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Mackenzie Hall...
I received a card from them this weekend at my parents address. I recently moved to holland but i dont have a job yet so i have £0 income at the moment. I don't want to phone them if they are as bad as people say, and i also have no idea what this debt is for. I have no idea what to write to them, and if there is some way…
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Fredrick International Limited
Does anyone have any experience of this DCA? thanks Foxy 47
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DCA refusing to accept a F& F settlement!!!
Fredrickson a DCA reckon that they now own my debt (I'm still awaiting proof of this in the form of the original signed CCA). Meanwhile, I have told them what I have told Capital One that I am willing to settle the debt on a F & Final basis offering them 50% of the balance. They have refused, and claim that Capital One…
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mnba credit card illness
I am writing this on behalf of my mother.She has an mnba credit card at £2500 debt, due to her giving up work she is struggling to make the minimum repayment.She has had this card for 6+ and i have an additional card 4+(which i only use to buy concert tickets).my mother has manic depression with phycotic episodes, this has…
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New week, new start Daily Chat 12th July.
Morning all. I think a few of us need to have a fresh start this week. Kayleigh, I hope the visit to the police station goes well.
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Good News Equita Bailiff Fees
Well after about 2 letters and countless emails querying the £150 Attendance fee Equita have accepted my payment for the PCN and cancelled bailiff action and "associated fees". I did also write to my local MP and Birmingham City Council and forwarded the emails to Equita and to be honest this I think it was the MP letter…
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Really Need Some Advice - Scotcall
Hi, Got a letter in on Friday from a company called Scotcall who issued a Door Step Collection Notice...now I'm really panicking! It has been passed to them from a company called Capquest who I have written to several times to offer to settle the account at a reduced amount. I have been in contact with them for months…
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Santander Bank statements
trying to get out of debt its important that we keep up to date with out bank statements to check what's coming in and going out of our account. alliance & leicster online banking used to say what all dd's were for ie Axa Insurance £56 but, over the weekend its changed to santander and now the statement doesn't explain…
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Credit cards debt
For four years I have been paying £1 p/m to 2 credit cards where I owe £10,000. I had had the cards for years and years until I lost my job and started running up a debt which was supported by increased credit limits. Eventually I rang CCCS and told credit cards I was stuck. It took nearly a year for interest to be…
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Monday 12th 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…
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My Situation
Apart from the £Thousands I owe my parents... My Credit card debit is currently: Egg (16.7% or so)- £2,446.17 Barclays (0% until December 2010) - £4733.16 Total - £7179.33 I have an MBNA card with a 0% Interest deal waiting for me but I want to save that for my largest debt so will obviously wait until Debember and then…
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DMS Capital Recoveries
Hi all, Had a letter from these people with regards to a flat I shared back in 2006. They are claiming £2193.06 but the client name is Terrace Hill which is not the rental company I used to deal with. They have failed to address the letter correctly 'Miss S Sarah' as opposed to 'S Hazeldine' and I have never once been…
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Weekly Spend Challenge W/C 11th July 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Can we contest a CCJ?
Hello all, I'm hoping someone can give me some advice. We found a CCJ on my husband's credit report that he had no knowledge of. It is from 2007, and I am assuming that they sent the paperwork to an old address of his. I have written to the court today to ask for details of the case - does anyone know what the possible…
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Seriously confused!! DMP/Bankruptcy/payment plan...
As the title suggests, I am seriously confused! Last week I did a joint CCCS debt remedy with me and OH, combining all debts (approx £25k). It suggested DMP, which would be completed in just under two years. Out of curiosity, I did seperate ones for each of us today, and as OH only has just under £3k in his name, it…
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Dmp
Just wondered do any of you know of anyone who has had their house taken as a result of being on a DMP? Just considering all options at the moment. Thankyou.
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Equita Bailiffs
I'm after a bit of advice please. My mother has just received by hand a Bailiff Removal letter from Equita which said the following: "I have attended today with the intention of removing your goods and chattels as are necessary to discharge the outstanding Council Tax Liability Order and any additional enforcement costs…
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£50k debt please help me - I need to get my life back in order.
Posts £50k debt please help me - I need to get my life back in order. Hi and many thanks for reading. To cut a long story short I was in a relationship where my ex partner and I got into a high amount of debt, initially this was due to living beyond our means but then the credit was used to live on and in fairness to…
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How much? - Where to start?
Hi, Well today is the first day of my new life which is all about sorting out the financial mess that I'm in....I came across this site last week after I'd stupidly fallen for a scam loan company and I'm hoping that it'll be able to help me get myself on the road to being straight again. So, I've looked through numerous…
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Hi new on here/ advice appreciated
Hi im new to this site so hope Im posting in the right place. Sorry if I havn`t. Thought Id post on here and join this site as really need to take control of my finances. Ive read a few threads an its inspired me to do something about my situation. Im very good at being an ostritch about a lot of things and money is one of…
