Debt-free wannabe

Archives for January 2015

Stars
What are the stars/symbols under posters name mean please? im sorry - wasnt sure where to post this question
No response from DCA
Hi I received a letter last year from Aktiv Kapital regarding a debt that they had in my name, I wrote to them in November using a template letter requesting a true copy of the alleged agreement. they responded on 27/11/2014 informing me that they were attempting to obtain further information from the original vendors. I…
bank dept - how much do I settle for?
,,.,........
Help!! Advice needed!!
I have around 8k of debt and am definately going to be owed a tax rebate... do I claim now and get my tax codes sorted and potentially not pay tax until April or do I wait until April to get it sorted and get a nice cheque come through (from what I have calculated around £1000)
Rob Way & CCA request - they returned my £1!
Hi, I sent a CCA request to R. Way and on the same day they received it they sent a letter back to me: it contained a really shoddy photocopied document which had a tick in a box and a handwritten note saying 'documents have been requested' and they returned my £1 postal order. Do I now just wait to see what turns up next?…
Partial Settlement - Bank of Scotland
Hi there, I was hoping for some advice about a credit card debt. My husband has had a debt management plan with BoS for 9 years, paying £6 per month on a £3000 debt. The account defaulted in October 2008, so it no longer shows on his credit report. We have tried to settle in the past but BoS will only accept 75% of the…
Debit Card Loans Ltd
Hi all, These where a payday loan company but I cannot find any details at all for them online anymore however I have an old ccj with them which I wish to pay and the court has said I need to contact them directly but they only have and address not a telephone number. Does anyone have a telephone number please? Thanks
Credit report help
Hi, Will lots of satisfied accounts in my credit report affect any future applications in a negative way? Many thanks
Reston solicitors/marlin/Cabot - claim form issued
Hi all I was wondering if you could help. I have received a letter from Restons asking for payment for a debt I do not recognise. I have sent Marlin the prove it letter in the past but not received any response apart from a letter saying they are passing the account onto solicitors. Please could you advise what I should…
CCJ claim form received.
I have in the last ten days received papers from a court requesting details from me in regards to payment, the debt is from 2006 and we have not been in contact with them since then. Am I to late to send a statute barred letter now they have sent court papers? If I can still do it, how do I go about doing it? I was…
Robinson Way letters!
Hi all Hoping for some advice. Had a letter previously saying you were at xxx address and you're now at xxx address (both the same and my current address.) Then a text saying my payment was due. Now another letter saying 'After discussing your affordability we agreed you could pay overdue amount in installments' and that…
Sat/Sun 31 jan and 1 Feb 2015. What small DFW stuff will you do 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…
CCJ, When does the Statute Barred period begin?
I received a CCJ claim form with issue date 5th January 2015 earlier this month. It is for an amount of £575.26 and is owed to "Shop Direct Finance Company" for a catalogue account opened in 2008. I have managed to find an old debt letter that I had kept which states the credit agreement date was the 19th October 2008.…
Clearing an overdraft cheaper
I know this sounds like a stupid question but can anyone suggest a cheaper way of clearing an overdraft? One of my 2015 goals is to clear my 2 ODs and I've got as a 1 debt v 100 days to clear one of them but it struck me that I'm paying £6 a month just for the privilege and then, on top of that there's the interest So is…
Vanquis payment protection plan
Hello All, I have maxed my Vanquis card, £3000, which charges me approx, £40.00 each month for payment protection,should I cancel this and use the £40.00 to pay more of my Vanquis credit card, I have a poor credit record, and cannot transfer to a 0% balance transfer credit card or get a low % interest loan,I have one…
cheeky or needs must ?
Setting up a iva or dmp over the next few days but really don't know how I'll get through this month just thought maybe get a payday loan and then ring to sort the dmp tomorrow do able or not ?
OD headache!!
Hello all, this is my first ever post so please please be gentle with me. I currently have an agreed overdraft of £2200, which for the last year I have lived in to one degree or another. The reason for this is solely my own fault, overspending and not keeping on top of it. My New Years resolution this year is to be debt…
Clearing debt. Help needed please.
Have also posted this on debt free. I really need some help. I have the following Debts. I need to get rid off. Or at least reduce my out goings without affecting my credit file. Barclay card:£1,913.77 (limit £12,500) (apr 26.9%) Next: £819.83 (limit £3,600) (apr 24.9%) -- store card Very: £753.91 (limit £5,650) (apr…
Old Debt
I completed my trust deed in March 2014. A few months ago, I received a letter from Eurudio (sp?) asking for payment for an old student loan. As this was from 1997, I wrote back to them believing it to be statute barred. I haven't heard anything back until today a citation was delivered to my door. It states that a decree…
Advice please
Hi there Myself and my partner have been together about 12 years and after being debt free about 3 years ago have managed to rack up an impressive 55k worth of debt. This was caused mainly by my partner being off work with anxiety and an the unexpected birth of our daughter. I have a decent job (ironically in the credit…

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Debt-free wannabe

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