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Ruthbridge Letters
My partner received a letter before Christmas saying they had located him through a credit reference agency and could he ring to find out more details, which he did. They couldn't tell him who the debt was with and that they would write to him. Although did tell him the amount and that it was from 2002. He has no debts in…
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Old overdraft/capquest/ccscollect
Hi All An old overdraft that I have not settled from a time a business went bust has come back to haunt me. I was in an IVA 3 years ago but just couldn't afford it and it failed after about 1 year. The creditors didn't chase for years but now one RBS overdraft seems to have been sold to capquest and ccscollect are…
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Expirian Credit File Has Other People On? How to Remove?
Just got my credit file to see why i was being declined for credit. I have a good file myself, but for some reason, my mum ( Who has a poor credit history - with debt management ) is linked onto it, and it shows some of her searches. Im her son obviously. We dont have anything credit wise together, so theres no reason to…
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Collections & loans
Hi, I've got a question I hope that someone can answer more clearly than my bank! I recently received a letter from natwest telling me my unpaid overdraft of -£380 had been passed to collections. It stated that if not paid within 28days my default would be passed to credit agencies etc. I paid it off as soon as was aware.…
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On a DMP - did you ignore letters from lenders??
We started our DMP in Jan and CCCS took our first payment start of this month and so will be going to lenders next week... Now all the letters have started arriving for various accounts that we have not made the min payments etc... Most have been saying they accept the offer from CCCS etc and have stopped charges for now.…
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withdrawn full & final settlement
A few years ago my marriage broke up with a huge amount of debt. About 5 years ago I was awaiting remortgage to include funds to settle all the credit card, bank and loan debts. I received an offer letter from a debt collection company on behalf of Alliance & leicester (the largest debt - a £14k loan) and they offered a…
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Just left Debt Managment programme
Hi Guys, Just a quick question, me and my partner have recently ended our debt management program we are still in a sticky spot with debt and as he is on the current mortgage with his parents we have gone to them to suggest a further advance, My question is that even though my other half has a very poor credit history is…
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advice on what to pay first
Hi I'm just after a quick bit of advice and opinions on which order to pay of our debts. I understand that we are lucky in that we don't have a huge amount of debt outstanding in comparison to others but we are in a fair bit of negative equity and as we would love to move to a bigger home we're feeling sorry for ourselves…
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hidden facts from dm where to go now
OK please bear with me as there is history and current issues for years my husband and i have had debts.paid them off had more,got loans etc etc. in 1998 i gave up work with long term health problems and because of my health my husbands teenage gambling reared its head again. i have been back to work given up again etc etc…
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help or info regarding charging order
hi everyone, i just need a little help advise on my situation. drydens on behalf of creation finance credit card obtained a final charging order on 1st february, this isnt a full charge as the property is jointly owned and the debt is in my name only. so its a restriction. the debt is for £1244. i have been trying to pay…
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SOA Advice. Starting Dmp.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1340…
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CCJ Help & debts
Hi there, I am after a bit of advice really, I have a CCJ on my credit report that I got in 2007. I made payments towards the debt on a monthly basis then stopped (I can't remember why!) Then I got a letter from a dca chasing for the balance which I ignored initially. I am now trying to clear all my debts ups so contacted…
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Spreadsheet
Not very good on computers but does anyone no were I can find a good budget spreadsheet/graph were I can see my debts goind down.
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Moorcroft and Orange bill
Hi Wondering if someone on here could help! My boyfriend had an orange contract last year that ended in November 2011. For whatever reason he didn't realise that the last four months of his contract (august - november) did not come out of his bank so when he ended the contract he received a letter from Orange asking for…
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Help with Capquest/JDWilliams/PDCS [>>UPDATE<<]
Hi everybody! So, having dealt with CapQuest on a previous occasion, some years ago, I knew this time to go in with a prepared mind. Notes were taken, et al. Some background on the progress so far, and then the point where I need a pointer or two. 30th of December, 2011, I recieved a letter from 'Past Due Credit Solutions,…
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Can payday loans be included in a DMP?
Hi, I am another victim of the dreaded payday loan cycle. On the knowledge that I would be receiving some money from an insurance claim I have borrowed money from several payday loan companies. I have repaid the interest on several occasions but am continually left struggling with the finance charges and am now fully aware…
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Divide your cash into envelopes
I have found this to be a brilliant way of either getting out of debt or staying within your means. When you get paid take all your money out of the bank (obviously leave any money in there to cover direct debits/overdrafts etc) if like me you get paid a certain time each month work out for the month whether your next pay…
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Aktiv Kapital and old debt
letter recieved at previous address ( dads ) It says : Dear Mrs, We are trying to contact Mrs ....... ........ with regards to a private matter. We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who previously lived at the address above. We act on behalf of…
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My quest for a debt free life
Hi guys. I used to have quite a bit of debt is excess of 9k. I've been working hard at work and concentrating on all my savings to pay these off. I was unfortunate to land in such high debt. Mainly come from me getting loans out for my dad to save the house, to which he took the money and vanished and never paid me a penny…
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Is this correct?
I write in relation to your request for a copy of your original Credit Agreement. I have taken advice on this request and it appears that the is no obligation on us to produce a copy of the actual agreement executed by you. section 77 of the consumer Credit Act imposed an obligation to supply a "copy of the executed…
