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Aaaaarrrrrrrrrgggggggghhhhhh
AAAAAARRRRRRRRGGGGGGGGHHHHHHHH. (is how I feel)
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LLoyds TSB Out of the Great Blue Yonder
Hello The Lovely Postman(Bain of my Life) has just delivered a letter from LLoyds TSB saying they have accepted my proposal to pay £38.91 for 6 months I did have a DMP in place with them for 9 months due to end November but I was just getting around to resending my statement of account and start up negotiations again but…
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Scared - Help
Hi I have been really stupid and wondered if you can provide me with any advice. My story as is follows : I have debts of around £27000 and started an informal agreement with Spectrum Financial Protection based in Keighley Yorks 5 years ago. I have been paying a nominal sum to each of my creditors for that time. I was…
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1st credit becoming a nuisance, lcs solicitors involved now
Hi guys ... I have just found a letter dated the 20th September, from LCS Solicitors on behalf of 1st Credit saying that I have 7 days from the date of the letter to pay in full (for a debt that I am sure my partner paid for me years ago, and that the original debt was taken out just over 5 years ago) or they may start…
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BHS Credit Card - Not taking enough to cover minimum payment
Hi All, Please can someone keep me right, I have a credit card from BHS underwritten by Barclay card, Two months ago my statement came in saying I was over my limit, I didnt understnd why. So I checked the statement to find that they have been charging me over limit fee for 4 months, stupid me I know should have…
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Once I click proceed............. ?
Hi All Once I click proceed on the CCCS website, how long does it take to set everything up usually? What is the process? Are the CCCS okay? Thanks in advance.
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Reliable collections.
Hi there. I am hoping for some help. I am having money problems - ongoing.... and I have a BIG problem with simply be/reliable collections. The short of it is I owe them £1516 - over half of this money is in late payment and admin charges. I have tried everything to get them to take the charges off but they will not budge.…
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Success with Aktiv Kapital, but...
So a week ago I sent CCA requests to Aktiv Kapital about two Barclaycard accounts. On Friday I got letters back saying they "do not hold the documants as they are not the original creditor, and Barclaycard have been unable to provide them upon request. We will now cease all further collections activity in regards to this…
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Joint Debts Advise Required
Hi, me and my partner have split up and we have joint debts (loan, mortgage, secured loan). I was considering bankruptcy before we split, and would like to know what happens if one person declares bankruptcy but not the other in relation to joint debts. After mine is served will I be released from liability from the debts…
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Creditors Addresses
I'm just writing to my wifes creditors and realised I don't have the addresses. Does anyone know where I could find a list with the appropriate addresses on them?
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Sunny Monday 27th Daily chat
Good morning :D I woke up this morning to a lovely clean house!! Dh even sorted the kitchen out and put the dishwasher on before he went to bed :) The living/dining room looks fab!! Clutter free :) well almost (need to sort craft boxes out) all I had to do this morning was straighten cushions :) I washed a pair of curtains…
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Monday 27th Sept- 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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Can someone explain defaults & statute barred?
Hi I have a default from May 2005. From reading on here I think that means it will drop off my credit file after 6 ys. What exactly happens? Does the default just get taken off & the amount owed still show or does the whole debt drop off? Also, I reclaimed charges in early 2006 so i think that means it will become statute…
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Credit Report Info Required Default - "Settled"
Hi, just did a credit search on experian (£20 cashback from quidco for free 30 day trial) and saw a status for two of my accounts that puzzled me. History Last August I voluntarily allowed northern rock to repossess my House. This was duly sold and due to the property prices dropping there was money still owing ~12k. I…
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Don't know what to do!
I recently re-mortgaged to consolidate my debts, however i have made a major stuff up. Due to circumstances in my personal and home life i have been gambling online and now owe around £15,000 on my credit cards as well as my mortgage of £152,000. At the moment i can just about manage the minimum payments on my cards, but…
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MDB .. 1st debt letter
Hiya In need of advice for a newcomer I received a letter from Mercantile Data Bureau Ltd who have been instructed by Hillesden Sercurities for the recover of debt Original debt £190.... now with charges £380.... 100% interest! Can I get these charges reduced? I have not had contact with any company regarding this debt.…
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Quick question
Does anyone know if a creditor will take action if you pay less then minimum payment? Halifax still havent received my SOA and no matter how hard I try, I cant get through to CAB, have also tried writing but to no avail. (A friend went to that branch and apparantly it isnt there anymore?) I have been paying them the £12 a…
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Payday loans advice please
Hi we are up to date on all our debts but have got in a mess with 2 payday loans. We have taken advice and changed our bank account so they cannot take this months payments. We owe £375 on one and £605 to another. Whats the best way to communicate with these people. Are we realistically likely to come to an agreement…
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Any help appreciated
Hi there. I am looking for some advice. I have been in contact with the ccc and have an appointment with citizens advice in the morning, but any more advice relating to my particular circumstances would be welcome. I am self employed and have struggled for five years. I used CC's in my name to support the business and my…
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**Notice To Newcomers ~ Re: Trolls ~ part 9!**
Ooooh.. shiny new thread!!..... Has to be time for one of these......
