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Newbie - Fredrickson Int Ltd
Hi, Hope I'm posting in the right place. I've been trying to find out some information about Fredrickson International Ltd so hope you can help While on holiday last week, I received a letter from Fredrickson saying I need to call them. I have no idea who they are or what they are in relation to. There is no information on…
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SOA relating to close but so far away
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 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0…
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USA debt and UK chasing?
I am after any advice is anyone has been in this situation. As with most, I have had a reduced income which means after paying normal bills (Mortgage, water bill etc tec) I have around £50 left per month (not including when bank charges come in!) We own outright two weeks timeshre in the USA. the yearly maintenance for…
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Bank error with personal loans
Hi, I was wondering whether anybody could offer any advice for this situation. It's a long post (so sorry!) but there's a fair amount of history. I signed a loan agreement on 15/1/2002 for an amount of £15,000 with Natwest. Interest was 5%pa. The repayment term was 10 years. The terms of the agreement were: 1. Loan drawn…
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Charging order on property - Court case withdrawn
Hi, I received a letter with court details regarding Largo Law requesting a charging order on my property for a debt which is almost 10 years old and statute barred. When I went to court last week the clerk of the court told me that the solicitor representing them had been in earlier and withdrawn their case and they…
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£51000 in
CREDIT......., but by canceling am i actually damaging my credit score????? Hi I will be re-mortgaging Apr next year, so thought I would get rid of some of my credit cards and overdrafts I dont use. Remarkably it all adds up to £51000. I have just cancelled 2, reduced two and lowered my overdraft to £1000. I was about to…
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Close, but so far away
Hello, I've been told that you're lovely and helpful here (I'm hoping to manage to avoid trolls) I've put background at the top, and cut to the chase at the bottom for those helpful beans with no time to read my ramblings. I've been getting on with getting the bills paid all by myself for a while and just as I thought I…
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Congratulations Halifax
My OH has just recieved a letter from Halifax regarding his credit card. Basically the letter says: Halifax will take your payment and use it to pay off the higher interest items first :T Also they will not give you notice if the interest rate falls and just apply it straight away :T If the interest rate rises they will…
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I'm a DMP Starter, Twisted DMP Starter.....
Hi all, After building up a debt base of over £30k, which was manageable, my partner has had her income reduced by 75%. Which now means that we are really struggling to meet our committments each month. Although not missed any payments yet, it's getting more of a struggle. Anyhow, I've used both CCCS and the DAF Personal…
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Credit Account Management??
I wonder if someone can help me? I have received a 2nd letter from a company called Credit Account Managementy! The first one I received this time last year! It says I have an outstanding balance of over £1500! It says its acting on behalf of SDFS Recoveries Uk and they are appointed to manage the debt. They do not say…
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Baliff Help
Hey all. Basically my partner has an outstanding council tax payment and its been given to bailiffs to collect. We had a knock at the door today and they said they must come in to take an inventory of items, by law. I refused and told them i'd phone up their office and arrange a payment plan. They said even if we set up a…
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A start of things to come
October 5th 9:30 i have an appointment with CAP (Christians against Poverty ) they cannot see me any sooner due to the high number of people that are in debt in my surrounding area. Its great to find a site like this i dont feel alone anymore, Debt has caused me stress which has lead to me been on medication for the time.…
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Default notice -natwest card
Help Please - I have posted elsewhere to explain I am in process of setting up DMP with CCCS and as per advice have written to all those I owe explaining this and making token payments. Most have responded with letters saying will give 30 days grace. Some have sent income/expenditure forms - Do i fill these in? or do is…
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CCJ's and new utility payments...
Hi all for a start. I'm new here and was directed here by a friend for advice on this. I'm really sorry if this in the wrong forum. I've tried doing a search too via forums but I've been unable to find an answer. Basically, I'm meant to be moving into a flat with my best mates brother next week and the reference checks…
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Latest "letter" from Santander is a bit random...
I wondered what the hell it was when I saw it coz I could see yellow paper thru the window on the envelope. All it says inside is "Urgent message from Santander regarding your credit card account" and "On receipt of this message please telephone 0845....." It just seems so random to send a letter with no detail in it at…
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HFC Bank / John Lewis
Hi We have been on a DMP with the CCCS for five years. In January of this year, our creditor John Lewis spoke to the CCCS to say the debt was going to be passed to HFC Bank. CCCS changed their details accordingly and payments to them have continued uninterrupted. Now HFC are saying that some random months are missing, they…
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Credit Check?
Hi, I got my credit file up yesterday! - to try and digg some of my debts ! (I'm currently entering a DMP) However I know I have more debt's than it actually says! I have two defaults one from orange(2007) and one from vodafone(2009), I know for a fact I havent receieved and debt collection letters off them - How can I…
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loan to pay off overdraft?
Hi all,basically i was wondering if anyone had any advice on paying off a bank overdraft,the limit was £500 but it went £640 overdrawn due to me losing my job and now I am faced with the usual bank charges. All direct debits come out of this bank account and I already have another account with another bank which is £250…
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Question re paid off debt that had CCJ.
Hi all, Lets get down to business :D Basically, I had a CCJ issued against me in Nov 2008 (reasons behind it are another issue all together). That debt has now been paid off in full. I seem to recall reading that you can get the CRA entry annotated to show the debt has been paid, or something like that. So, my questions…
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Thrilling Thursday 9th September Daily chat
Okay - well trading standarsd might get me for false advertising on that title but if you don't think positive and all that... Just one challenge today... Whatever you do, and however much you dislike doing it, do it with a smile:D And one especially for BEANIE!!!! - Empty you PM box!:p
