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Should I be worried about Metropolitan?
Hi Just had a really strange phone call with HSBC. I'll fill you in with the background first. My OH has a credit card debt with HSBC, as do I. Anyway, this is regarding the debt that the missus has. We advised them (HSBC) that we couldn't afford our minimum payments so made token payments. Sent an SOA and offered them the…
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CCI LEGAL Please help.
Hi, A brief history. I am serving in the forces and left Gemany in June 2008 as I was posted back to the UK. Prior to doing so I cancelled my Deutsch Telekom services by letter which had to be signed by a officer confirming my posting back to the UK. All went swimmingly until around October 2010 when I started receiving…
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IQOR now pass to geoffreyparkerbourne please help
i had a setup a payment plan with iqor and sent them £20 which on the ltter said to be with them for december so i sent on 17th dec , they said they wud send me blank giros and nothing come so i missed payment 2nd payment because i had no blank giros, letter now come this morning gpb SOLICITORS i am so worried what will…
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CCA to an address abroad
I am living in Ireland, having moved from the UK. I want to request a CCA from a creditor that I haven't yet given my new address to. On my letter requesting the CCA, should I write it as from my UK address (the property does still belong to me but has tenants in it) and it will be forwarded to me as part of my mail…
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Moorcroft chasing me for mystery debt
I have had a letter from Moorcroft, absolutely out the blue, claiming that they are acting for Virgin mobile to get £55 out of me. I am on a DD payment for this mobile, it did get a little screwed up when changing bank accounts but I made card payments and have not heard a thing from virgin. I check my statements online…
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DMP question ... capital one want my "real" signature?
i sent off all my paperwork to cccs and my creditors about 10 days ago and today was the first long anticipated bit of correspondance i had in the post ... i had a letter from cccs stating my direct debit was set up, which i know isnt the end of it and mearly only the beginning of a long slog but just getting that letter…
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QuickQuid/Mackenzie Hall advice for a newbie
Sorry for the long, long post - I'm an MSE virgin. I would be grateful for some advice regarding a DCA who have contacted me recently. Last year I took out a Payday loan with QuickQuid. My circumstances changed as my partner returned to University full time – my salary covers the rent, bills, car costs and food with a…
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RBS overdraft debt. Concerned and not sure what to do
During my time at university i made some poor choices in regards to irresponsible borrowing. 18 months after completing my degree i still owe nearly £3000 on an overdraft with RBS as well as £1000 on a RBS Credit Card. I have been receiving letters and phone calls from a company called Triton credit services (i looked them…
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Q about missed payment markers
I missed some payments on low balance credit accounts between 2008 and 2010. The late payments were on accounts with no more than £200 balance. I missed single payments on 3 accounts (one credit card and two catalogues), and three months in a row on the two catalogues. All the accounts are now settled. How long will this…
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7 months on....
....and 3k less in Debt. I'm not very good at posting but regularly come on when I need inspiration. I am not paying off at the rate I would like, but I do feel like I'm making good progress with paying off debts although must try harder!!! £3k in 7months and hopefully more over the next few months as our fixed rate…
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Debt Issues
Good Afternoon Folks, I'm relatively new here, I have quite a few outstanding debts all which I've really ignored and I've fallen into the minimum repayment danger. It seems I have the following: HSBC Credit Card - £2600 @ 15.9% Egg Credit Card - £2100 @ 19.9% Post Office Credit Card - £1500 @ 19.9% Barclays Credit Card -…
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Update on my self-administered DMP
Now we're getting some results, I thought it might be useful for others to post our progress. £55k debt on lots of credit cards. The results so far: MBNA - no response yet (haven't long sent the letter though) Halifax - accepted reduced payment, reduced interest to 6.1% Capital One - responded asking to see statements and…
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I love this site and heres why .............
..............Last night I had a door step visit from a certain high street bank, who I believe from other threads have been called C**pWest. For once I had the power to know my rights and deal with it, and thats all down the this wonderful site:money:. I have two accounts with C**pWest, a step and a current account, I had…
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Reduced Settlement of Credit Card – affect credit score?
Sorry, also posted this on the "Credit Cards" section - not quite sure where it should be since its about Credit Cards, but also about me trying to become Debt Free! Wondering if anyone could offer some advice so I can decide whether it is worth investigating whether Credit Card companies would accept an early lump sum…
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Can I get a reduction if I pay off my card debt in full?
I am soon to be in a position where I can just about afford to pay off all my credit card balances in full (from the proceeds of a house sale). I know from previous experience that once you are in arrears and on a payment plan, lenders often offer a reduced settlement figure to try to get you to clear the full debt,…
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Debts And Credit Rating
Hi, I'm hoping to clear off all my debts by the end of this year. And staying debt free, maybe using and paying off cc each month. Because we are looking to move in 2014 once fixed rate ends, will my credit rating have improved by then? I've just stupidly managed to put two searches on my file while applying for one bank…
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Really Worried
Ok decided to post chrsitmas have a look at my finances and was absolutely shocked that I am in the situtaion I am, never done a budget before I came on those website. Just spent and spent and spent. Had no idea of the financial situation I was in. Now that i have totalled them all up I am really, really worried. Filled in…
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Mkrr ????
Hi All. Could someone give me some advice please. I have received a letter and countless phone calls from MKRR stating that they are collecting a debt owed to Shop Direct Finance who I believe are Littlewoods catalogue. They say I owe 15pounds dating back 5 years. I have no knowledge of any money outstanding to them. They…
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Need a bit of help
I recently did a money transfer to clear a halifax OD which I was paying £62 per month on and the debit balance was not reducing. I thought this MT was on 0% until 12/11 however I have found out it wasnt and I will be charged at 20.6%, (still thinking i am better off because at least the OD is cleared and I now pay capital…
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Six months on my progress on dmp
Hi all, just wanted to post how I've been getting on doing my DMP, I currently pay £605 to C.C.C.S ON A £66,000 DEBT:eek: I came on here in dire straights and felt so alone/desperate...feeling ill all the time. That feeling is comming back as the job i do my hours are being cut and I live to the wire now. Do people out…
