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scotcall limited
I wonder if anybody can help me. I had a debt with lloyds tsb some time ago..the last payment i made to them for this debt was almost 6 years ago i dont know the exact month i just know it was the summer of 2005. This debt got passed to various creditors, i have had the odd letter over the years the last one was a couple…
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Advantis Credit - United Utilities
Hi, I received a letter from Advantis credit asking for payment on behalf of United Utilities for a flat I used to rent. I sent them a copy of my contract which stated the landlord was liable for water bills but this only covers half the period they are looking to claim the money back for. I vacated the property at the end…
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Update
Hey, I think its about a year since I came on the forum :eek: silly really as I really could have done with the backup!! Anyway I'm back.....and managed to pay off my car loan finally!:D Now its just the dreaded credit cards to go!! Anyone looking for a debt buddy?
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Default Help Please People
Good People of this forum. Congrats on a wealth of great material on here, this is now at the top of my bookmarks list. I have done some searching and can find answers to parts of my predicament, not a 100% full and complete one though. I experianced a change in circumstances in 2006 and entered into (first payment in Nov…
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Reclaiming credit card charges
Hi everyone, hope someone can help me :) I currently have 3 credit cards on payment plans they are as follows: MBNA - £4902.64 paying £50 per month MBNA - £1800.04 paying £50 per month Capital One - £677.78 paying £84.71 per month I have recently inherited some money, I have around £3000 which I am hoping to negociate full…
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payday loan advice
I have done as advised by many and had my pay put into a different bank account. Now do I contact payday companies (there is 2) wait till they contact me, If they allow me to enter into a payment plan, will they freeze the amount owed or keep adding interest ? I they keep adding interest, I am thinking of really living on…
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DMP - Credit Card Interest.. Grrrr
Hi Everyone, I have been in a DMP since June last year. All was going well UNTIL.... The Bank of Scotland decided to add 1% interest onto my £12000 credit card bill. My agreed payment every month is £125.50, therefore £120 is INTEREST only and £5.50 is being deducted from my outstanding debt. Is it me or is there something…
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DMP Payment advice needed??
Hi. We currently pay £350 per month with varying degrees of acceptance from creditors. My DH was made redundant last month but managed to find new job within weeks. He started on 14th June, but it looks like he won't be paid for this month until end of July. I was going to write to the creditors with a £1 token payment…
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F&F offers
Can you offer cc companies F&F offers if the balance is just quite high but not out of control or is it just when you have been having problems with paying the accout off?
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Wednesday 22 June - What small things...???!
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…
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Dmp
Can anyone help me with a bit of personal experience. I contact the CCCS yesterday and they think I do need a DMP. I have been discussing with my husband andhe thinks it is a good idea, anything to give us sleep at night. I think I have researched the entire deal and that it is the right way to go but can anyone tell me I…
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Head been buried again!
Last year I had my lightbulb moment and started on a plan with CCCS. I have been good and been paying the agreed amount every month and not spending more that I earn every month. However I think I got complacent! I don't check my mail every day (takes longer to get to my flat if I go via the mail room) but I've noticed…
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My SOA - Quite shocked!
This has probably been the most eye opening thing I have ever done in regard to my finances. I am shocked by how much I spend on groceries (and I think I have to admit that I based this SOA on a quieter month than usual). I would be interested in any opinions and tips on how to save more money. I have written below some…
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McKenzie Hall
Hi im new to this but will keep my question short. I have just checked my credit file and MH did a search on me with equifax in January. I never recieved any letters from them and i had a couple of old debts that became ST in February. Can i get these searches removed from my credit file? Any help would be apreciated my…
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URGENT!!! Removal of Vehicle for bailiff fees? Council Tax paid in full!!!!
Hi, We have just had the pleasure of a visit from Rossendales in respect of their fees to recover council tax. The council tax was paid in full to the council approximately 2 months ago and we had not heard anything from them since we disputed the fees as we did not believe the bailiff had in fact made attendance and they…
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Caller pretending to be from Parcelforce
Anyone heard of this before? My mum took a call this morning from someone saying they were from Parcel Force and they had a registered parcel to deliver to a name my mum knew (my cousin) but who had a different name and address from her. They wanted his address. She genuinely didn't know where he lived so said they could…
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Balance Transfer and small incomes?!?!
I'm a recent graduate from the UK. All my bank accounts etc are based here in the UK, including my student interest free overdraft, with the RBS. My student loan and overdraft are the only debts I have. I have to make a repayment of £700 to my overdraft before the end of this month and I'm panicking a bit about it. I was…
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Overpaid HB - Excessive repayments
Hello all, Before i email my local council over this, i just wanted to get a bit of advice. I owed about 700, they added 30% on after the investigation after it turned out it was an honest mistake on mine and the job centres parts (mis-information given by the job centre). I was working last year, they told me they wanted…
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NCO Letter
Hi Can anyone advise ? Today I received a letter from NCO requesting immediate payment of 1350 pounds , the3 letter had a reference but the clients details were blank. The letter had no address or telephone number and looked like a very bad photocopy , Ive checked my outstanding debts and I dont have any that resemble the…
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Some good news on my DMP
Just started my DMP , ASDA credit card have frozen the interest at 0%, thank goodness , just waiting for 6 more decisions from other credit card companies, hope they all do the same. daz
