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Hamptons Legal/ Red/ Lowell Letters Please Help
Hi there i have today received a letter stating: Red and Lowell have asked us to recover the debt. We have a copyo f your credit file which will allow us to asses your circumstances and help us make a decision on how to recover this debt which may include cout action. Unless payment is made in full or an arrangement is in…
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Experian Credit Check
Hi, Just signed up to experian free credit score check. i got 999 which is pretty good :) i am happy with this score, i do have some credit card debt but have never missed a payment or been late. Will my score change or is this accurate (obviously it will change if i get into more debt) but i was just concerned that it…
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How to deal with this?
Hi chaps and chapettes. I posted a thread in the home energy foruma and was advised to post it here as the company in question are possibly breaching OFT regulations... This is my situation:# We moved into our new home on the 14/02/2011 We previously received a letter from LCS on behalf of E.0n advising us that there is an…
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Postal Address To Give To Creditors
Hello all, I am new in here so excuse me if this has been asked already; I have recently moved out of a house I was sharing with my partner (they still live there) and my mail is being forwarded via Royal Mail to my new address. I have not updated any of my creditors with my new address. I have quite a few creditors and…
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can I overpay on monthly loan payments
We have a loan with santander have had it for awhile and am shcked at how much is still outstanding. We have all cc s at 0%and wonder if its possible to pay off a big chunk off it for next 3 months to clear it and minimum on cc's. oh says its not possible but thought you clever folks might know more (he said we would'nt…
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Catalogue accounts...
How do I close them? Ive been on equifax and have some accounts with catalogues that I no longer use and their is zero balance on them. They are showing as inactive. How do I close the accounts?
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FREDRICKSON INTERNATIONAL.....(again)
hey guys....right fredrickson international......i also got a letter from them for a supposed Orange mobile phone debt....i`ve been with O2 for 10 years .first phone call they made i didnt know about the debt and spoke for a couple mins.....that was a couple months ago. since i`ve had 22 calls to my mobile (thank god for…
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Statute barred in scotland
Hi everyone this is my first post! I hope someone can give me good advise. I live in scotland and the rules for statute barred are different it says 5 years from date of last payment on any debt. Or is it from when the account started? Secondly I have two debt collection agencies chasing me for money both last had payments…
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HFO
Hi, After a week of HFO ringing my phone claiming that I owe Barclaycard over £4500, which I never had today I received a letter from them! I Understand that this may just be idle threats and states in there I have wait for it 3 days to initiate payments! Goes on about getting a warrant etc to seize my goods! I have looked…
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Anyone know of "QL"
I've got an answering machine full of messages for me to call them "urgently", but I've no idea who they are. Their phone number is 01789 473734 but a google search on that number doesn't come up with anything. I'm assuming, given the number of calls I'm receiving (while I'm at work so not likely to be answering the house…
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Being chased for debt from 1999
Towards the end of last year, I received a letter from a debt collection agency, for around £250. On contacting them to find out what it was for, they advised me it was for Littlewoods catalogue. I asked them to look into it further, as I felt this had been paid in full. They have just called me back today, and have…
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Statute barred - by email
Is it acceptable and advisable to email the statute barred letter to DCA by email? Thanks
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OMG I want to cry!
I had my LBM a few weeks ago and ever since I seem to have a calculator permanently in my hand doing a variety of sums - calculating bank balance, calculating possible savings, calculating this that and the other. THEN yesterday I added up my monthly outgoings to CC and Loan multiplied it by 12 and realised that I was…
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Sat 16th/Sun 17th April - What small DFW things will you be doing this weekend?
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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Affect of full and final settlement on Credit Score
Hi all, I have been paying a debt management plan for almost 3 years, total debt was originally almost £22,000, it's now down to around £10,000, and I have around 2 years left to pay on it. For the 1st 2 years I was paying £350 per month, last year I put it up to £450 per month, as I am now earning a bit more. My parents…
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i really need help :(
dear friend, please help,for god knows how many months i've been paying mbna credit card £150 with interest now at £132.71 :( i have just received a statement stating min payment £204.60 credit limit £14,900 new balance £7,321.94 :( this all started quite sometime ago, for quite sometime i was paying minimum, later needed…
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Debt Help!
Hey All, Looking for some advice for a freind. He has recieved a warrant of execution today for a debt outstanding to Black Horse. The original debt was £113.08, now with this warrant the amount it now £645.33. He has to pay the full amount to the county court by 19th april, would this amount be the £113.08 or £645.33? Is…
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Where to start please .....
OK. Below is as honest and accurate as it's going to get. On 31.4.11 we move on to a lifetime tracker mortgage with the Woolwich which will be .95% above base. Short term we intend to stay with this and pay off some debt and see what happens with the BOE rate. All CC are on long term 0%. I guess we need to know where to…
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Roxbrough, HFO and 3G Debt collecting
Hello there, This is a long story so you might want to make yourself comfortable. It all started in Sep 2004 when I was attacked very badly and had my phone stolen. I was in hospital for a couple of weeks. My mum rang 3Mobile to inform them that my phone had been stolen. They never got back to me so I assumed it had been…
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How can I move a thread to DFW ??
As title please.. TC1 It's one of my threads if that makes a difference..
