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bank no willing to play ball. hike credit card
Just been onto my bank again, WHY do they insist on screwing us for more cash? the advisor says that FSA "suggested" that banks sould increase the APR in order to encourage us to pay off our debt a lot quicker. from my previous posts I am in serious debt etc and am struggling big time. disp icome is minus and I have posted…
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Does an unpaid default/ccj stay on your file forever??
Hi all, I have extremely bad credit history from years ago. Does anyone know if an unpaid CCJ or default stays on your credit file forever until its paid off??
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How to avoid creditor phonecalls?
Ive just missed my first payment of what will likely be many. i want to communicate with creditors in writing only. i dont want them calling as other people live in the house and i dont want to have to change the phone number. I will be going on a DMP soon but I will be starting to miss payments this month. Do you think…
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please can anyone help?
Got a letter from northern rock to say they have accepted my new revised payments as set out by my dmp but i see i'm still paying ppi on it but surely that cant be worth anything. I got in touch with the dm team who told me i should cancel it. if i cancel it will i get anything back? or will it just stop. I've looked at…
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Some advice for newbie please?
Since I'm new here, I'll apologise in advance if I get things wrong! Bit of back ground first. Things were going fine until about a year ago when a combination of things, including, firstly, reduced wages, then reduced hours, loss of second part time income etc etc, pushed us really close to the edge of our already…
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Releived
I am new to the site I only joined today but after reading some of the posts I now actually feel really releived and don't feel like a freak ! In the past 7 years I have managed to rack up nearly £30k in debt and have nothing to show for it!! Credit card balances where paid off by personal loans and it just kept going.…
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Please help I'm terrified of the bailiff
Can someone advise me.. Have just experienced the most terrifying hour, as been visited by an Excel Certificated Bailiff who is attempting to remove goods for an unpaid parking fine of my husbands. The amount they want is £705! and i simply do not have it. he was screaming at us through the letterbox and kicking the door…
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re; posting for advice plz
we sorting it out
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Debt Arrangement Scheme - Advice
Hi there This is my first post and was just looking for any advice re Debt Management Scheme (DAS) which is different from a DMP. Can anyone recommend this? I currently have around 20K unsecured debt. I was looking at a DMP with Payplan but believe there is no guarantee they can stop interest. My understanding is with a…
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DCA Threatening court action- advice need please
Hi Guys. Originally applied for CCA back in 26 May 2009, (Still no vaild CCA) since then the account has been in dispute. They passed it onto Moorcroft Debt Recovery Limited, who have been pestering me with letters etc. Today i receieved a letter from their Pre-Court division. Stating: " We have been intructed by Barclay…
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Lovely Egg
I got a lovely email from those nice people at Egg today. Having maxed my card out last weekend robbing Peter to pay Paul they have assessed my account and kindly put my interest rate up from 21.9% to 26.9%. Very kind of them saying I have never missed a payment. Talk about kick a man when he's down. They have however…
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Credit File help
I recently noticed that Capital One had placed a default on my credit file last year (I have been paying them through a financial company who pay my debts and I pay them), apparently the financial company switched my account to a long term one which meant Capital One issued me with a default! Anyway, I contacted Capital…
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please help...csa debt.i am at the end of my tether.
Thread Stats Views: 0 W W Factor Coming Soon... Share This Thread: Share .fb_share_no_count { DISPLAY: block !important}[URL="http://twitter.com/?status=https://forums.moneysavingexpert.com/discussion/2709629[/URL] I have been battling with the csa for my husband who is a nrp.He has had a deduction from earning order in…
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Fredrickson international limited advice please
Hi I recieved a letter today from Fredrickson stating Dear ... we have been instructed to collect the outstanding balance on the above account We have made tracing enquiries for conformation of your current place of residence and information has been recieved confirming that your address details have changed to this…
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Template to DCA
Hi All Can anyone point me in the right direction of a template where it explains to a DCA that we cannot increase our payments ? They have written and given the usual "we have completed our review and your payments will increase from x amount to x amount.. Thanks in advance
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Urgent Advice needed please
Last month (13th to be exact) phoned and made payment to DCA, he then asked me if that was the card that payments should be taken from and I specifically told him no as payment will be made from a different account. Well today have checked bank and they have taken out a total of £100 one £50 and 2x £25 payments. As I…
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Help needed with Regal Credit Control
Hi all, Thank you for reading my first post. I recived a phone call on saturday evening, from Regal Credit control. Ref to a unpaid insurance fee from Quinn Direct which is almost 10 months ago. They have demanded that i pay the debt within 7 days, or they will take me to court or send someone round my house. (Which i…
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Cannot get credit...
I am seriously puzzled, to the point where I think there must be a problem, I have applied for a 2/3 things over the last few months one was a loan to consolidate debt, the other was a credit card and more recently I need to obtain a lease car for work purposes due to a change of job recently. All of which have been…
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Help with Default Notice
Hi Guys, I've trawled the forums and can't seem to find this anywhere so here goes! Over the last 4 weeks I received 2 letters from Aktiv Kapital claiming that I owe a debt that I defaulted on in 2007 I did nothing with these letters, opting to through them in the bin. Only today, I've checked my credit file on Experian…
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Need you to pull my new SOA apart
:o Re-checked everything, made some changes and some provisional changes. Would like to see what else we may be able to cut back on. **Before i post up - the 'other income' is overtime at £500 as this is OHs aim per calendar month. See 'Overdraft 2' payment is set at £430 (£30 interest, £400 overpayment) - the £400…
