-
Postal Order or Cheque
Is it best to use a postal order or a cheque when requesting statutory information related to defaults etc?
-
Robinson Way Next Step
I received a letter from Robinson way saying that I owed them £249, I had never heard of this company, so I questioned the debt by sending them the following letter 1 High Street, Newtown, Kent R21 4RH October 9, 2007 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG I do not acknowledge any debt with…
-
Best way of becoming a home owner again? Full final settlement vs IVA???? HELP!!!
Hey guys anyone know the quickest way of becoming a home owner again? Ie being accepted for a mortgage whilst sorting my debts out? Full final settlement vs IVA???? HELP!!! Long story short 2010 was a bit of a financial nightmare, up until then I had a high paid job & the lifestyle (&debts!) to go with it but I never…
-
Moorcroft debt - UPDATE
**UPDATE** I spoke with my Dad and for various reasons he has said I have to get rid of the debt asap as it is his address it is registered to and someone in the family works in the legal profession so can't have this on her address. I called up the debt collector and enquired about a full and final settlement. I asked if…
-
sorting out my payday loans
Hi guys! Im a newbie to this site so Im sorry if I repeat anything that has been mentioned or is easy to find elsewhere. I am a supply teacher on quite a good income. However, at the start of this academic year (09/11) there was no supply work available. As I went without work for a few months I stupidly took out pay day…
-
Tuesday 6th March - What small DFW things will you be doing 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Removing default notices
Hello, I am an occasional poster. I am wondering if any members have had any luck having defaults removed from CRA's. I had 7 default notices and now have 4. I had two removed by Orange. I wrote a letter simply requesting that they were removed as it was affecting the life of my wife and child. They sent me a letter 2…
-
another payday loans
i have copied this here for the op while they wait the moving of the thread,please reply at the moment to the link https://forums.moneysavingexpert.com/discussion/3833059
-
Newbie Debt-Free Wannabee querying balance transfers
Hi All, I wasn't 100% certain whether to post in the credit card section or here but decided on this one. I'm inthe process of paying off debts and have just paid off a second account in mydebt snowball (payment transferred about an hour ago ) I'm nowstarting to approach the higher balanced Cards with high interest rates…
-
Letter from Cabot Financial
Today I received a letter from this outfit asking for a payment of £199.58 in respect of J D Williams Mail order. This goes back to 2008 when I had fraud on my bank account by a student I had lodging here for a few months. She purchased goods in my name and even made a couple of payments (out of my bank account) then took…
-
Can a Bailiff be Sued for Breaching the Data Protection Act
Evening All, I've come home from work this evening to find a Bailiff had attended my property while no one was home in regards to outstanding Council Tax from 2010. I have been attempting to make payments however when i called on 25th Feb they refused to accept my payments any longer. The bailiff has attended my property…
-
DMP right for me?
Hi all, Need some advice on getting out of the real hole I've put myself in. Through living beyond my means I've found myself with the following: £587 overdue debt with Wonga.com, £900 due with QuickQuid (2 payments, first one of £150 due end of the month) £1000 behind on council tax (still agreeing figure) £800 with MBNA…
-
Help! Provident and logbook loans
Hi I'm worried about posting as I do not want to be judged or people to be nasty to me but I need to share my worries. I cannot take the stress anymore. I am married and have 2 children. We have a provident loan and a logbook loan. I work part time and my husband looks after the children as I can earn more money. At the…
-
Forum taking AGES to load!
Evening all. Sorry to moan. I've seen talk about this on other threads but this board has a lot of traffic. Since the redesign everything seems to take ages to load - really sluggish and very frustrating. :mad: Can I ask if anyone at MSE Towers is taking account of what the Forum Users are saying, and if so, what are the…
-
I'm new and on a mission to become debt free - any help appreciated!!
Hi, We are in debt, we owe £14,000 we have 2 credit cards (on 0% until Nov then Jan 13) a bank loan £6,500 (13.9% paying £100 a month interest) a stundent loan (approx £750) due to end in December costing £92 a month, a small loan of £500 (0% being paid off at £30 a month) We have recently been gifted £1000 from family…
-
Removing a ? Invalid default
Hi all, I have come here for some advice in regards to a "default" placed on my account by Vodafone in January 2009. I shall explain the situation in bullet points as its rather complicated! 1) A bill was run up on an old phone of mine which I was unaware of- the bill arrived in September 2008 ( all this bill was run up in…
-
Statute Barred - Some advice
Hi All I was just wondering if anyone has had any dealings with debts that are statute barred, and how it has been handled re: debt collectors? It isnt for me, its for someone I know who is sure that they can claim a debt as statute barred, but I have had no dealings with something like this, and I dont want them to get in…
-
default
i have recently applied for a mortgage and been refused after checking my credit report i have seen there are two defaults on originally from British gas one for 106 pound and one for 33. it says settled at the side as i paid robinson way a debt collection agency just so they would stop ringing me. i did not owe British…
-
How do you deal with the fear?
Oh I suppose I just need some reassurance. Cleared my credit cards today, and my Next account. The biggest CC was barclaycard who I phoned to close the account. They, of course, tried to entice me offering to drop my interest rate by 6%. I stood firm, closed the account, cleared the balance and am awaiting my letter of…
-
question re. PPI reclaim vs defaulted bank loan...
A strange question that noboy whos opinion I've courted seems to have the faintest idea how to answer so I'm hoping somebody can help! This may well be posted in the wrong section so apologies. The beginning is a good place to start so we shall head there. In May 2007 I took out a loan with AA (i think it was Bank of…
