-
letter to hsbc need the address
hi i have to send a letter of complaint to hsbc about them still adding charges and interest ,i am on a dept management plan and they are charging more than i can pay them,i have to send it recorded does anyone know where i should send it? many thanks
-
Egg on my back.
Having checked my Egg CC statement it said £130 available. Robbing Peter to pay Paul I had to use this money. A few days later Egg contacted me to say I was £65 over my limit and that they wanted payment straight away. I explained what the statement said but was told they had since added interest and it is down to me to…
-
Creditor says there's no CCA: DCA on my case.
I requested CCA the 12+2 thing disappeared months ago, and received the below letter but now have BLS jumping on my case. I can't find a template to answer. Should I use this response for what now appears to be an unenforceable ac? Thank you for your recent letter dated xxxxx requesting a copy of your Credit Agreement. Our…
-
Credit Card Debt shuffle - any suggestions?
So here's my situation. I've run a up a bit of debt recently and i now want to get it all nailed down and under control. I was thinking of getting it all on 1 life of balance credit card at a low rate (MBNA - I already have a barclaycard and halifax card which are the 2 best buys and not sure i can clear in 3 years). I…
-
Help! seriously stressed out and worried by debt
Hi, I know there must be lots of posts similar to mine but i really could do with advice.. I am a 28 year old woman, on a low income (approx £150 per week) working part time irregular hours at a university (term time only). For the last year from July 09-10 i was a full time student. To cut a long story short I have what I…
-
Sell, Sell, Sell
Hi All, This is my first time posting so please be patient :j I am so desperate to get debt free within the next year......I am trying everything to make this happen! I work full time 9-5 and I am an AVON Sales Leader and I also sell everything I can on eBay. Working as an AVON rep I have masses amounts of AVON brochures…
-
HELP: Involuntary Court Deduction???
Hi Guys, My partners as received a £54 deduction from her wage this month on the payslip it says involuntary court deduction and I aint got any idea what this is for we have received not letters or nothing whatsoever and as far as im aware we dont know anybody anything. I dont have anything on my payslip. What the hell can…
-
Paying off a credit card, then spending again?
Hey guys, hope this is the right place to ask this. I'm a student with a £1250 maxed out overdraft and have a credit card with a £500 limit, also maxed out. I will get my student loans soon and i was wondering whether to pay off the credit card, then spend on it again, or to just spend the money, as is. I can't afford to…
-
DMP experiences
I am just at the first stages of setting up a DMP. Was wanting to know what interim payments to offer whilst DMP is being set up and also the length of time the DMP will take to set up. The paper work will be sent to CCCS this week. I would also be interested to hear about peoples experiences of DMP's i.e Which creditors…
-
9 year Debt
9years ago I was in an abusive relationship, young an nieve an my boyfriend pursuaded me to apply for a credit card and only get £200 to guarentee that I would get it. Not only was this but everything was put in my name, very crafty an clever of him I know. I. Did leave him 8 years ago and got lumbered with all the debts…
-
I've come so far
Hi. I just wanted to let you know about how my attitude has changed since my LBM last month. On Wednesday I had a missed call on my mobile from my Provident agent. I called him back as I thought there may be something wrong but all he wanted was to offer me a loan for £800 plus £608 interest:eek::eek::eek: to pay off the…
-
Family debts
Just a quick question. A family member lent me 1500 a few yers back to pay off some council tax arrears ( and charges from a DC who "couldnt" find us), can i add this to a DMP?? Im not currently paying it back, but as im going to try set a DMP up to pay all my debts i was wondering if i could also add this.
-
CAB debt help?
owe quite a few companies who have turned them over to debt agences, one EQL wont stop calling. Went to CAB about 6months ago and they told me to get a credit report and come back. The woman said something about a £1 a month but she didnt really know what she was talking about and admitted to that so I didnt have much…
-
A very hard lession to learn
I really could do with some advice!! I took stupidly took out a credit card in uni in 2004 as my ex partner was working for them at the time. I had no intention of using it but he took it and used it, when I found out I was very angry but he told me he would make the repayments..he never did, the last payment made was in…
-
I'm depressed but I'm happy
I've finally done the blitz and got the true picture of the debts and how I can pay it off within my budget. I've been unemployed for a while and put this off until I got a job, as I couldn't really do anything about paying off the debt. I got a decent job recently, but feeling a little down that even with my salary it…
-
has anyone had dealings with groundwell debt recovery?
Last year I stupidly agreed to a 14 day trial of a book from bca online, they sent me the first book for free then the second book to pay for. A week or so later I received the whole collection of books which I decided I didn't want and I phoned bca to ask them to collect the books. I few weeks later the books were still…
-
Lloyds TSB Harassment
Hi guys, not sure if this is the right section for this, forgive me if it isn't. I'm after a little advice for a friend, he took out a loan with Lloyds TSB in 2008 for a car... and about 3 weeks later was made redundant! He tried to claim on the payment protection but they refused to pay out as they stated something about…
-
Here we go....
I have been looking at the DFW board for a little while as I knew that I would eventually get here at some point. I have a really rough year but managed to rescue my business. I have lost a lot of equity but will recover a majority when I am back in profit. Now that the business is sorted, I need to sort out my own…
-
Need a little help re: wife and debts
Hi Everyone, I am asking for a bit of help on behalf of my student wife. Over the last 3 weeks I have given her almost £2000 towards her debts, including a massive delinquent phone bill. It is fortunate because I can just about afford it at the moment. However all this money I am giving her was partly towards a new…
-
Which Bank
Hiya, I have looked at the other boards and not sure where to place this question ? I am looking for a new current account account, credit rating is shot to death. I am in no hurry to move banks but from what I have read, my bank account not the best. Stuck with it as I thought I would just get the same sort of thing all…
