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Is my bank fobbing me off?
Hi all, I wrote to my bank to ask for a copy of my credit agreement under section 77 of the Consumer Credit Act 1974, to make a claim for my loan PPI. A long awaited reply read "We regret to advise you that the loan agreement form has been misfiled and, despite searching our records, we have been unable to locate it. Our…
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MBNA Credit Agreement Terminated
Hi all, just posted another thread about CCJ but dont know how to merge them. Has anyone else been in a DMP & had this happen with MBNA? what happened next? MBNA have been really good & froze all interest & charges but 2 years on we have just received a letter saying that the agreement has been terminated & they are…
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CCJ Help
Hi all, im really scared :( we have been on a debt management for 2 years now & MBNA have been really good but i have just got a letter saying the credit agreement has been cancelled and they are deciding what action to take. I am so worried about getting a CCJ :( does anyone know that if you do get a summons do you get…
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Enforcement action...Brian Carter solicitors...
Hi everyone, I ran up a debt of something like £100 on a catalogue about 5/6 years ago...went off to uni and forgot about it once the letters stopped. I know it was stupid but I was like 18 at the time, and not used to getting credit. Fast forward to last year, and I started getting threatening letters from bryan Carter…
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Help me sort priority
Hi guys I currently have Two overdrafts Two loans Four credit cards And am expecting funds soon which will enable me to clear a fair bit but not all One of my ccs is 0% for another year and a half so I was thinking of leaving that in place, continuing to make min payment to it AND setting up a direct debit to a savings…
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Debt Management and renting
Hi there My partner and I are currently in a debt management scheme and both have poor credit scores. We are in the process of trying to move house due to work relocation. We have had an offer on our house and will need to rent somewhere else. Does anyone know if we will be accepted by landlords if we have a rubbish credit…
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Default Date Help
Hey, I have recently been going through my credit file to make sure all is well as I was rejected for a small loan. I was a bit surprised by this and found a couple of things that were not right. I had a missed payment from Virgin, but I contacted them and they agreed it was an error and will remove it, all good. However,…
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Been chased over unpaid PPi from Direct Auto Finance
Hi we got a car with Yes car credit back in 2005, we handed the car back at half way mark 2007 because we got a new car. Direct Auto told us we didnt own them anything that it was all paid up ect.. Our last Payment to them was May 2007, and we didnt hear anything till 15th July 2008 saying our account had been sold to…
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Equifax
Hello, I just did a £2 report, is there now a monthly fee attached and do i have to cancel the account, The website is terrible and I can't find much info
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Help In Clearing Debt Faster
Hi All, Today I received a call from First Direct regarding my joint account. Basically long story short, we have a £1000 overdraft which we are in every month and have been frequently over due to the mortgage and other bills coming out at the wrong time of the month before our share of the money goes in. He basically said…
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Ccj
Hello. I have litterally just received a letter for a Judgement, but the address is wrong. I have only got this as someone has sent it back and the post office have sent this to me. Is it possible then to have this set aside as i have not been notified of the debt and have not received any other paperwork, and obviously…
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Started an IVA & think it is a mistake!!
Hi, I've posted before - just started an IVA in June this year & already I feel as if we're struggling. I earn a good salary but hubby is self employed and his business has been hit by the recession. My contribution to the IVA is the highest but hubby is supposed to put £400 in the bank each month to cover his but this…
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Help! Am i just thick
I've seen in alot of posts that people are checking their credit reports with experian ect daily. Can someone please explain why? What exactly i should be looking for? and should i be doing this regularly too? I feel somewhat thick when it comes to this :(
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Finding out about old debts
Hi, just wondered if anyone can give me any advice on a matter please? I have had a letter from a company chasing an old debt. I don't have any record of this as I have moved house a few times and dont have any paperwork relating to this. I have asked them to prove it is mine and they have said they will be contacting…
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CCJ Advise?
Hi all, I'm new here, well, I've been a lurker for a very long time but finally I decided to sign up as this site already helps me save money without being a member. Being one will hopefully help even further! I am currently trying to get out of debt, my debts are nothing too big (mostly student ones) but over a year ago I…
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Creation.co.uk HELP!
Hi all, I have checked my bank account online today and found out that there is a DD for Creation.co.uk on the account now and they took £26 out of my account a few days ago. I have NEVER heard of this company and visiting their website, I actually don't have a clue what they are or what they do. They do, however, seem to…
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Weds 10th Aug - what small DFW things will you do 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Fredrickson International Limited
I recieved this letter just now :\ I don't know how to respond. I spoke to CCCS today and I'm going to set up a DMP... Just waiting on the post! How do I respond? :\ TRANSFER TO DEBT COLLECTION AGENCY! Dear *************, You were issued a default notice and subsequently have not contacted us. As a result, your account is…
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Victim of credit fraud in need of advice!
Earlier this year I had a mortgage application turned down because of a bad credit score. This was a shock as I'd checked my Experian credit file and everything was in order. It has transpired that in 2005 someone had obtained 2 credit cards and a loan in my name, using an address I had briefly lived at 6 years previously.…
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Removing financial association?
I have just registered for Noddle and checked my credit report. Very happy to see a sea of green ticks for most of my accounts over the last 12 months :beer: and one of my two remaining defaulted accounts will be showing "settled" at the end of the month :T I have three associations on my account - one is my ex-husband,…
