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Keeping Records
I know it has been said over and over on this board how important it is to keep records. In the past while I was paying off my debts I always wrote to the companies saying I would only correspond with them in writing and wouldn't take phone calls which worked well because I could save all my sent letters on the computer…
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CAPQUEST offered me settlement figure - do i accept or is it dodgy?
Hi there, Capital one passed my credit card debt to capquest. They have predictably, been hassling me every day via phone, but have sent a letter saying they will accept £397 on a balance of 495. Do i accept this? They say that they will settle it on my credit file with a flag saying "partial payment". I am really tempted…
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Halifax
Oh God, I'm so embarassed! Yesterday was a good day, had a letter from CCCS confirming the set up of my DMP. Today I went to put petrol in the car as it was running on vapours and the card was declined. I guess I should have seen this coming as I have an overdraft on my Halifax account and they are one of the debts I have…
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Being Honest about debts
Hi All, I wanted to seek help with this as it is eating away at me and I need to get this pollution out of me. Basically I cleared all my debt in 2008 and becuase of relocation costs and unemployment in 2009 had run up debt again. Me: I originally came to Britain in 2004 on my own without any family or friends. I have…
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Get better deals from the big companies!
Hello, Don't know if I've posted this in the correct area, but lets hope so :) I've been looking at these forums for the last week or so, without signing up and posting, but now decided that I would get in on the action and try to see if I can possibly help save people some money as well. A little bit about myself, I am…
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What happened to Mouseanne ?
Hi, not been back for a few weeks after being trolled, what happened to Mouseanne ? did Niddy get any more debts written off ?
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Please help! Shop Direct Finance won't listen!
Hi this is my first time actually posting as I cannot find the answer to my question from anyone elses thread! I have an account with Marshall Ward, current balance about £3500, have always been able to manage minimum payment but recently husband has been in and out of work so our income has dropped and I just have not…
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CCJ Removal help
Hi People, i am new to this site and posting threads so please bare with..... I have a CCJ that has been registered in 2007 by a company that i used to work for. This company has now been dissolved and no longer in existence...is there a way that i can get the CCJ removed? any help would be much appreciated. Thank you in…
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confused? Nat west loan/dca's
Hello all, I wonder if anyone here can advise me... to cut a long story short, I ended up with financial problems in 2005... I moved to another country in europe and managed to arrange payment plans with all debtors. I am still paying these and have never missed payments at all... The largest debt was a nat west loan that…
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Insurance Searched on Credit file
I have just checked my credit report and it states that i have 5 new alerts. these are all searches for insurance i did in May when my car insurance was up for renewal. Does this affect my credit rating? i am trying so hard to improve my score as i am applying for a mortgage in a few months and i will be annoyed if these…
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moorcroft debt recovery limited
i got a letter from moorcroft say that there have takeing the debt i have with barclays bank i phone them up i payed thm 10 pound and sent up payment plan off 40 pound a month to be payed on the 28 off every month this morning i got a letter from them say in further to your recent correspondence i write to confirm we are…
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lETTER BEFORE ACTION RCVD. HELP!!!
Just received this in the post. Apparently I have 7 days to pay up or fredrisksons will pursue me. Please refer to my earlier thread. What should I do. Foxy47
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Advice needed. Is my CC debt unenforceble?
My CCA is with Capital One and was taken out back in 2006. I have found an old credit report that confirms the exact date. Capital One won't accept a F & F settlement and have allegedly sold debt on to fredrickson. Neither have yet supplied me with the original CCA. Is this debt enforceable? I have read the previous thread…
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Harrassment by telephone letters?
I need some advice, please? I'm writing to DCAs hassling my friends parents number for her debts (she lives at the address). Friends mum works from home, has a son at school, daughter with bi-polar (hard work to look after!) and a son with a serious heart condition. Husband has diabetes.They're a great family and the…
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Moneyshop?
I'm asking as I'm dealing with a friends debts as she's not coping. She has taken numerous loans out with Moneyshop and 2-3 months ago could not afford to pay them off so closed her bank account and opened a new one! Whilst that avoided the debt for awhile, I now have the info I need to help her deal with this, but I'm not…
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Do I have a problem
I have an agreement with Barclaycard and pay £71 a month to them. I have set up a standing order to pay them using the faster payment method with Santander. I pay other accounts to them using this and they go through no problem. I have found out that Santander have used the normal standing order method to pay this meaning…
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Student overdraft interest charges on agreement??
Hi My fiance has a barclays student overdraft which went over the overdraft limit and she got charged, the bank phoned her and agreed that she could make some monthly payments interest free to bring the balance back under her agreed limit, after doing this they sent her an agreement to repay the amount of the overdraft in…
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Please help me - equidebt Red letter
Help please.....I have been bombarded with letters from Equidebt - re an Abbey loan - today I got a red one which threatens that theier solicitors are ready to issue Legal Proceedings against me. My problem is that Yes I did take out a loan with Abbey many years ago - aboiut 8 years infact - I no longer have any paperwork…
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Oooops
Last night, just for interest sake I filled in the form on the cccs site, some of my figures did not match their, i.e. amount for food and other things.....boy did I get a shock.........:eek::eek::eek: We moved earleir this year, second time in 10 months as OH (77) wanted to come back to Scotland, since then both my o/d…
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Lost FOS appeal and now received solicitors letter
Since posting this a good few weeks back: I appealed to the FOS who have yet again rejected my complaint (I received the letter from them today). I have also received a letter from "Bryan Carter Solicitors LLP" who state: What should I do now? I also note that the telephone number given for this solicitors firm is the same…
