly income after tax....... 0…
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nationwide bank have offered to cut the amount of
debt owed for a friend. if he pays this off then he will be considered default but partly satisfied. i said if he paid all the amount which is considerably more then it will still be the same. i dont see the logic! he may not have the money for all the lump sum either as he has been ill but did not want to sign on sick. he…
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Equita charges
Hello all Basically, I had an outstanding £80 parking fine to pay to Birmingham City Council. Long story short it got passed onto Equita bailiffs. The bailiff came to the house and did a levy on my car and left a form stating that I owed £342. After reading through advice on here and on Bailiffs Advice online (thanks by…
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Equita Bailiffs please advise
I had an arrangement with Equita to pay off a debt of of £850, we now only owe £320 but following a missed payment, they have now passed the debt on to their bailiffs. Luckily we weren't in when he originally called round but he did put a letter through our door telling us that he had been round. He levied on my sisters…
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Unfair CCJ? Help!
Hi, I am writing on here on behalf of my mum who is worried sick with the thought of the problems she is having. She split from her partner and moved back down from Suffolk to Essex. Her job whilst up there claimed they have paid her a months salary too much at the end of her job. They began to send her letters to get her…
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Advice please!
Hi All Approx 10 years ago I built up huge credit card debt whilst with a former partner. Unfortunately, I still owe a considerable amount on 2 credit cards although I have slowly been re-building my credit rating whilst renting a property. I have paid off several high interest debts and the only debt I now have is on the…
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Unexpected iQor & Severn Trent water bill
Over a year ago I was living in a shared rented apartment with a friend/work colleague. I then left the apartment and bought a house on my own, and haven't seen or heard anything of the other person since. A couple of weeks ago I recieved a letter and called the number on it. I was told that there was an outstanding…
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bit of advice..
Hi Just looking for a bit of advice, im currently paying off my debt bit by bit, currently outstanding i have an overdraft of £800, second overdraft of £1,069, catalogue of £244. Ontop of these payments I have my usual car, car insurance, phone bills, board etc to pay. I lowered my oustanding debt by quite a bit over the…
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Littlewoods CCA?
Hi, Firsty, Hi! And sorry if i have posted in the wrong place. I have on my littlewoods account a total of £1910.34. I sent off for my CCA and never got a response. Today i got a letter saying the following "With ref to your recent letter, I can confirm that we will not be pursuing the above littlewoods account for the…
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DMP with CCCS - nearly all creditors have refused!!
Okay, I am feeling sick .. set up a DMP with CCCS and my first payment has gone out today. I have an embarrassing amount of money that I owe .. £56k .. not sure how it happened but involved redundancy, children, maternity leave ..... I just spoke with Nationwide who I have a credit card with (owe £3.5k) - keep ringing me…
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Any tweaks on my SOA
Here is my SOA. We have got it down quite a bit. So i think it is pretty tight. If we can stick to this we should be okay. We are trying to save for our wedding as well as pay off debts at the moment. Kept wedding costs a bit cheaper as getting married abroad. 0% and £0 payments are a limited time only. Plan at the moment…
