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Credit Card Agreement - Uninforceable ?
Hi I have a credit card account which I took out in 2002 with The Associates which was then taken over by Citi Cards in roughly 2005. A year ago received a letter from Citi informing me that my account was being transferred to Opus and my card was no longer valid, I was to continue to pay the minimum payment until the…
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Help please...
Hi all, I have not posted here before. I have battled with debt for the last ten years however having just had a little baby girl 1 weeks ago things are tighter than ever. I owe approximatly £10000 to the following people Bank of scotland £5000 Lloyds £3000 Wonga £1800 Quick Quid £ 290 I have not been able to make a…
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slight tech question?!
sorry if this is not the right place to ask this, but im returning member and cant remember how to put the bit of info about me under the threads - can anyone point me in right direction please? thank you :o
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Expiry of Statutory Default Notices and Debt?
Hi, Please can anyone help? In 2007 I got into difficulties with three credit cards following a reduction in pay. Hitherto, I was paying the minimum amount and just about making ends meet. I asked an accountant (acting for free) to offer the credit card companies reduced monthly payments. As expected, the three credit card…
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Hi New!!!!
Hi there Looking for some advice after burying my head in the sand for a while I'm hoping for advice on how to tackle my debts being reading the boards and now plucked up the courage to post. Was going to start by doing a SOC but have really lost track of APRs is there any letter i can send to get the details sent out to…
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New to the forum
Hi This is my first time of visiting the forums and I thought I would post to see if anyone could offer me any advice. I have decided today that I am tired for being stressed and worried about money - my situation is totally self inflicted and I need to get a grip - I just could do with some help. I guess I should not have…
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Experiences please....
on a DMP with CCCS and Lloyds TSB - Did they do as they were asked? Did they freeze the interest? and anything else you'd like to add please :)
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Need some advice on which route to take!
Hi, I wouls really appreciate some help deciding what to do. I have made an awful mess of things I am currently on a DMP but have other debt as well (please dont judge me I am well aware how stupid I have been). Basically I was working full time and I have paid £20,000 of with my DMP. Now I have 2 children under 2( both in…
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How to cancel credit expert?
I've tried cancelling my Credit Expert trial via email and I got a message telling me to ring them. I followed some links on the site saying if I wish to cancel via email, I need to have insurance with them. "IMPORTANT: If your membership does not include insurance, any e-mail cancellation request will be invalid and your…
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Forgotten delivery bill - after leaving country
My wife ordered a small value item from the states not realising that custom charges weren't included. (previous USA firms she had dealt with had either included the charges in their price or had belonged to an exempt category) The item arrived later than expected and we had already departed the country for six months…
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What is your unsecured debt as a % of income?
I've often thought that there should be a legal limit on the amount of unsecured debt an individual can have in relation to their income. Just curious, what is your unsecured debt as a percentage of your income? Mine is currently 28.3%. Three years ago it was over 60% (planning for it to be 0% in two years time!)
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Struggling to pay Debt is DMP CCCS the solution
Recently things have become really hard financially for me and my wife , im self employed and my wife had to finish work due to ill health , we have 3 children 2 boys and 1 girl , luckily for me Ive had a bit of saving to use for the past 10 months but ive now got nothing and im working 7 days a week and every hour I can…
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Hmm...
So I've not been on this forum since Dec 09 and I've just seen that my debt has only gone down about £700 in that 18 month period! How depressing. Why? Well, I bought myself a motorbike which has been pretty essential to my getting around in a cheaper-than-a-car manner. Still, it was a shock! My problem seems to be that…
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Financial associates on credit report
I hope someone can help on this My brother is on my credit report as a finacial associate dated 1998 by rbs. I've phoned the bank and they say it could be because we shared the same address but they dont have records going back that far. After ive thought about it im still not sure as if that is the case why arent my…
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Where to start?
Hi all, having been asked to leave the family home after 20 years by my wife of 17 years, I (not surprisingly) had a small mental lapse!! This was last July, today I find myself with no income in rented property, my small mortgage was paid off when the house sold and I agreed for her to have the bulk of the equity to buy a…
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URGENT help required, lowell not providing proof and demanding money
hi folks, in march 2011 i received a letter from lowell about a debt from 3g which i did not acknowledge, i wrote them a proof it letter beginning of may 2011, they wrote back to confirm they are requesting original documents from 3g and it will take some time, 2/3 weeks later they write to me that since last…
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someone please help
Hi I am a 50 yr old woman living on my own, i own my own home no mortgage and have 3 debts i am paying regular each month total £50 per month, I am on long term disability and my income is about £110 per week, In 2009 my ex left me with a credit card debt of £4400 so i wrote to the debt co and asked them for a signed CCA,…
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Full and final advice please
Sent full and final offer letter to marlin for bank overdraft.Reply has come back stating at the top of the letter Without predjudice.They will accept offer as full and final,but no mention of other companies not chasing rest of debt no not sure what to do.
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reducing a arrestment ??????
Hey guys, Only post here very rarely but I would like to thank everyone in hear for.all help previously and here is my next question......... When I was 18 I got myself into a little bit of debt then had a little one ect ect and for the past million years I have been paying 10 quid a week off a debt via a national…
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newbie needing help re: credit expert / experian
dont really know if where to post this, i have tried to view my credit report online and each time i fill the whole form in and click submit it says that it cant process my order please contact us, now i have done this lots of times and keeps saying same message and when i rang up they said they have no details of me…
