-
Fredrickson intl
I got a letter from them regarding Cap1 cc debt, entitled "letter before action". In the letter, they want the full debt to be paid within 7 days or the will take "immediate action". They even Breakdown the costs: Oustanding Balance to pay now lnterest Court Fees Solicitor GostsNew Balance if proceedings are issued Anyone…
-
CCA dispute letter help
Hi, I followed the templates on this site to request a genuine copy of my CCA from a debt collection agency, i sent the following: CCA request CCA reminder CCA dispute I gave the alocated time fro them to produce the document and to date this has not been forthcoming?? my question is, i have sent the dispute letter and had…
-
Lloyds-TSB CC debt problem
My friend Daz just came to visit me and asked me if I could do this thread for him, his BT line has been cut off due to payments problems and no internet at the moment because of that. He had a CC with Lloyds-TSB taken out in 2001, he stopped paying them on 2007, the debt was then £2000 something, then from 2008 he was…
-
help with debts (6months later)
Hi all, I posted a thread on here about 6 months ago. I was very worried about the debts that i had then, and still have, therefore back on for some advice. I have enclosed the old thread including SOA for you to look at. We marry in December, orginal budget £4-£5, now at £8k!!!!! however, we have done execpetionally well,…
-
...*shouts* .....help !!!!!!
Ive just recently separated with my husband - hes moved out and Im left nursing a total of 12 grands worth of credit card debt - all solely in my name - (he could'nt get credit of his own so had an additional card on my credit card account). Im not working at the moment and have just gone onto income support. Friends are…
-
Stopping the overdraft cycle
I am trying to stop the cycle of us using the OD and then it cutting into next months wages. I am not sure what to do and would like some ideas. As it stands: We have £910.43 on the overdraft and £219.57 owing on the credit card. We have just changed banks and my partners wages have gone into the new account which is why I…
-
British Gas debt
Hi all, Need some advice about this debt hassle. I am on a DMP with CCCS. The issue: One of the debts is an old bill I had with British Gas dated back to 2005 for an amount of £580. I had disputed the bill at the time with British Gas because they had messed up with estimated meter readings even after I had given accurate…
-
dealing with debt collection agency
Looking for a bit of advice. Yesterday I received a letter from a debt collection agency stating that I owed £360 to E-on. This was for my last flat, which I moved out of in December! The day I moved out my flat, I phoned the energy company, gave final meter readings and asked them if we owed anything and could I just pay…
-
Blair oliver and scott.....
I posted this message on another bos forum and was advised to start a new thread..... any advice or even opinions would be appreciated. To cut along story short, I have had a fair amount of debt over the past 5-6 years! I have managed to pretty much get them all paid. Two of my debts were my halifax bank account and my…
-
Welcome finance
Hi, around nov 09 i had salary arrested to pay welcome finance £1562 this was done and so i assumed account was closed as it was for the full amount owing. in april i applied for ppi reclaim for two loans from welcome ( no outcome as yet) Yesterday welcome phoned and said that i still owe them approx £800 . does anyone…
-
DFW Daily Chat 23 July FRIDAY!!!
Morning all :D Misty start to the day here but it's clearing. Woke at 6 having a very intense and mixed up dream that I'd got the job I went for the interview for and it was all going wrong and I woke with that horrible stressy, panicky feeling. Glad I didn't get it, I think that was my brain saying it definitely wasn't…
-
Friday 23rd July - 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…
-
Just got my credit report
So today i received a copy of my credit report from Experian. A few surprises there. Firstly a CCJ an ex employer took out on my for an apparent salary overpayment, is listed as satisfied despite me still arguing that i don't owe the money and i haven't paid them anything. Secondly a lot of my debts aren't listed, although…
-
MBNA have cut a load of staff....
.... mostly from collections - over 60 positions from there alone. Not really relevant to money saving I expect, but people will either get less calls, or more from the outsourced offices in India. Frontline customer service is also being hit - so dont expect any courteous people if you need to call.
-
Creation Consumer Finance/ Premium Finance
Hi there Been on my online banking tonight to check the DDS for month end payday and noticed a DD had been set up for a company called Premium Finance. Phoned my bank who were relatively useless and said they were not able to tell me how this company had set up a DD on our account. We have never used this company and dont…
-
Defaulting on 1 Agreement with Lloyds compared to DMP
Brief bit of help wanted here. Am I better to default and come to arrange with Lloyds internal debt recovery, contiuning to settle my other accounts in full? Or goto DMP with CCCS where I default on everything? I have 5 main creditors I owe money to, totalling around £27,000. 4 of them are with Lloyds TSB in loans, a…
-
Do one-(low)-income families ever get ahead?
I am new here, glad to find the site. I am a nurse and my husband barely makes over $40K a year at his salaried position. I quit my job last year, making $20K/yr, to be full time stay at home mom with our daughter. I will skip all the boring details and say that our only debt is a $800 mortgage payment and as of now, a…
-
CCJ - Court passing on info
The companies I have CCJ's with do not know my current address. I have stupidly (some might say) contacted the court and given them my current address to send case file notes on the CCJ to me as I had received no paperwork when they were issued and CCCS asked me to obtain case notes. Question: Will the courts pass on my…
-
NDL or CCCS?
After several months of following all advice and getting to a point I have changed bank accounts to safe bank, defaulted on payments arranging £1 token payments and now getting letters threatening to take me to court etc etc I am now looking to do a Debt Releif Order and wondered who was best to use between NDL or CCCS?…
-
Help, I can't stop spending.
I know this sounds crazy but although I don't have very much money, I still seem to be spending money that ought to be paying off my debts. It's always on groceries and not magazines or other stuff. I go shopping with a list but see things that I know we'll use in the future such as shampoos, washing up liquid and special…
