-
In the beep! Need advice
Hi all, I've gotten myself into deep water and can't find a way out! For a past year or so I have been gambling on online sites. But this month, it's now come to ahead for me. I blew all my salary on gambling because I have my car insurance and MOT to pay for, that I'm short of.. I thought that if I gambled I would win.…
-
CRS txting me every day over old Pixie Loans
Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 yearsicon) to a payday loanicon company Pixie Loans. They only text, never call and I never received any letters…
-
Meet Cleo
Has anyone used or even heard of 'Cleo' the app which helps you stay on track with your finances. I wanted to get first hand information as to whether its any good or not...or even legit in the UK !
-
Am I statute barred?
I have an old Barclaycard account from over 8 years ago. There are no records of this on my credit file. I have now received a letter from Robinson Way stating I need to pay them the account (less than £1k). As there has been no contact with anybody over this account for over 8 years, no letters, payments etc, it is not on…
-
Desperate to get out of my debt
I really need some advise. I have never missed any payments so haven't defaulted. But I am in lots of debt and need to get it cleared as it causing me anxiety. So I called MBNA with whom I have 3 credit cards totalling approx. £8k to explain this. They immediately froze the cards even although I haven't used the cards for…
-
On a DMP that includes First Direct Loan
Had some good news. I have a loan with First Direct which is in my DMP and they have written to me to state that following a review of loan accounts they have discovered that they didn't inform me of the right to make partial payments at any time during the course of the loan. As a result they have refunded £685.90, and…
-
Arrow Global Guernsey Limited address
HI all, wonder if someone could help! I am trying to send the CCA request to Arrow Global but struggling in finding their correspondence address. Even their website states that I would need to contact the agency who manages the account on their behalf. I do not want to send the CCA request to another company where the debt…
-
Robinson Way Statute Barred
Hi All, I have a problem with Robinson way. They have sent a notice of pending legal action via Howard Cohen and Co. I had a default on my file which came off early part of last year. The default date pointed to 2010 but I believe it would actually have been in 2009 and Hoist amended it. The letters began just as this…
-
CCJ Advice
I received a ccj today regarding a debt from over 6 years ago. It's probably about 8 years old. Would they be able to enforce this due to the age of the debt. I have been told by people that once it is over 6 years old. They're is nothing that can be done about it. How would I go about getting this point across if that…
-
CCJ/ set aside advise please
Hello, My partner was recently made aware of a CCJ against him by letter which was sent to an old address of his (his parents home). His parents have given him two letters, the most recent was an attachment of earnings order (dated 12th of April) and a letter from the claimant Arrow Global dated back in 2015 which stated…
-
Just had debt advice
Just had a phone call from debt advice foundation. They have advised us we should give ourselves a certain amount to live on for the month and the rest gets spread across our debtors. This would be paying them without all the interest, and we should be debt free in about 2 years. Yes our credit rating will be knackered but…
-
Moorcroft / RBS - I don't agree with the claimed balance
Hi all, Over 10 years ago when I had significant financial issues, my RBS Visa card debt was dealt with by Intrum Justitia. I arranged to pay £1 per month. A few months ago my payment was returned to the bank. A while later I received a letter from Moorcroft claiming an amount several hundred pounds greater than the…
-
Secured Loan/Elderbridge Ltd - Advice Needed Please!
Hi everyone, having read through related topics on the forum, would still appreciate advice and possibly own experiences. I discovered a few months ago that my husband had the secured loan with First Plus, which was later sold to Elderbridge. He took this loan many years ago, and presumably payments were being made until…
-
RCI financial services ?
Just wondered if anyone has contact details for them? Or link to correct website, for some reason I'm going to French website and I can't change it to English? eager to get in touch about a settled default, I'm hoping I can get it removed :j
-
Halifax refusing DMP
Hello Everybody. OK and breath! Last month I had my LBM and contacted StepChange. They recommended a DMP to pay back 4 creditors who I owe a total of £21000 between them. Had to tell my DH and he went mad but calmed slightly when I told him of the DMP. My first payment is to go out on the 1st of June but i received a…
-
Credit Resource Solutions
Hi there, I moved overseas in May 2014 and closed my account with First Utility. Since then I've not received any further communication from them until yesterday when I received an email from Credit Resource Solutions telling me I owe £199.23. I have asked for them to send meter readings as I don't believe this to be true,…
-
Almost debt free, buying house now, but need money.
Hello all, so here's a question for you. I am now, virtually debt free, and this has allowed an element of freedom in my life. With my improved credit rating, we have been able to apply for a mortgage (15 yr term), something we have been wanting to do for a long time. We have an agreement in principle, and have made an…
-
Anytime Fitness Debt Collection Threats
Firstly I hope I am posting in the correct place. Basically I signed into a 12 month agreement paying £30 a month. After 6 or 7 months I began suffering from depression and struggled to leave the house. This meant I didn't use the gym and I kept calling in sick to work, didn't really go to work and then left my job because…
-
Advice to review credit agreements (enforceable or not)
Good Evening Everyone, I am after some advice with regards to reviewing credit agreements as to whether they are enforceable or not. I have a debt of £13.6k with Capital One who have sent through my credit agreement which was signed in December 2005. I am looking for someone to review this file to establish whether it is…
-
Help with Npower + Past Due Credit please
Roughly 4 years ago my husband received a demand from Npower for money from a shared house he lived in years ago, where he had already settled the bill after leaving (it was in his name and all tennats paid their share to him and he paid the final bill). At the time he rung them, explained he had paid the bill upon…
