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Could a business account be closed because one director has bad credit?
Legally a business account is a separate legal entity no? So if a business account already exists, with 3 directors having their own separate accounts, and say 1 director ends up with a CCJ or goes bankrupt etc, could they shut down the entire account because of this one director? or would they simply revoke his access and…
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Help! Natwest being poor again
I am sick to the back teeth of this terrible bank. I left them ages ago as they are a p*** poor bank and now they are spinning a line to my girlfriend over an un-authorised transaction. We purchased some vouchers on-line on Tuesday Morning, and it stated the first transaction was declined. We did it again and it went…
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A How-To guide on keeping motivated...
When your bank account is being emptied so that payments are made and the balances are coming down, the number creditors are disappearing 1 by 1, nobody can deny that your efforts are paying off (pardon the pun) but in the process you’ve had to forgo things you used to have, new clothes, nights out, owning a car, holidays.…
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House Reposession - urgent help please.
Letter arrived this morning from local court that as we did not attend a hearing and we must leave our house in 3 weeks. We struggled paying the mortgage a few months ago. Got 4 months behind due to tax credits not paying and partner not earning much. We spoke to Northern Rock, paid of some of the arrears and after cutting…
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Cancel Equifax with a simple email...
These scumbags will have you believe that you need to phone up their number and go through 15 minutes of questions etc at your expense, but legally you can cancel just by responding to their email: equifaxuk@mailuk.custhelp.com Just tell them you want to cancel, and that this email is legally binding. Stops them from…
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Brickin' it!
Hi there, Im another newbie to this forum, and like so many, im struggling with debt (and life) at the moment. My father had left me his house in his will, which i moved into with my then partner a year before his death :( I struggled looking after Mum when Dad passed as she had dementia, but like any daughter, i got my…
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My story/I mean it this time..
Hello all, I very new to this forum, only really started looking around yesterday. Boy, I wish I had found this a long time ago! There are some inspirational stories, and wonderfully helpful people on here :) I know everyone says this, but "sorry for the long post", but mine WILL be long, lol. I will try to condense it…
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Help sinking in debt
Myself and my ex bought a house in 2005 on a 100% mortgage. We never married or had children. We split in 2009 and for the 1st year she payed her half but always insisted it came from her account and i give her cash. After the 1st year i met someone new and we lived together in the property. I then have solely paid both…
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T4NK's pursuit of £££'s
Good morning all, I have been lurking around for a long time now and would like to be involved with the site as it seems to be a thriving hub of information with very knowledgeable people...So where better to try and become debt free!? I am 25, I have a lovely Fiancee and daughter who is almost 2 years old! We bought our…
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Thu 19th Sept - What Small DFW Things Will You Be Doing Today?
When we start out on the Debt-Free Wannabe 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…
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No longer a debt-free wannabe!!
:beer::beer::beer::beer: :j:j:j:j:j In March this year I quit my job, because of ill health/wellbeing problems... I had around 5k-6k of debt which was mainly furnishing my first home, buying a car, MOT problems etc (I don't know the exact amount now as I've paid things and took them off the list). Thanks to my wonderful…
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Is my debt unenforcable/statute barred?
Hi. My situation is very similar. It's 6 years old with no payment made. Alliance and lister but they have now sold the dept? Can they apply for a ccj or default? And can they peruse the dept as they are a fresh company? Thanks.
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Aktiv Kapital Gift Voucher letter
Hi, I am with Payplan and quite a few years into my plan - started in 2003!...One of my creditors (LloydsTSB) sold on two of my debts in January to Aktiv Kapital. Haven't heard much from them since then, until recently when I received what they call a "Gift Voucher" informing me that I had been 'selected' to receive a…
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Drydensfarifax committing Libel ???
hi Guys Looking for a bit of advice and also to see if any one else had had the same with Drydensfairfax. If you have then I would like to join forces with you. This may need a new thread but I am new to this so if any can help then please feel free to point me in the right direction. OK Here is my story. Over 20 years ago…
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My SpeedCredit horror story
Hi all, This is a bit long winded however I thought I would post my recent dealings with SpeedCredit aka Marshall Hoares Baliffs aka London Treasury Services. I only has £275 remaining to pay to them (now paying £50 a month). This was originally a £400 loan and I have already paid them £925 in total. I have already made a…
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Full & Final Settlement Accepted??
Hi I am a long time reader first time poster here and I was wondering if you could help me with a full and final acceptance letter I have received and if this is truly full and final. The contents of the letter is as below: In reference to your letter received in regards to settlement on the account, I can confirm that…
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RIP Full & Final Settlement?
Hi all, I've just been on the phone to 1st Credit in response to an offer of a discount which I said I would like to take up to clear that particular debt. I was told that it would be marked as a "partial repayment" and would appear as such on my credit file. When I asked the guy why it would not be marked as a F&FS he…
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Buchanan Clark and Wells!!
Hi, I received a letter from these people a week or so ago asking me to verify if I was the above named person. After reading some of your comments I decided it was best not to!! I have now received a letter detailing who the debt is to, how much it is etc. Although the debt is a valid debt it was part of a debt management…
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Credit card, is this allowed?
Due to personal circumstances involving sickness, maternity leave, redundancy and having a baby, I have ended up racking up a credit card bill of £1080. I changed my address with the bank to where I currently live, however have received no bills / letters from them for several months. It is my own fault for not taking…
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Repossion order - Help please
Posted in another forum as wasn't sure where is best - sorry To cut a long story short, my sister split with her ex-husband 5 years ago. He remained in the family home, she left with the children and rented privately. The house is in quite alot of negative equity and is an interest only mortgage (with no savings to pay it…
