-
need help with Cap quest!!!!
Hi, I was wondering if anyone could help me out with Crap quest and whether or not to take them serisoulely. I have a Vodafone debt from 2009 that they are claiming i owe them for which is for £938, this week i received a letter in the post saying that they had served a statuary demand on me and if did not apply to set…
-
Oh God
Hello! It's been a while since I popped up here. I really need some advice please. Just got home today to a letter from Credit Solutions. It says LEGAL NOTICE, and then goes on to say the Barclaycard can no longer wait for their 9k and legal action may be commenced against me unless I pay them in 7 days. There's no way I…
-
Debt management plans
Hi Not sure if this is the right place for this question, but I couldn't find the right forum to ask!! So if admin could re-post in th right place if this is not the right forum :) I am looking into a DMP, as it might be a way of me clearing my final 2 years of a loan and a few credit card debts. I am finding the…
-
Help with managing my debt
I Just don't know whats going on. I went to the Citizens Advice back in 2007 and they agreed repayments with most of my creditors and all was going well, but with changes in circumstances and the rise in the cost of living i seem to be back to square one. I've looked into Bankruptcy and IVA's but they all seem a bit…
-
partner wont let me go for DMP
Hi...hadn't anticipated this.....he insists that we continue to pay everything even though I'm robbing Peter to pay Paul...ridiculous as I've had to use cards to pay the telephone and buy food as all our cash went on credit card repaymer t this month... ..what can I do?
-
Unenforcable credit agreements
Can some one give me the heads up on this in relation to the CCA. and if there is any standard letters to try and defend one that got turned into a CCJ, even though at the time the arguments were put to the court. Im a BR and my husband isnt when we used the argument with both the courts and creditors that they were…
-
Repaying a Professional and Career Development Loan
I am wanting to undertake an MSc and require a professional and career development loan in order to do so. I plan to pay off half of the loan throughout my study, as it is interest free. However, one month after I finish studying I will begin to pay interest on the loan. My hope is to transfer the remainder of the loan…
-
How long have you been in debt for?
From turning 18 and getting my first credit card, I racked up debts right up until I was 35 so a total of 17 years. I'd hate to look back and see how much I paid/wasted on interest all those years by paying just minimum payments. I eventually managed to break the habit and have been debt free for 5 years :j
-
capquest again
hi i posted on here before regarding capquest contacting me for a debt thats at least 7 years old and that i cant remember having to be honest but may well of done.i wrote the letter as advised on the forum informing them of statute barred etc and could they show proof the debt was mine. They have written again maybe a…
-
Experian credit rating, I dont know whats going on
Hi everyone I am wondering if anyone has any suggestions or opinions on what I should do. I have some debt that I am paying off: RBS loan (£1700 ish of a £3500 loan) due to finish Dece, never missed a payment. RBS credit card £1200 allways pay at least min each month, never missed a payment Tesco credit card £900ish…
-
Resolvecall
Just had a visit to my door from these idiots looking for my husband. Told him he wasnt in and he went to give me a letter. i refused it and told him that he wasnt an invited guest and could he leave my property as he didnt have permission. He said I dont need permission and refused to leave. Ive shut the door and hes…
-
Finally Dbt free!
Morning everyone :j Just want to thank everyone for their tips and support throughout the time I have been on here. That's me debt free after more than 20 years. good luck to everyone still on their way to doing it you will succeed.
-
DCA Advice Needed
Hi DLC is constantly ringing my old mobile number and leaving voicemails asking me to call 'today before close of business quoting ref ...'. They've left 5 voicemails in the past month, but haven't yet written to me. I have debt problems and DLC were dealing on behalf of EGG before EGG sold my debt to another DCA, so now I…
-
Advice Needed
Over the last year and a half, I've had various debt collectors after me over the same debt. The debt was originally rent for university accommodation, which I believed was paid at the time (I was 17, just moved from home, didn't really know what I was doing!). However recently they've got Stirling Park harassing me, as…
-
Friday 8th April - What small DFW things will you be doing 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…
-
Cabot/Egg DMP review
Hello everyone, I've had one of these e-mails from Cabot asking for a review. They've asked me to phone them but I'd really rather not deal with them by phone so what is the best way to go about it, ask Payplan to send them a new SOA? Also, they've said this - The most important thing for you to do now is to get in touch…
-
Natwest debt dealt with through APEX. Final Offer?
I received a letter about 2 years ago from Apex credit asking me to call them as they were collecting a debt for natwest bank (An overdraft which Id not paid off and the bank didnt contact me). the debt was around 3k in total and after paying minimal payments (i didnt like the way they treated me on the phone and so I…
-
Best solution for me
Hi, im very new to all this so very confused. Ive been on few sites looked at debt help and went round in circles. I owe £3000 over draft, £5000 credit card and £9000 loan. Im not a home owner and have £180 left each month.
-
Want to check defaults have been removed by contacting issuers
Called the three main companies who do credit reports and they all said the best way to check is by emailing the issuers themselves and asking them if they have done so since it has been over 6 years. Now i know there was a website that listed the correct addresses to send this stuff to for each company but I don't have it…
-
Can i ask for CCA?
currently with a DMP,can i still ask for a credit agreement?
