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MBNA: What's likely to happen next? Anyone been through this?
Hi, Received a letter from MBNA today, saying that my Credit Agreement has been terminated. Goes on to say that they will take recovery action (I have been paying them via a DMP with the CCCS). by either: Selling the Debt on to a collection agency Placement of Debt - debt placed with an agent to collect the full debt on…
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Full and final settlement
Hi I have a credit card debt of 4,000. I couldn't make the payments a few years ago and they froze the interest while I got things in order. I have been making regular payments since then but they have been putting the interest rate up about every 6months or so. It's currently 12% and a lot of the repayment is now going on…
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How I make extra pennies at Christmas ;)
Dear All, Some light refreshment before I go to bed.... This will be the third year in a row that I have made extra cash at Christmas by making Christmas wreaths. I mainly sell them to family and friends for doors and gravesides. The first year I made them using Leylandii foliage from a tree my cousin was pruning in her…
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LBM....now time to get to work!
Hi all, I've been a lurker on these boards for a while now, wouldn't quite say that I've had a lightbulb moment....more of a gradual flickering! I've been in debt for the best part of 4 years now brought on from thinking I could have it all and then a little bit more! I'm determined to get the majority (if not all) of my…
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Success against Yes/NoWorries Loans
OK so I thought a good success story might be useful for everyone. Also I get the feeling what NWL did to me is a reccuring thing. I was looking for a loan to cover moving expenses. Having been rejected by my bank and getting desperate with my housemate leaving at the end of the month I turned to "credit brokers", without…
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I am owed over £3500 and took them to court
I am worried this thread will be unwelcome here but I am in debt because I let my flat and the tenants didn't pay. It has taken a year to get to a point where I have a CCJ for them to pay the money owing to me. They have split up and the woman has written saying she has been to CAB and she is going to go to court for an…
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Payday loan debt
In september I took out a payday loan, and it rolled over, then I had to take another one out and I am now in the situation where I have 5 to pay. I have made an offer of payment to the companies, and 1 of them has sent me an Income & expenditure form and wants a copy of my bank statements. I am happy to fill in the form,…
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Help please!
I wrote on the board last week regarding a High Court Order of which bayliffs turned upto my families house... Where I'm staying but not living there. The bayliffs left a letter which had the incorrect address on it etc. I didn't know of this debt, so was thinking along the lines of getting the CCJ set aside. Anyway I went…
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Help with capital one
Hi, I got into trouble with my credit card CC, I took a job abroard and arranged to pay £500 on the 1st of November and then again on the 5th and then £500 on the 1st of December. These payments would get my card back under limit and on track. I payed the 1st one on line and tried to pay the next payment on line (as I am…
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recieved court claim from wescot debt old
Hi, i would be greatful for some help and a course of action i need to take. i got a court claim letter today. issued from wescot stating i owe money from a company ARG (im not sure who this is). and been charged interest from 20/7/05 to 10/11/11, i have checked my credit file and i have not outstanding monies owed or…
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Letter received from Council claiming I owe £1000's!!!!
Today I received a letter from the Council claiming that I owe £4000+ from January 2006. I paid off a lot of debts from my inheritance which my Dad left after his death but I had no idea about this one. They have sent me an original letter from 31/5/2006 which states that I was not receiving Housing Benefit at the time due…
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Turning over a new leaf.....working towards being debt free!!
I am currently looking towards becoming debt free and need as much advice as I can get. After years of financial stupidity if honest I really need to get on track for the good of my health. I owe approximately £14,500 £3,500 on cards with life of balance transfer rates of 3.9% and 5.9% The other £11,000 on MBNA and…
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Previous employer overpaid me, now wants money back but I'm unemployed!
I'm sorry if this isn't the best place to ask, please point me in the right direction if there is a more appropriate forum! I gave up work (NHS) about 3 months ago to stay at home with my children (this seems reckless given my debt but childcare was crippling and we are overpaying with every spare penny from DH's salary),…
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Where is my CCJ
Hi, I've mentioned before about having a CCJ and work wanting information on it, just wondering if anyone can point me in the right direction on how to finding out about it, I have no idea about it, who it is with etc etc, it's been a month now and work are pestering and I just don't know what information to provide them…
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OFT for Credit cards
Hi All, I am sorting out my sisters finances and wondered if someone can point me in the direction of any OFT guidelines that Credit card companies have to follow for someone in financial difficulty. Thanks
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Advice needed on behalf of my parents
Hi everyone Been a reader of these forums for a couple of years now. They helped massively when I needed some help regarding my own money worries which thankfully have now been resolved. I have just found out from my mum that her and my stepdad have been summoned to court regarding mortgage arrears. She is in bits and very…
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Bryan Carter Solicitors
Apologies if this is the wrong thread to post but wanted some advice really. I am with CCCS who have been fantastic and are helping me to be debt free by end of next year. About a month ago, I received, what I would best describe as, a threatening phone call to my mobile from someone in Bryan carter about money i was due…
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2 defaults, same debt? Or are they clever? Or Am I wrong?
I have a default registered against me for my NRAM Loan. It was then passed to a DCA. I reclaimed PPI and then NRAM took back the loan and marked the original default as satisfied £0 balance. They have started up a new account for the remainder of the balance to which I will also be defaulted on if I cannot maintain the…
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Finally figuring it out
Hi all I have been flitting on and off these boards for the last 4 years, never quite sorting everything out but finally I think I have. I have contacted national debtline and am in the process of setting up a debt relief order. Its a big decision but with £10,000 of debt at just 22 I think I need a fresh start. I have a 2…
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Where does the excess money go?????
I've seen several comments on this forum from people who, like me, on paper should have £X left at the end of the month, but who in reality don't. Like me, these people often don't know where it's going. :o What I'm going to do is: 1. Keep a spending diary so I can see where my money actually goes. 2. Get back on track…
