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5 years old debt
I recently recueved a letter about a debt to barclaycard. Having looked further into this the debt is mine and my last payment got made on 26th jan 2010. Is there any kind of loophole for this to avoid payment at all as it's been so long?! Sounds cheap though I'm not exactly rich! Cheers
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How to offer a one-off repayment to close defaulted credit card debt
I have a defaulted credit card debt on my credit report which I would like to settle. I don't have the full account details, only the last few digits of the account number as written in my report. I am going to write to the credit card company (Capital One) but I am wondering how much to offer. E.g. what percentage of the…
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Cheque confusion!
Sorry didn't know where to post this! Basically I've written two cheques from My account and realised there isn't enough money to cover them! I've rung my bank to see if they were likely to go out tomorrow as if have to go to town to put money in... She said they have not been presented yet... So I said that's great il…
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Shoosmiths/Cabot Financial
Hi, I wonder if you could advise on the following. I am being chased by Shoosmiths for an outstanding debt to Cabot Financial. I am not aware of exactly what this debt is for and previously wrote to them to request information. Whilst I have not acknowledged the debt, I was previously in financial/debt problems and it is…
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Debt has reached £20,000!
"post deleted, found what I needed"
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Help with Defence for court claim please
Morning folks Im trying to get my defence written to defend an attempt of a court claim from MCE. I have sent a CPR18 request and filed the acknowledgement of service but now need to get my defence across shortly. I have written the below which shows the correspondance of them never being able to prove owning the debt does…
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Thursday 2nd July - 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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What is the absolute minimum you need to survive on?
So i was just messing around with YNAB tonight and thought i'd tot up the absolute minimum i need to get by. So i have totted up the things that i have to pay or in one or two cases think that life would be just too tough without. I don't need to live on this amount but it was an interesting exercise and it was actually…
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Shop Direct/ Arrow Collections Consumer Credit Agreement Request Response
So a year after I wrote in with the token £1 I requested an original copy of my Consumer Credit Agreement with original copies of Default Notices sent as proof these were issued. I just got this response after sending my request in July 2014. What is the next step and what can I do now???
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1st Credit Threatening Bankruptcy
Recently 1st Credit issued a statutory demand followed by a bankruptcy petition for a credit card debt 3 years ago for £4462. I'm worried and don't know what to do next. I've done myself a budget sheet to see what id be in a position to be able to pay back but I'm struggling every month to make ends meet as it is so would…
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£645 mobile phone bill, need advice
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Which debt should I shift?
OK, so today Santander have sent me a 123 credit card. It's 0% for 23 months on Balance transfers and )% transfer fee (the card costs £24 per year but that's fine). The limit is £2100 so I can't shift a full CC on to it sadly Debts are: Description....................Debt......Monthly...APR…
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County Court Letter requests I attend to receive documents in person
This is the letter I received: I don't know what it's about. I've had County Court Bailiffs come before regarding unpaid Council Tax but it was resolved. Any ideas what documents need to be given in person? I don't know why they didn't just come to the door. Thank you.
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defaulted whilst with debt advisor. help!
Hi, I have just about saved enough to finally get debt free! We have been using CAP (christians against poverty) for just over 3 years, but I can't get an answer out of them for this issue. When we first started with them, we had continued to make all payments on loans but couldn't afford food etc. They had a list of…
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Flaming June - how was it for you?
So we DFWs' wave goodbye to June and the nights start drawing in !!! As i posted last week i have had a serious case of 'fritteritus' which has knocked me off track a bit. Nothing serious but a timely reminder to keep a grip on things and watch every penny. Upward and onward. How was it for you?
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HSBC shutting my account, no info given???
Please move this post if there is a better place. Basically out of the blue had a letter from them telling me my account will be shut in 2 months. I suspect it is either the fact I am using it for business or that I never get charged for being overdrawn despite being overdrawn many times in the month and them still making…
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Wednesday 1st July - 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…
