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8yr debt
I received a letter last year advising a debt company had bout my debt from a Credit card company, which they say they had sent proof of my so called payment made in last few years. I followed advice on this site regarding statute bared and to bog off basically, they still conTinue to send me letters chasing payment, and…
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Aic
Anyone had any dealings with this company, i've just been reading about their 'genteel' powers of persuasion on another forum. I have just had a phone call and a bright yellow card from them in one day, so looks like i will be locking horns with them :)
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Selling up to become debt free?
Because of an accumulation of events (mostly beyond my control) I am in arrears with my mortgage and have a few other debts too. I am now thinking of selling my flat which is probably worth about £140,000. If I did this I could be mortgage free and left with a balance of approximately £80,000 which I would use to rent…
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Gym Membership with Energie
Hi, Myself and my wife visited local Enrgie health club branch on 04th Feb, 2011 to enquire about the membership. We were more than welcomed by the front of house team there and given a very luring offer of 1st month free and thereafter 39.95 GBP per month for a 4 month period. They also offered a 6 weeks results…
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Can "creeping" the week forward save me money?
Hello there. Although I am fortunate enough to now be free of debt, I intend never taking my eye off the ball again, and always look to budget more effectively. So this occured to me:- I currently withdraw £x cash on Monday morning to see me through until the following Sunday evening. If I "creep" the week forward by one…
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Debt Rant
I had my LBM back on the 7 January 2011 and worked out my outstanding debt. Thanks to this wonderful website I have set up my own DMP and changed all my direct debits and bills to come out on the same day at the beginning of each month as before they where all coming out at different days and i wasn't really keeping an eye…
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Saving pots bank accounts
Hi all, Not been on in a while since i've been back at work since my accident it's been a bit manic - that added to the fact we are now expecting baby number 2:T:j Obvioulsy however this means we are on our uber tight way of getting as much debt paid off as we can! before this little one arrives - we've just had a very…
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Default No CCA
Hi, Just a quick question on behalf of a friend. Can a company add a default to your credit report while in dispute? If not can they still add it without having an, and agreeing that they don't have a CCA?
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My first Debt Collection Letters, HELP!
Hello On the 6th of April i received a letter, dated 1 April, from FPC Debt Collection Services/Fredrickson International Limited. The debt is from Vodafone. My contract finished with Vodafone in FEB this year and i received a final bill of £129.03. I could not afford to pay this so i received the letter from FPC. The FPC…
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Letter about credit?
A while ago, I moved out from my parents, not exactly on the best of terms so I hadn't received a lot of my old mail. Today, I got a letter from Link Financial about an application for credit. Only thing is, I haven't tried to make an application for any sort of credit for years, is this some sort of scam?
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Statutory Demand - Please help me
Hi all, I've been served with a statutory demand (in person) for a debt and I'm not sure what to do and it looks like I'm facing bankruptcy so help and advice would be really appreciated. The demand is for a debt going back to 2001, and the last time I acknowledged or paid on this debt was December 2004 whilst in another…
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Balance offer to Wonga.com – advice needed
I am on a payment arrangement with Wonga. My original loan was £650 and I ended up owing them £1099 (due to me rolling the loan over) and I arranged to pay them back over 6 months at £183 a month. I have made two repayments totaling £366 so far. I have just received a text message for them saying “Please contact wonga.com…
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no idea where to start!
Hi there, So the title may be missleading cos im on here so obviously i have made a start! Ive read through the main site and through the forum and im actually more confused than before :( First, heres my details - Monthly Incomings: My salary - £560 Benefits - £440 (before the changes come in) Total - £1,000 Monthly…
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Credit report update - why so long?
Hi I have just had a look at my credit report and am slightly peeved that it has taken so long to update my records. I had a default, which I finished paying off at beginning December, but my record only just shows it as being satisfied. I appreciate that there is a time delay, but months!
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Rob Peter to Pay Paul
Hi Guys, I am 39 year old and have had debt since I was 19 - this escalated and got way way out of control a few years back. On top of my own loans/credit cards I added some of my girlfriends to help me out - we are not together now, but I am still with the loans - my fault. Anyway - I need help. I have 3 loans, 2 credit…
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Ignoring telephone harrasment letter
Hi, Credit Resource Solutions have been constantly phoning me and sending me text messages regarding and outstanding balance that I owe Hastings Direct. I have sent them a few letters proposing a payment plan as I cannot pay the full amount in one go and asked them to respond in writing but they have completely ignored the…
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Lloyds TSB have transferred my account to Consumer Debt Recovery with no warning
Hi , I am a very worried person right now! I have a bank account with Lloyds TSB that i rarely use (is not my main account). I have an overdraft limit of £1000 but for the past 6 months have been steadily going beyond this (due to fees etc) any my account now stands at £1118 overdrawn. I got a letter from SCM solicitors…
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4 different creditors,only 1 ever contacts!
Why is it that i have a debts with DCA's all with a DMP.why is it only one of the debts ever bothers me?? I never hear anything from any debt collectors about my loan of £17,000 but yet my credit card is the bane of my life!!
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toothfairy finance... advice please
got myself into a bit of a pickle and took out lots of payday loans. obv couldnt afford to pay them back all of the companys have accepted a payment plan over 3months to pay them all back but toothfairy wont budge, they dont do payment plans and wont the money in full tomorrow which will not happen. whats my best poa shall…
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Leaving DMP - general help needed!!
I have decided to leave a debt management plan which i have been on for the past 2 years, i want to get the debt paid off quicker and as they take a percentage of what i pay i thought this would be easier and quicker to do myself. I have contacted all my creditors and agreed monthly payments and that has been absoloutly…
