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Weekly Spend Challenge w/c 18th Mar 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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advice needed
Hi all. I am trying to sort out my debt problem without going to one of these companys that get u IVA's etc Basically i got myself in this mess after a failed marriage, I had debts from home improvements etc and also from not being very restrained after we split, kinda living my youth again, Anyway now im left with £17,000…
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Philips Bailiff Advice (Distress Warrent) Want more money than is owed?
Hello All, A few weeks ago, I revieced a bailiff letter from Philips Bailiffs in the post. I didn't think much off it as I was sure that I didn't owe anybody any money. A few days ago, I recieved another letter from Philips Bailiffs 'Notice of intention to enter and search your premesis' It is a Distress Warrent, which…
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Stirling Park - Wages Arrestment Cancelled But Money Still Debited.
Hi everyone, I'm new and need a bit of advice before I call Stirling Park on Monday. To shed some light, I lived in a flat while I was a student. I lived with my best friend at the time however she was not a student hence making me still liable to pay Council Tax. I later found out that my flat mate had not been paying…
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Can anyone advise with regard to Fredrickson Int?
I know there have been lots of discussions on here already about these DCA morons, and I have read a lot of great advice. Fredrickson are chasing me for a debt of £66.81 that they claim I owe to Capital One. I have no knowledge of this debt. I contacted Capital One with the account number supplied, but failed the security…
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ARC Debt Management - F&F settlement paid 12 months ago now they want more
I'm hoping someone can help. I sold my property last year to pay of my debt. Most of them were paid with a reduced F&F settlement. Now I'm being contact by this company asking for more. I told them it was settled but they are asking me to prove it... and guess what, they never confirmed the settlement in writing. Where do…
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CCA Request not complied with?
Dear all, I really hope you can help me with a problem concerning a collection agency. I have a disputed debt and a while ago I requested a true signed copy of a CCA. The collection agency replied and acknowledged the request, but failed to return a CCA to me. I waited the statutory amount of time and sent off another…
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How is this particulars of claim?
Hiya! Posted a couple of times about a situation my boyfriend is in. Long story short, he and this girl rented a flat together, she couldn't be bothered paying for anything, left the flat with no notice owing my boyfriend a considerable amount of money and now he's left with a flat he can't afford. She won't reply to any…
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Old Overdraft ccj
Hi all im trying to clear all my debt and at the moment seem to be stuck arguing with capquest they placed a ccj against me many years ago for an outstanding sum of £300 after talking to them they are telling me I now owe £500 do I only need to pay the amount outstanding by the ccj or am I supposed to pay all of it…
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Barclaycard restarted interest!!!
On a dmp with the CCCS. Got a cc statement through from barclaycard this morning which shows they have restarted interest. Although i understand that they are well within their rights......we will never get away from our dmp at this rate!! Is it cos through the CCCS we are paying more than our minimum payment needs to be?…
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help with phoenix recoveries
Hello, I defaulted on a natwest credit card back in 2004, and both natwest and phoenix recoveries had the default showing, when it should have only been one of them I complained to phoenix recoveries in 2010 but they wouldn't remove it. Any way i thoughT after 6 years it would be removed. Got my £2 credit report from…
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AK ignoring CCJ
Back in 2006 I received a CCJ for an amount under £1000. This has been dealt with and will come off my Credit Files in April 2012. However, AK have been regularly sending this debt for collection (it would appear they think they have no knowledge of the CCJ as they have placed the same default on my CFs.) So hence 2…
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Free debt repayment - Daily mail article
http://www.thisismoney.co.uk/money/cardsloans/article-2090031/Debt-advice-services-offer-lifeline-crunch-drives-borrowers-despair.html Looks like there are lots out there at the moment who are struggling. Great to see a national paper highlighting CCCS, Citizen Advice & National Debtline
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Robinson Way Limited bothersome letter!
Hi all, this is my first thread :) hope someone can help me out as I've noticed that Robinson Way are familiar to some of you. A couple of weeks ago I received a letter from the offending company asking me to confirm if my address was correct, straight away I checked online to see who they were and as to be expected was…
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advice please!
Hi All My debt is primarily between a loan with halifax which I am paying 12.9% and a barclaycard which is 8.4K Is there any way to reduce the interest on either? Have approached Barclaycard and they said no. I am also being turned down for credit so I can't move the amounts to lower interest rate cards Thanks
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Can`t cope with this
I don`t know if this is the right area of the forum to post this.Apologies if it`s not. This morning, I recieved a letter from Credit Security Limited, demanding that I pay them £386.67 by 23rd March, otherwise doorstep collectors will come. The total amount owed is £787.89. The debt is for bank charges with HBOS. I owed…
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much needed advice about statute barred debts
i have variouse debts that are months away from being statue barred and some that are all ready statue barred probaly about 10000 worth my questions are 1) i want to be debt free for once and for all i was going to start trying to pay everything off, im a single parent and dont have a job at the moment so i will be paying…
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Where to go now!
Hi Guys, I'm interested in your thoughts on a bit of a dilemma I have after having some F&Fs accepted and how I move forward. I was fortunate to get a bit of money which has been used to offer F&Fs. I have phoned all creditors over the last week and the majority have said they would not even consider an offer because I am…
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Debt Free 30th march 2012
Yes, after all of my adult life being in debt at different levels on 30th March I will receive a decent redundancy payout and that is the day I go online and pay off my debts. It will cost me around 50% of my payout and the rest will go into an ISA and the balance into my savings account. My Barclays overdraft has been…
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Sat/Sun 17th/18th What small DFW things will you do?
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…
