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Sent letter requesting CCA, what next? Please help!!
Please may I ask your advice on my debt situation. I have been in a Debt Management Plan for 2 years with a company who was charging me £50/month for the privilege. I now know that I should have gone with a company like CCCS but hindsight is a wonderful thing. At the beginning of this month, I decided to take matters back…
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PayPlan
Hello Has anyone out there used Payplan i found them on the direct gov website which is a good sign. They manage you debt and write to your creditors to get interest frozen you pay them and they distribute the money like all other sites out there difference is they don't charge you anything. I call and made an appointment…
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please help PLEASE..
right, got myself into a total mess, have an o.draft limit of 300.00 am now overdrawn by 500.00 i dont even want to think how much this is costing me per day - not allowed to increase my limit. Am off work on the sick, so currently on ESA of 102 per fortnight, i dont know what to do... Please someone tell me..my head isnt…
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Interest charges, late fees, etc, etc (Barclaycard)
I am trying to get my debts sorted once and forall this week and have a credit card debt with Barclaycard that was initially £1000.00. I advised them (along with other companies,) in 2009 of my change in circumstances (losing job, then me and dh split,) you know the story, and requested that they freeze all interest…
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Sample letters
Can someone point me in the right direction for sample letters that i can send to Fredrickson please? EDIT - Prove it etc
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Sample letters to request a copy of credit agreement?
For some months now, I have been getting letters off Moorcroft Debt recovery for a debt I have no knowledge off. I have in a kind way asked for further information, but so far, they haven't provided me with anything, other than harrassing letters every week and now they are threatening litigation. A friend has told me…
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How long is too long - what next?
Hi, I am posting on behalf of my partners son. He had a loan with HSBC which for one reason and another has been passed on to Metropolitan Collection Services Limited. They wrote to him back in late Dec 2010 and again in January he responded with a letter (7th January 2011) that I'd found mentioned on here asking for a…
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lowell asking me to clear debt that is not mine
Advice appreciated, I have received two letters from a company called lowells advising me that i owe £300 to O2 for a mobile phone debt in 2008. These letters have arrived within days of each other and have my first name on them,one also has the correct initial of my middle name, but a strange surname. I have had house for…
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iqor wont stop calling for paypal/ebay
Hi - I keep getting get phone calls from a company called iqor who stated that I owe £46 to paypal but when I ask what its for they refuse to answer, This has made me suspicious so I asked them for proof of what I am suppose to owe the money for! The annoying thing is that they did sent me letter(after lots of calls) which…
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Card versus cash debt free diary
This is my soa. I am a single parent of 3 children and work 30hours. I always worry about money and usually run my account in an overdraft. I had an ex who also has a share of 35% of house equity when my youngest is 18 (14years time so I am keen to be debt free and overpay my mortgage)I am not repaying legal aid till…
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Wednesday 23rd Feb - 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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LTSB and SCM
I've been passed from LTSB to SCM solicitors for my debt, with LTSB, I have 3 amounts of debt 2 account o/d and a c/c. I recently used to have an agreement in place on all accounts, but it fell through as I wasn't able to reach the branch after having baby in October. Since xmas I've been trying to put it right again sent…
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Hi All
Dont Know were to start really. i have been a closet reader of this forum for a few weeks and thought its time to take my head out of the sand and confront my debts. Any help and advice truly appreciated.Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 4 Number…
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usenext scam cci
i just relised they a scam and i forgot to cancel account as i been to busy and i payed by paypal but i cancelled so they couldnt try take payments. which they been trying to take money and i read on the net even if you cancelled in the 14day trial you still get charged and if you dont pay after a year they get cci…
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CapQuest Tactics
Last Thursday (17 Feb 2011), my elderly mother's neighbour received a telephone from someone claiming to be from the "DVLA" who asked for personal details about my mother, wanting her phone number, etc. The neighbour declined to give out my mother's telephone number, and instead gave her the address and said the "DVLA"…
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Finally asking for help....
Hi I'm new on here after a friend of mine basically told me I had to have a look (although I've been getting the MSE emails for a couple of years now). Basically I owe in the region of £5K - this is the amount of money that my wonderful Mum has given me to pay off two credit cards and my overdraft. I'm going to be setting…
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Moorecroft Debt Management (MDR)
Good Evening Everyone, I was just wondering if someone please give me some legal/debt advice. MDR have rang my parents mobile asking to speak with me, my parents asked who was calling and asked how they got their number and the lady said "Oh you son must have gave it to us", I have NEVER given out my parents number before.…
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all you people
all seem so very nice and understanding, i have hidden what seems with reading many here quite a small debt in comparrason to many. i just feel so bloody stupid about fiqures and percentages and i almost took an offer from dpm i think they were called untill i read the forum here. i seem to not be able to organise priority…
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repossession
Hi, Does anyone know anything about Home Management Services in Swansea? Are they any good? Many Thanks Chris Hanna
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not had court papers?
Hi, just recieved a letter from the court saying that baliffs will be sent if i don't pay the amount they say i'm in arrears with for a ccj....i have had no court papers so have'nt a clue what i was supposed to be paying. What do i do now? Worried that the baliffs will turn up on our doorstep!
