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Lowell group saying I paid them in August 2008...
I did not pay any money on this account. What do I do? I never paid anything on it. It would be statute barred if it hadn't been for this payment (so they claim) Help? Sorry a bit of background info...I had this debt maybe 5/6 years ago IIRC. It was for T-Mobile. Anyway, I sent them a default "statute barred" letter, and…
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F & F - what would you offer
Hi, Below is what we owe....hubby is looking into getting a loan in his name as my credit is shot at, so that we can do F & F....just wondering what you think we should offer people Argos - owe £700 - previously offered £300 which they said no too....have now today offered £400 saying that i may be able to get this money…
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New Start - hope to clear debts
Hi Guys, I have been burying my head in the sand for too long regarding my debts, and I feel it is time that I finally start making steps to a less stressful life by remedying my financial issues. Basically, as a student I managed to run up a large amount of debt on credit cards, and around 8 months ago after losing my job…
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Cca request
Just a quick question regarding a CCA request I have sent. I originally sent the request to Green & Co Solicitors, however I recieved a letter from them saying any responses should of been directed to Triton Credit Services. Green & Co indicated they had passed on my request to Triton. My question is, do I base the 12+2…
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Wescott Collections Help Needed Pls.
Removed, thanks you your help Tixy.
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In need of advice
Hi there I am looking for some advice and i thought this forum would be the best place to find it. I'm not sure if i am even posting in the right section so i appoligise if i am not. I have recently gotten myself into financial difficulty and i really don't know where to turn and its really starting to upset me and make me…
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Which way would you do it?
Hi All Been with Payplan for a few years (been really naughty and due to mostly low income jobs I have missed a few payments here and there!). I feel quite ashamed but I am now in a position where I can clear 13k worth of debt in about 2 years. I have moved back with the parents (I know!!) but thankfully my disposable…
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Thurs 30th June - What small DFW things will you be doing...?!
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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Help Don't Know Where To Start
Hello Guys, Please don't judge me I've been hideing my head in the sand for long enough! It all started back in 2009 when my partner fell pregnant, at the time we were both living with parents and decided to find a place on our own. We rented somewhere, with me being on a low income job at the time (£800) per month I…
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Dfh
I have been a fool but I had hit the bottom and DFH were there and I didn't know where to turn for advice. I have had a payment plan with them for 2 years and now I realise I would be better off going to CCCS. I had my review with DFH today asked about how much I owed now wouldn't tell me, they also mentioned IVAs but then…
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So I'm back to square 1....
I just spoke to the National debt helpline as I'm 45k in debt, meeting all my current payments, have never missed a payment, but am only just scraping through each month without really denting any of the debts. I've just been told that until I start getting behind with debts I cannot get any help...... my current…
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creditor wont freeze the interest?
Hi all Bit of background first..I was on a dmp with CCCS, and last month decided to go on a self managed plan. I have been recently receiving tax credits but these have been stopped this year (as just over the threshold).. I did look into a DRO but am not eligible for this which is fine, i will re-adjust my budget & carry…
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northumbria water and debt collectors
Someone kindly suggested I put this in here so I am re posting from another forum on MSE. In 2008 we sold our house and moved into a rental in aug 2008 until Feb 2009 with a 6 month contract until we moved to Australia. We paid all utilities and informed all the necessary people we were moving out and paid all bills.…
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HSBC and Cap1 cant act without signature
Hi all I have just set up a DMP with CCCS, first payment coming out on 1 August. I sent all my creditors the standard letter informing them i was starting the DMP along with a token payment. I have today received letters from HSBC and Capital One saying they cannot action on my request as i did not sign the letter. Do i…
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Cabot and Mercantile Data Bureau....?
Hello, Can you please give me some advice?? I sent off two Full and Final offers to both companies, both for around 20-30% of total amount. Has anyone had any success stories with either of these companies and Full and finals? I have read a few horror stories on the internet now... Please advise me of any dealings you have…
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Struggle ...
I'm new to this try'd to struggle on with all ou payments on a 16hr job with £369.00 monthly wage which is just not possible, trying my best to have more hours looking for a new job but being 52yrs of age nothing is coming my way. How is it that some people seem to have a much better life than me on benifits. Just need…
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Business debts not known about
Sorry to annoy you guys, I'm just on a search for a bit of common sense advice here! I bought my business partner out in April and things were running smoothly until I've received a letter in the office today. It appears that in my former bp's time with the company (from incorporation in 2005) that debts have been racked…
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Is this statute barred?
Will try to explain everything as short as I can. New kitchen fitted September 2004, quoted price £6405, paid up front £3890 leaving a balance of £2515. Loads of things went wrong with the installation which was finally completed October 2005, yes 13 months. The kitchen still to this day is not finished to quoted design.…
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Which bank?
I'm starting a DMP and need to open a bank account which isn't linked to any of my credit cards/loans. Would Yorkshire Bank be ok if I wanted to avoid the following: Santander (mortgage) Cahoot (loan) Tesco (loan) Barclaycard (credit card) Lloyds (cc) Egg (cc) Halifax (cc) Mint (cc) Virgin (cc) Thanks
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First debt gone to in-house solicitors - few questions
My first debt has gone to Halifax in-house solicitors (Fairfax), I'm presuming the rest will follow shortly. They were pretty ok to deal with and accepted nothing much had changed to my circumstances since January when I first embarked on my self-managed DMP. I did get a CCCS reference number in the early stages, but opted…
