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CCA Requests
Hi All, Bit of a stupid question here, but what are CCA requests and what is the point of requesting them? Thanks, TB
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Help with addresses for letters to credit cards
Hi could anyone help me with the address i need to send my DMP notification letters to for the following companies? Thansk in advance Asda credit card (creation) Tesco credit card Barclaycard credit card MBNA credit card Want to get all my letters away for monday morning when i also sent my SC direct debit mandate and…
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Cabot & Apex
Evening all, Cabot wrote to me to advise that they have taken over one of my debts from Apex and to pay Cabot directly. I initially refused as I did not have an agreement with them. Apex then stopped taking the direct debit. I have now set up a new DD with Cabot. I have noticed that Cabot have stopped taking the DD for…
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DMP Advice
Hi all I have used the North East Derbyshire CAB Debt Management Plan website (and REALLY GOOD it is too!). Anyway, I have around £300 per month of disposable income, to pay off non priority debt. The website indicates I ought to pay a nominal £1 per month to each of my five non priority creditors. I know that the non…
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Catalogue Interest Claims
Hi new to the forum but looking for assistance if possible I have been lead to believe I can potentially claim interest back from littlewoods and very for excessive interest and not doing correct affordability checks before increasing my credit limits I have been told its similar to the Wonga claims that people are…
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Car on Finance
Hi I am probably posting this in the wrong place, but have not been on here for some time. Just a quick question please? I have my car on finance. The finance is in my ex husbands name and is paid for every month by him instead of paying me maintenance for our child. The log book is in my name. I realise that as the…
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Debt collector
Hi all, Bit of a technophobe and first ever post so please bear with me. Ok my partner has had a credit card debt for maybe 5 or 6 years after a blip of a few years getting back on his feet. He has lived with me for nearly 3 years and now registered disabled, unable to work and on esa and pip. 2 days ago we found a card…
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Barclays refunds.... here's hoping
See MSE article. It says "Most of those who are receiving refunds have debts with Barclays at the moment, so part of their debt will be written off instead of being given a cash refund." ......here's hoping our two accounts are included :rotfl:
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My finances, Saving and Clearing my debts?
Hello all, Been lurking on the board for a while and thought I would look to get everyones opinion on my situation. I've also got approximately £10,000 of debt from irresponsible early twenties that I want to clear, at the same time I'd like to save toward the deposit for my first house. Step one was to move back in with…
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From 'silly student' to 'responsible adult'
So yesterday, I had a complete meltdown resulting in me sitting trying to come up with a more effective cost cutting solution to my finances. I know this place really isn't judgemental so below is where I've been sitting at currently ; RBS Loan : £6652.23 Aqua Card : £3913.97 Nationwide : £1882.44 Capital One : £442.50 TSB…
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Pastdue Credit Solutions - NPower Debt
Hi My partner has been sent a letter from Pastdue Credit Solutions dates 16th March, there is a 'customer ID', 'Client Account Number' and says they have been appointed by npower limited and an account balance of £330.13 for supply period of 03/12/11 - 11/04/2013. The letter says we are still to pay the outstanding debt…
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Mortage deposit Vs Debts = Overwhelmed!
Hello! Sorry first of all if I've posted this in the wrong section as I wasn't sure which it would go in. Currently I've got £8459 of unsecured debt as follows: Zopa loan - £5074 (this figure includes the 26.1% interest until the end of the repayments) monthly repayment £134 Lloyds credit card - £815 interest free until…
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Beginning my journey...
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managing my own debt plan - advice please
I have been with PayPlan for several years and never missed a payment but I'm now thinking of managing my own debt repayments. Will my creditors ask for bank stattements? I could afford to pay a little more but I'm 67 and haven't had any luxuries for years e.g a holiday and I desperately need a new (to me) car as my 13…
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IVA information
Hi all I'm after some advise asap for my daughter she's just under 7000 in debt due to credit cards and a pay day loan, she is now looking into an IVA to help clear these debts so she has 1 payment a month and clear everything and be able to live, Does anybody know if you have to pay a fee for an IVA and what this is…
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Debt collector
Hi, might seem a strange question but I'm trying to find out when a debt becomes something whereby they're knocking at your door? Is it the initial credit company or is it a DCA? My friend asked as I've been in this situation but it was so long ago I can't remember, the debt is with vanquis and she's offered £20 a month,…
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PRA Group Letter Before Claim - advice please?
I have received a letter from PRA Group informing me that an account has been transferred to the investigations and Litigation Department. They say it is a letter before claim as required by the Pre-Action conduct & protocols contained in the Civil Procedures Rule, and constitutes a formal demand for payment and to give…
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LLoyds Bank sold debt to HPH 2 Ltd
This is a personal guarantee for a business overdraft. Is it possible to find out how much the debt was sold? HPH 2 Ltd do not hold a copy of the guarantee made in 1999/2000. I am now being pestered by Robinson Way every 5 months to increase my repayments. Advice please. Mike.
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min payment on cc over 10yrs
Hi, I had a credit card - originally with mint, then it became a HBOS card, they stopped my card in 2007 and upped the interest rate. Due to circumstances I paid the minimum of circa £150 for the last ten years, upping that payment as and when I could. I have calculated that I have paid the card off twice at least…
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I Am Literally Broke - What Do I Do?
Okay so I am gonna add context here. I am currently unemployed. Income is £317 Universal Credit and outgo is way higher (like £200 higher). I have £2 to last me until 1st April. Friends and family have run out of all goodwill, loans and gifts they can possibly offer. I am literally sinking with concrete strapped to my feet…
