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Default Notice on Credit File - Notice of Correction.
Basically its a debt I don't owe, they could not produce my credit agreement but the debt collector is insisting the default stays on my file.... Via email when I asked for it to be removed this was part of the response to me: "Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement…
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Blair Oliver & Scott
Hi Who are they? Just wondered if I could offer lowish F&F to settle account Thanks T
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HFO services HELP
Please help, I recieved a letter from these guys today saying I owed money on a Barclaycard. I dont recall any debt with Barclaycard so I sent them the prove letter from this site. I rang them and asked for my original credit agreement or statement of account and they became rude saying they will request it but in the mean…
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Refusal of Full and Final
Hi all Just a quickie, if thats ok? Ive been sorting some F&F settlements out and Santander and Blair, Oliver and Scott will not accept any payment that isnt 100%. I just wondered what my options where and if this is quite common? I want to get all my debt paid off, so is it just best to pay them at 100% and then its done?…
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need help fast
time is running out i am no longer in a viable position to pay everybody,house is on the line,after being made redundant over 2 years ago debts have piled up now working again but just cannot keep head above water,this ship is going down:(
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is a county court judgement a priority debt?
Hi , can anyone answer this one for me? I have a ccj and now wish to address my various debts. they are all non priority but i am not sure if I should be making the ccj a priority debt as I am receiveing letters from court bailiffs. Do i just make a pro rata offer or make this debt a priority? many thanks for anyone who…
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Can anyone be debt FREE - Help!!
Hi I want to be debt free but I keep getting letters from companies saying I owe them money, I don't think I do and yet when I ask them for the contract or any proof they never send it to me and just keep bothering me, what can I do?
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ccj
Question IF a person has a debt of 5k and the claimant takes the person to court and the debtor fills out a form accepting he/she owes the money and then offers to make a monthly payment of say £20 how often do the courts refuse the offer of payments?. Having looked on this forum it seems some can make an offer via the…
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Bank denies access to account
[URL="http://twitter.com/?status=https://forums.moneysavingexpert.com/discussion/3171220[/URL] Hi hoping for some good advice. My uncle who is in a nursing home has been having problems with his bank. They refused to allow him access to his account due to his signuture not being the same as when he opened his account. Now…
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Payday Express...Hell
Hi, i don't know if this is in the right section, but feel free to move it if it is. I got a payday express loan a few weeks ago, and i got into some financial difficulty, and couldn't afford to pay it back, i did try and sort it out with them, but that didn't get anywhere unfortunately, I reported my card lost and the guy…
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Baliff Issues - Advice needed please
Hello everyone, I received a letter yesterday from a company called "Newlyn". It was addressed to "THE OCCUPIER". The letter gave me 7 days to pay $504.13. Today I received another letter addressed to my husband ( they got the sur name right but not the first name!) The 2nd letter states that the will be coming to "remove…
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not in det but address is, help???
hi not to sure if this is in the right place, i keep get debt letters through the door for someone else today i have got 1 saying the bailiffs are coming, and can enter with force, so ive emailed them telling them to leave me alone no one called that name lives here etc also i have a small baby in the house so im quite…
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should I send letter asking to stop interest and charges? And Mercers question
We sent 2 letters with budget and £1 payment to Barclaycard (in letters I asked to stop charges). They are taking payment and charging interest and late payment fee. Today we received letter from Mercers asking for payment. Shall I send them letter+budget again or letter asking to stop charges? Who should I write to now?…
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Setting Aside - CCJ - ALmost there but not quite!
I have a problem with setting the decision aside. I have a situation where the claiment is willing to drop the CCJ against me, IF ONLY the court writes to them. As there was an error in the debt in the first place. The debt has been paid to them and the CCJ is now 'satisfied' However I missed the SET ASSIDE time limit and…
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Debt free plan- what should i offer?
Hi all, i've been on the phone most of the day to Lloyds, Moorecroft and Robinsonway basically i owe £2400 to SCM Lloyds for a credit card, £2400 to Westcoast for a old account £1270 to Robinson Way for an old account I can't afford to pay the "full"amounts in one go so have asked them for settlement figures, which all 3…
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CCJ Help
Hi all When a CCJ is paid and you have the confirmation letter from the creditor. Whom do i need to send this to in order for it to show as settled on my credit status? I am aware that £15 is to be paid by cheque. Thank you for the help
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DMP Full and Final settlement offers
hi,I am new to all this but have been struggling on DMP with CCCS now for 4 years paying £450 a month,my original debt was £65k(business related but sole trader)this rose to 90K whilst negotiating DMP and making token pyments.I have never missed a payment on DMP and debt is now down to £49K,this is after paying reduced…
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Debt Collector offering discount BUT...
Hi, CRS are chasing me for a debt that I apparently owe to Hastings Direct for insurance. I phoned them once but the person I spoke to was so rude, spoke to me like I was something she stepped in and tried to force me into a payment plan I couldnt afford so I ended the call. Since then I have sent them letters offering a…
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payday express...... advise please
payday express will not accept a payment plan unless the following applys; severe illness imprisonment decased...... reduced hours or redudnacy im not any of these and they are saying they wont accept a payment plan.. well its the only bloody way they are going to get their money back.... how to i go about paying this back…
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Not Sure what to do
As it says, im not sure what to do next. My partner and i are currently paying all bills c/c, car finance, catalogues, utilities etc on time but we don't seem to have enough let over for food shopping and fuel for car. We both work and have 2 children at home. We both have a car due to where we live and how far from home…
