too afraid to tell hubby

jodan

licious wrote: »

HI Jodan.....Just read through your thread )

Glad you're doing Ok...(sort of)

I sent off for a SAR from Cap1 earlier this year as I was claiming back PPI that was mis-sold on the account, then about 2 weeks ago, I got a letter through the post containing a copy of my CCA?? Totally out of the blue?!! I didn't really take much notice of it, just popped it into a drawer, but having looked at the copy RAS has put on above, I'm now sat at work wondering if that's what mine looks like!!!!

Gonna check it out when I get home later...!

Keep up the good work hun.....we'll all get there in the end! ;o)
licious.

Hi hun,
know what you mean. someimes looking at other people's threads is where you find the answers. I sent my letter on 23rd, so here's hoping for a favourable reply. Hope your is a bum CCA too.
Good luck.

jodan

Batchy wrote: »

why dont you get all your unsecured paid off with a new personal loan paying off all credit cards and managable monthly payment of around 216 per month over say 10 years... or something...

much better than involving your partner, and cut up the cards... simple

Hi,

Have decided against that route. Credit rating was shot to pieces and didn't want to risk getting myself in deeper trouble. This way I pay what I owe and in a few years when it's all over, I'll have learned a valuable lesson and will never use credit again. X

gargrave50

Batchy wrote: »

why dont you get all your unsecured paid off with a new personal loan paying off all credit cards and managable monthly payment of around 216 per month over say 10 years... or something...

much better than involving your partner, and cut up the cards... simple

I don't mean to be rude - but I think we all know that this is possibly the worst idea possible:mad:. Debt to clear debt paid over a longer term = more interest and lots of clear cards which end up getting run up again. Many of us have taken this route before, and know better now:o.

jodan

gargrave50 wrote: »

I don't mean to be rude - but I think we all know that this is possibly the worst idea possible:mad:. Debt to clear debt paid over a longer term = more interest and lots of clear cards which end up getting run up again. Many of us have taken this route before, and know better now:o.

Hi hun,
totally agree, don't think the part about downsizing to get out debt last time must have been seen at beginning of my thread. Hope your'e doing ok. No news at the minute here, except laptop broke and pc is absolutely rubbish. Take care. X:D

Mally_england

Hi all,
I am a newbie on here i joined for advice with regards getting scammed with an online freebie, but i have have not been off the site since, and i have just gone through the posts for this thread, what a fantastic bunch of people you all are,:A and Joden well done brilliant job, i hope you are proud of yourself, you make me believe that there are good people out there, thanks to you all for cheering me up and good fortune to you all.:beer:
Mally

jodan

Mally_england wrote: »

Hi all,
I am a newbie on here i joined for advice with regards getting scammed with an online freebie, but i have have not been off the site since, and i have just gone through the posts for this thread, what a fantastic bunch of people you all are,:A and Joden well done brilliant job, i hope you are proud of yourself, you make me believe that there are good people out there, thanks to you all for cheering me up and good fortune to you all.:beer:
Mally

H Mally,
A big welcome, always great to meet a newbie :j.
Sill never ceases to amaze me how great everyone on here is. Hope you find/found help with your problem. Keep popping by and let us know how your getting on. Good luck hun. X

gargrave50

Hi Jodan,:j

Hope you are well. I'm in London til Wednesday (the longest period I've been away from home!:eek:). Hubby just called to say Bank of Scotland had called re: MY AA visa and discussed the account fully with him, despite him only being an additional cardholder:eek:. Luckily he knows I'm disputing CCA's etc but isn't really interested in the details:rotfl::rotfl::rotfl::rotfl::rotfl:.

I'm thinking they have breached the data protection act, hope I can give them hell:D. Hope you are well hun xx Julie

Chrisblue1962

Hi Jodan,

Have just read your whole thread and I am humbled on how far and how much you have achieved since embarking on your "journey". :T

Keep on going, we are all cheering you on as we are all walking down the same road, some faster, some slower, some for longer, some for less but all with the same destination ahead.

BFN DFW'ers:hello:

ballistic_2

hi i am new to the site but i signed one of these 3623 forms in 2000 for a capital one credit cards and fell behind with payments still ongoing as we speak will i have to still pay or is it unenforceable would be gratefull for some help thanks

ballistic_2

hi iam new to site but i have just read that these application certificates are unenforcable is that true as i am in dispute with capital one over missed payments from 2000 now being sold on to cabot need some help please anyone thanks:j