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Akinika calls. Need advice!
Hi there, I will explain shortly my problem. I'm a 19yrs girl who sold a few months ago a SSD on ebay which was sealed and brand new, at the price of 235.00£. It turned out to be faulty and the buyer requested a refund which I couldn't give as i didn't have money or an income. I sold it because i needed money to pay my…
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NDR help please
Hi, I'm currently in debt with Very catalogue for £1425.63 due to being made redundant whilst being pregnant and struggling to get back on my feet. I have had my debt passed over to NDR which I understand is Very's in house collection team. I have offered to pay them £120 a month which is the maximum I can afford but it…
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Debt paid before court date
Okay apologies because this is for a friend so I don't have full details. Basically both claimant and defendant are mentally disabled. After holidaying together defendant borrowed £100. Long story short claimant issued through county court for £120 plus court fees (not sure if interest was calculated but this was basic…
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dmp and moorcroft
Hi im on a dmp with stepchange since last october and today i recieved a letter from the halifax saying that i need to contact moorcroft As the halifax have now passed it on to them ..any advise what i do next ..do i need to phone them or stepchange .. thanks
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Settlement Letter
Interesting that 5 years ago in my settlement letter to a credit card I offered % as partial settlement & more importantly i added that my credit show as "satisfied in full". This means and was confirmed by the lender recently as i am now in dispute....account fully satisfied & default removal. Now that was my terms as…
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How Is A Default Responsible
I feel into trouble with a lender and agreed a 6 month £1 token payment, they then defaulted me 30 days later and in complaint they believed this was responsible???? A default doesn't set you free, it remains on your account for 6 year causing nothing but aggravation....how is it responsible lending? 6 months later i ma…
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Tackling it head on!!
Well until just now I thought I was the only one obsessed with becoming debt free but it looks like there are a whole bunch of us :) I have been in debt for as long as I can remember in my adult life. Mainly through stupidity and then through borrowing to consolidate debt I couldn't afford and trying to live using…
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Prove it letter?
DH and I have written to his old Lloyds account re 3 business loans he had. The loans were sold to us with the insistence they be covered by insurance. We supplied sort codes and account numbers. DH is in a DMP repaying these loans totalling over 30k. We have today heard from Lloyds that they are not holding any details…
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Iva
Pay plan have recommended intake out an IVA and I have been booked into a phone interview next Tuesday when my case has been passed across. What do I need to expect?
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Cabot/Restons CC Debt
I had an Aqua CC which I had just over 10 years ago. I defaulted and stopped making payments. Fast forward to 2015 I got a court claim from Restons via Cabot. I sent off the postal order to Cabot and sent off a letter to Restons after receiving the claim. I haven't heard from Restons since the claim was issued. Cabot…
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dmp??
Will me been ina dmp just affect me or my household???
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it's the last day of April ...how was it for you?
Hello fellow DFW's End of the month report.. OD unused (again) first direct must think I've died! CC unused! But only paid minimum. No addition to EF challenge. Managed to cope with daughters birthday and weekend away in London all from my budget. Bagged clarity card for summer holiday. Notified today of £45 increase in my…
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Which credit card to repay first
Hey people, hoping someone can give me some advice. I have 3 credit cards; 1 - M&S interest free until May 2016 - Balance £1950 - Old balance transfer 2 - Nationwide interest free until March 2017 - Balance £2800 - Old balance transfer 3 - Tesco interest free November 2016 - Balance £1700 Now, I use the Tesco card as my…
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What time do direct debits leave account?
Just curious whether anyone actually know the time in which DDs leave a bank account? I thought it was first thing but now I'm not so sure.
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debts all paid off....nearly
Just checked my bank statement online and my last big loan payment(£390) has left my bank this morning! I now have a total of less than £500 debt(owed between 3 creditors) which i can clear in one next payday. It has taken me two years to reduce my debts from £38k(i only earn £40k, wife £25k), I down sized my new range…
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Can't believe I'm here - over 50% paid off
started over 4 years ago with debts of £63000 - as of this week have 49.7% left to go, and a dfd of 2 years!! Sorry to put it here, no one to share it with in real life :o
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Payment made to original company, not debt agency
I had a debt with the SLC which was passed to Akinika debt collection. I've now paid them in full and sent a list of all payments and their dates to Akinika and asked for confirmation of the debt being cleared. I received a letter back stating they had received 3 payments, not 5. Even though the 2 missing payments I…
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Thursday 30th April - What small DFW things 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 progress, when…
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ccj for (underage) sons phone contract
Hi there We've just had a CCJ through the post for our son who has recently joined the armed forces and is not at home at present. It is for an unpaid mobile phone contract with 02 but the debt has been bought by Lowells debt collection agency. I'm going to write to them tomorrow (tried phoning them today but they wouldn't…
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intimidating behaviour from Marston bailiff
This morning I received a visit from an enforcement officer from Merston bailiffs. It was for something related to a previous tenant, who lived here more than 3 years ago but he still uses (or better abuses) this address. I constantly get visits from officers and the police and it get resolved straight away. This guy…
