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In writing only-Egg loans
I have been trying to deal with Egg loans in writing only to arrange paying £400 arrears. They failed to respond to any letters, apart from the standard 'your arrears have risen to an unacceptable level' please call us.... computer generated letters. I know they have received them, as some signed for and some containing a…
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what to do when it all comes crashing down
Ive just been managing to pay all my bills but last month I couldnt and now ive jst had my first two collection calls and now I want to cry. I got myself ito a stupid mess last year and struggling to get out of it. I took out some payday loans and they are what are causing me to struggle. If I didnt have to pay them off…
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Equita Council Tax Probs
Hi there everyone Really hoping somone can point me in the right direction please! A few years ago i fell into arrears on my council tax, Not proud of it but am undoing my embarrasing mistakes from the past. The debt was passed to equita. I have been sticking to an arrangement of £100 paying on time each month for a year…
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debt free journey
Today I put money into my bank account for shopping which is for the rest of the month. Im hoping that this way I wont need to go near any shops and only order on line . Iv put two hundred and forty pounds in . Iv paid for the gas and electric for the month as its pre pay. I know this is expensive but at least we dont have…
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Dealing with my debt
I'd just like to say a big thank you to all people on here, ive been dealing with my debt (27k) for about 3.5 years and all the advice and help has been invaluble in my debt free journey, i can see light at the end of the tunnel, my debt free date is 30/06/2012. I can now manage my money on a monthy basis (unless i have a…
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bipolar
do debt companies take into consideration if you have a mental halth problem? thanks
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Collection calls from bank - all while having Card Protection without knowing! HELP!
Hi all, I am having issues with my bank - and wondering if any of you could shed some light on this situation. I have 3 credit cards with 3 different banks: HSBC, Virgin and Santander. My main bank is HSBC, where I have a current and savings account too. Unfortunately, I was one of those people very affected by the credit…
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Welcome Finance / Mackenzie Hall HP Nightmare
Firstly thanks everyone for using this forum, i have been a bit of a 'lurker' for a long time and have always found it an excellent resource, However i have found a myself in a situation and desperate for some advice..... Bear with me as its a length story i'll try make it as easy to read as poss....:o Back in November…
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Getting DEFAULT removed from DLC/Hilseden Securities
Good afternoon all. These good people have put a default on my account a couple of years ago for an account that I have no idea what its for and have successfully got them to admit there is no agreement. Horrified when I saw my free reporys from Call Credit and equifax that they had reported me. So here is the string of…
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Rent arrears advice needed
Hi all, my brother lived in a housing association property 10 years ago and when he split with his wife they left the property owing rent arrears which have never been paid if he applies for social housing again in the future would this come to the surface again? He is living in private accomodation at the min and needs to…
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Council Tax Advice
Hi All, I'm just after seeing if anyone can agree that I'm doing the right thing regarding a council tax debt. To tell the complete story, we moved house in July last year, and my wife contacted the new council to inform them we we're occupying our house as of whatever date it was and could we have a council tax statement…
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Welcome SAR - Sent wrong details!
Just had my SAR through from welcome and its not even mine! they've sent my brothers! How unprofessional and scatty can a company be? no wonder they went out of business....
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Help!!
Giving this a go because I am at the end of my tether at the moment - feel like I have well and truly come to the end of the line! I have aprox £40,000 unsecured debts in credit cards and loans and car loan. I can no longer make the minimum payments on my debts and have contacted CSSS regarding a debt management plan. They…
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Old Council Tax, Limitations Act and Liability Orders
Hi folks, Sorry bit of a novel. Hope I can get a little help here as to what if anything my next move should be. I was out a few days ago and the following two notices were hand delivered to my parent’s house where I am currently staying. https://picasaweb.google.com/lh/photo/f5WpvSf8QY90yixMi-isSA?feat=directlink…
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Finding out what I owe
Around 2004-05 I had a few debts, store credit, overdraft and credit card with HSBC, I'm sure I consolidated the overdraft and store credit onto the CC when I signed up (pre approved gold card) I have no idea how much was payed off though (I filled out change of address form but HSBC never started sending statements to the…
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Council Tax Debt
I lived in a flat for 6 months until March 2005. I then left and did a spot of travelling around the world for a couple of years. I've been back in the country for around 4 years now but I've realised that I didn't pay any council tax whilst at my flat. Right now I live where I work so I haven't had to register with a…
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Who has access to bank details
While in a trust deed (IVA) do my creditors or anyone else have access to my bank account details?
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First Phone Call
I just received my first phone call (of many many to come no doubt) and I'm a nervous wreck! It was from one of my CC co's - he asked me to confirm who I was by giving him my DOB to which I refused, he then proceeded to tell me he was calling to ask why I'd cancelled my DD. Surely he shouldn't say this when I haven't gone…
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Red/Lowell again, grrr. Combined prove/sb letter?
I've had my third letter from Red this morning relating to a debt from 9 years ago which is statute barred. I've ignored all their correspondence so far. The latest letter says: "we will be sending your account to a field agent or one of our chosen debt collection specialist partners unless you arrange repayment" Make us…
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credit repoert - experian credit expert
hiya im looking to check my credit rating on experian, it says its free for 30 days. does this mean i will have to pay after 30 days if i sign up and view it today or is it only if i want to check my rating again after 30 days? :huh: thanks
