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New DMP but two creditors refusing the payment
Hi, Hope I'm in the right place. My husband and I recently set up a DMP with CCCS - first payment in May. For the first time in months I have been less stressed and worried - until today when we received two letters from CCCS saying that both NatWest and HFC won't accept the offered payment. What do we do now? CCCS say…
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F&f offers
What are the rules when being offered these by the dca my friend has been offered many over the last few years some of them very good ie one was £125 for a £845 debt . what do you need to confirm with the dca how do you no they will not sell the rest of the debt etc etc.
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Freedom of information to Credit reference company?
Hello, I was wondering if anyone has ever approached a debt collection agency with a freedom of information request to establish how much they bought the debt for by the original creditor? Whilst i don't mind repaying what i owe, i refuse to repay a different company a full balance when i know they will have bought the…
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ccj not enforced
How come when you watch a show like cowboy builders etc you see people who they find have numerous large cj against then they are not insolvent but are still trading and no attempt to get the money is being made , whats that all about?
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Am I in the right place? Had my meltdown moment.
Hi everyone, please be kind. My husband and I both have ok jobs and reasonable incomes but we're both rotten with money. We're living paypacket to paypacket with no control of our debts. We don't seem to squander much these days and are trying to reign things in but decisions we've made in the past are really holding us…
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Letter from Moorcroft Debt Recovery
Hi, have received a letter from Moorcroft regarding a recently defaulted debt, and was hoping to get your take on it ... "We have been instructed by BOS to collect your over due debt of £xxxxx It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued." Does…
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Anybody know how to resolve debt issue with three?
I owe three £88 and I let it go to default over an argument when my phone wasn't working stupid I know. However I've rang them and they say it's not their problem now and gave me the details to ring a bailiff. They sent it back to three last year and can't help me either. I just want to pay it as it'll be the last red Mark…
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Mackenzie Hall Default Help?
When I checked my Credit Record a few weeks back after getting refused finance, I found a default had been placed on my record for just under a thousand pounds by Mackenzie Hall. It's marked as 'Mail Order'. I have never had anything Mail Order! After researching this forum, I sent them a prove it letter and at least asked…
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How to find debts??
I posted on this board a few days ago and and had some really usual advice I put down that we owed money to Barclaycard but they haven contacted us yet we moved 3 years ago, another of the debts found us on Friday. I thought the best way was to get all our debts work out exactly what we owe and go from there. So how do I…
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Bristow and Suitor Number
Hi Not sure if this is in the right place? Does anyone know if britow and suitor have a landline number i can ring to discuss my account, as i dont really want to ring the 08 number as it costs the earth, thanks
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Churchwood financial???
Hi, Somebody I know has had a debt management plan with Churchwood financial for around 6 years. Question is are they a good company and is it worth paying the approx 30 a month admin fees?? I have a few things to pay off and was considering them as I cannot get a consolidation loan.
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Thursday 14th April - What small DFW things will you do 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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Default added years later?
Hi all, I wonder if anyone can give me some advice on a default on my credit file. I had a DMP, which I've now finished paying back, and checked out my credit report. I had a current account with Cahoot and paying back the overdraft I had was part of my DMP, which began in 2006. They accepted my offer of payments and I…
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Apex Credit Management Tracked us overseas
Hi, We have a bit of unusual situation here and dont know how to deal with it properly and will appreciate your expert opinions and comments in this regard. My girlfriend and i moved to an Asian country almost two years ago for work. We were going through some financial hardships in UK and my girlfriend sought advice from…
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DLC Chasing an egg debt, refusing to acknowledge any requests
Hello, I started getting calls from a company called DLC who said they were calling on behalf off EGG. I tried to corporate with them at the start to sort it out but they just want the money, have no interest in the fact that I do not owe the money. So I read up on the subject, found this forum and started the process.…
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Need to set up a DMP - whats the pros and cons of NationalDebtline, CCCS, Payplan etc
Hi, I have stupidly got myself into £20k worth of debt and have agreed repayment terms with some of my creditors but currently the sum of these is just crippling me and I need to get myself set up in a debt management plan. I intend to pay back all I owe and realistically could afford around £700 per month to my creditors…
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Who do I go to? What do I do about my payday loans?
Hello. I only joined here a few days ago and it looks really helpful. This is my first post and I am just wondering if anyone can help me. I am currently with the CCCS and have 1 credit card and 3 payday loans which I stupidly took out. The CCCS were very good and they put me in a Debt Management Plan with them which I…
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Can I swap credit cards (not spending) to reduce rate whilst on a dmp??
I am 2 years to becoming debt free - from £26,000 odd in 2006 to around £9000 now ::- two of my creditors, one is a loan the other is a credit card are still charging horrendous amounts of interest despite many requests not to...can I still expect to be able to swap the debt to lower rates elsewhere? I have never missed…
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Aktiv Kapital
Hi, wonder if anyone can help please. Received a letter today from Aktiv Kapital stating I owe 153.66pnd to GE Capital Global Consumer Finance Ltd. No idea what or who the above are!! Thought I had things back on track and this turns up!! :mad: Thanks in advance
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full and final settlement vs DMP
Evening all, I am dealing with a £56,000 consumer credit debt between 11 creditors. Been in a cccs dmp for four months only and the dust is just about settling. I have just been approached by a company suggesting a full and final settlement arrangement obviously for a fee. They suggest that I will be debt free in 39 months…
