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Carbon Credit Investment?
Anyone have any experience in this market?
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Help with improving credit rating..and also if clear balance how much reduced
Hi I am wondering if anyone can help with a few things. Firstly if I owe about £1500 on debts and I want to clear them in one rather than paying over the agreed time frame, what kind of % amount will be accepted to clear? For example if I owe £1500 would they accept say £1000, or something similar? Secondly… I have a…
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Divorce and personal compensation
Hello all, My parents are getting divorced through my mothers infidelity, but my father has asked me to try and find out a couple of things. My mother has stated that she fully intends to take him for half of the house,yet 50% of this was purchased as a lump sum from compensation from a RTA. Does this have an affect on the…
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Can someone explain the CCA thing please?
Hello I am in need of a bit of help please. I have read on these forums about CCA'ing your creditors but what does this actually achieve? I am thinking of doing this with 2 catalogue accounts I have that are years old, the thing is if the don't have an agreement what do I do then? Would this give me more leverage to…
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Amex & RMA
Dear All, I am on a DMP with the CCCS coming up to a year next month (3 more to go!) All going well so far. Recently I received a statement from Amex for my gold credit card. These had stopped since starting the DMP. I also received another statement this week and it asks for full payment by the due date. I also noticed on…
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some genuine help & advice please
i would like some genuine helpfull advice please, even better if it is given from your own experiences. its a bit long so please grab a tea or coffe first. i am unemployed and live with my partner who works full time although she has just returned to work after being on maternity leave. we have 2 children, 3 years old & 4…
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Invalid CCJ
Hi, A few years ago I was as fault in a car accident for which I admitted liability. During settlement a CCJ was raised against me rather than the insurance company - and at the time I contacted them to ask they had this removed from my records. I recently checked my credit rating and the CCJ was still on there,I have know…
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crapone and power to contact.
Hi all received a letter from a company called power to contact yesterday from our friends cra.p one. It says we are a special company who specialise in locating people who have lost contact with there creditors (now with debitas) and if I don’t contact debitas within 3 working days of this letter they will send a…
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Please help with court costs dilemma
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Court letter
Hi, im not sure if im posting on the right forum or not so im sorry if ive got it wrong. Basically my husband has recieved a court letter for speeding. (an admission letter). He has returned this roughly some time last week. My question is can he apply at this stage to switch courts as the letter is for norwich court and…
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Moorcroft settlement
I currenly have 2 debts with moorcroft debt recovery, amongst others, and I am hoping to clear these 2 off in the next 2months. My queston is, is it worth asking for a settlement figure given that the debts are about £120 and £250 or would that just be cheeky? Or would they even give reduced settlement when the debt is not…
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Change my number?
Hi I am still being plagued with phone calls from my debtors, despite me not answering and leaving it to go to answerphone for 6 - 12 months now! I have sent the no calls request at least twice now and am wondering if theres a point in having a landline at all as I dont answer it very often. I am just about to send my…
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Just a quck query
Hi guys. I probably know the answer to this already, but want to be sure. I've got an old Barclaycard debt that hasn't been chased for a couple of years. I keep getting calls from Calder financial acting on behalf of Barclaycard but they refuse to write to me because they 'don't deal in writing'. My plan all along has been…
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Considering a DMP - advice needed
Hi there I have stupidly run up about £11k of unsecured debt on loans and credit cards. These debts are in my name only and I have no arears or CCCJ's. In fact, my credit score is excellent but I am concerned that, although I can just about scrape the minimum repayments together every month, I am not actually paying any…
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help help help
heres my soa please see additional information!! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 3 2 bikes 1 car Monthly Income Details Monthly income after tax................…
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CCJ Notice - No CCA Provided
Hi, Wondering if anyone can help. Had a court notice for a CCJ with Geoffrey Parker Bourne Ltd for Gothia Limited - I have no idea what Gothia Limited are. Theres a claim form, a response pack, Admission & defence and counter claim form. Is it too late to ask for a CCA? Not really sure what to do :huh:
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72 Hour Notice
Hello, I have received a letter from CCSCOLLECT today telling me that they are going to come to my home in the next 72 housrs to either obtain payment or investigate my home. This is all about a car parking ticket that I received. I went online and followed everyones advice and ignored it.....and the several letters…
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Changing Mortgage with a DMP on file
Hi We are thinking of moving and have been looking at much cheaper housing. At the moment we are just about to begin a DMP, (been holding off and holding off but cant hold off any longer) I was just wondering if anyone has managed to change their mortgage, or get a new one, with a DMP on their credit files. or is a house…
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anyone been with a dmp company & gone it alone?
hi all We have been with payplan for a while now, after numerous problems we want to go alone now, as everything is set up & most have accepted the DMP. What should i do? shall i write to them & explain our reasons for going alone & ask for bank details to pay them? im a little lost how to get the process going x
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Hooray it's Hump Day!! Wed 21st July Daily Chat - Everyone Welcome!!
Hi everyone :hello: Hope I haven't duplicated here but I couldn't see one! I am just about to head into work - I am cycling today, very MSE!!! :money: It's a lovely morning here, still really flippin hot - where is this rain we've been promised??? Ah well, can't complain, at least I won't get soaked on the way in! Just a…
