-
Help appreciated - newbie!
Hi everyone, this is the first time I've been on here and looking for advice. I took out a hire purchase agreement with Direct Auto Finance for a car back in December 2002 and made the monthly repayments until December 2005 when I was faced with financial difficulties. I contacted the company and informed them of my…
-
Please Help!
Hi all Thanks for taking the time to read my post. Unfortunately I was a bit of an idiot when I was younger and never saw the value of having an excellent credit rating; this has led to defaults and also a CCJ on behalf of an unpaid loan from Welcome Finance. Recently I decided to take action (never too late I thought!)…
-
I hate Westcot!!
I've literally just had a very distressing phone call with some horrible person from Westcot. She was getting very irate with me and I was getting more and more upset. This is to do with another debt that they have taken over..not the one that I mentioned in another post yesterday. Basically they won't accept my late…
-
CCCS Payments
Hiya CCCS took my first payment out of my account on 10/2/11 Does anyone know what date they will or how long till my creditors will recieve the money?
-
Nearly there but not yet.Please help
Hello I was wondering if anyone can help me out.After several years now of not being able to get credit because if several reasons bad payer ignorance and the worst gambling i have nearly sorted my act out.I have now no debt as such apart from 500 pounds owed to halifax for a overdraft which im paying off very soon and a…
-
Need help with SCM solicitors/Lloyds Tsb
Hi everyone, I had an overdraft (student) with lloyds for £500, twice now it has spiralled with charges. the first time they amounted to £700 in charges which i paid of. The last year the account went over again and has now given me a total debt of £1400 which i cannot manage at all. I had a payment plan set up with Scm of…
-
Is it worth asking for the CCA info?
I'm on a DMP already, for a couple of months now. I've been doing a lot more reading and am only just learning the basics. I was wondering is it worth me asking for the CCA from the creditors? If they don't/can't provide it what are the implications of this? I've got a CC from way, way back and would be surprised if they…
-
PANICED:victim of credit default
HI. I am very paniced and scared that I become a victim of credit default. I am very upset and please advice me what should I get out of this situation. I received letters from debtor X telling they bought my debt from other Y company and asked me to make payment. But I have no knowledge of X and Y before then I check my…
-
Debt not mine
Hi all, I need some advice a company recently wrote to me chasing me for a debt of 134.00 for Next catalogue. The debt is over 9 years old. I rang them and told them it wasnt my debt so the company tried to get a copy of the credit agreement from Next but they said there isn't one but my date of birth is correct. The debt…
-
At our wits end
We have around £40K in credit card debt. I'm self-employed and the recession has hit us big time in the last 18 months or so, average earnings down £25K, so we used the cards to keep things up. Yes we've been reckless, and know its all our fault, believing the recession would end but its has got no better. We've kept our…
-
Its long and complicated! :(
Hey all! My boyfriend and I did live together but as I lost my job I moved back in with my parents so I hopefully wasnt costing him extra. The 1st SOA is mine. We share car and pet costs as we had these before I moved back home. As you can see I'm not in the worst postion or as worse off as my boyfriend (2nd SOA) but I…
-
Help Please with confusion about F&F payment
Hello I agreed a F&F with MBNA (I am on a DMP) and they accepted as long as I would pay the amount (£5860) by the 21st Feb 2011. I paid on the 17th Feb 2011 by debit card and have a payment reference. The sum also showed as ear marked on my bank account. Today I checked and to my suprise the funds have been put back into…
-
I worked some sums out
From my calculations, paying £15 (£10 a week of that is technically housing benefit that is being paid as we are currently paying a few pence over what full weekly rent would be) off a week from my Rent arrears i should be all paid up in 20 weeks time, I will then add that to what i hope the council will agree to with…
-
thanks ever so much :)
ya all who replied to me may not realise the impact ya have had in a small few words..... i went today and off my own bat ( as i waiting on debtni letter) i set up two standing orders, one for 20 per week to pay off 1k and 35 per motnth to pay off 500 quid....... they start this week. the one at 1k does not know i have set…
-
Hfo services & fredrickson international
Can anyone advise me. I have a repayment arrangement with HFO Services but am not sure how much I owe. I have stopped speaking to them on the phone as they all lie about things. I would dearly love to know how much I owe them,as each letter or phone call I get has different amounts. Some times they tell me the interest has…
-
Welcome Finance - Urgent help needed
Hi all Thanks for taking the time to read my post. Unfortunately I was a bit of an idiot when I was younger and never saw the value of having an excellent credit rating; this has led to defaults and also a CCJ on behalf of an unpaid loan from Welcome Finance. Recently I decided to take action (never too late I thought!)…
-
Can credit ref agencies give my details to debt management companies?
I've been in debt for 14+ years, ever since I turned 18 and could get credit. I cut up credit cards and store cards (!!!) about 9 years ago, and have been away from debt since then. I paid some of the debts, but was unable to pay everything, so I did the wrong thing and went into a corner to lick my wounds. I also left the…
-
Could someone point me in the right direction please
I am struggling to keep up the payment of my tesco CC, it is up to 2500:o. I am on JSA so really can't keep up all the minimum payments at the moment. Could someone point me into the direction of the template letter i could send them to maybe cut the minimum payment or to offer a token payment for a while. Thank you…
-
Yesss all my creditors accepted my self managed dmp
Wooo just got off the phone to my 9 creditors to see if they got my letters about revised payments and theyve all accepted to what i said!! Wooo so only 2.7 years to clear £5000 with £155 a month so happy thanks for all your support guys xxxxxxxxxxxx
-
Defaults nearing 6 years expiration
Hello, I have 4 defaults nearing the 6 years expiration date (I was at University when these 4 agreements defaulted, but since has really cleaned up my finances!) Now, I know that after 6 years defaults should 'drop' off, however I have for about 1 year been making payment to one defaulted agreement (a HFC Loan now under…
