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Sunflower1 UE Diary

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  • #1

    Sunflower1 UE Diary

    Hi!

    Well here I am attempting to start a diary on my abismal situation and my plans on what I can do to get out of it!
    Well I have around £21,000 of debt that have been mostly racked up by 2 credit cards and catalogues.
    Things took a major turn for the worse when my husband was made redundant last year and hasn't managed to find anything other than temporary work and its created a huge strain on me financially I've had to plough all my money into paying our priority debts while my other creditors then had to be paid less.

    Im trying to sort things out but am very interested in requesting my cca from both MBNA and Barclaycard. Both of which Im pretty sure I didnt sign anything and send back. I have been literally researching for 3 days solid into this to work out whether this is a wise option to take. Both have already defaulted me so I'm thinkin there is very little I have to lose anyway. I intend on writing to them along with a postal order and see what their response is- I will almost certainly need some help if anything is then returned as that's where my knowledge on it becomes a little slushy- However I am looking forward to the journey that this may take me on as I already feel so much more empowered that Im taking my debt problems by the horns and tackling them.

    Any advice would be gratefully appreciated.
    x
    Tags: advice, arrangement, barclaycard, cards, cca, credit, credit cards, creditors, date, debt, debt problems, debts, default, defaulted, dlc, email, freedom, help, information, mbna, money, moorcroft, mse, order, paid, problems, safe, ue diary, virgin, work
  • #2
    Re: My road to freedom (hopefully)

    Hi & Welcome ya

    Please see this and provide the info, as requested and we'll go from there yea? ---> viewtopic.php?p=6789#p6789

    Don't worry, you're in safe hands now
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment

    • #3
      Re: Sunflower1 UE Diary

      1.Type of account :VIRGIN CREDIT CARD
      2.Date commenced early 2005 (unsure of exact date)
      3.Approx balance:£9201.16
      4.Date last paid Nov 2009 (ish)
      5.Are you on arrangement or not paying: arrangements £84.36 per month
      6.Status default & in arrears
      7.Account owner dlc.


      1.Type of account :Barclaycard credit card
      2.Date commenced 2004 (unsure of exact date)
      3.Approx balance:£3,105.31
      4.Date last paid Nov 2009 (ish)
      5.Are you on arrangement or not paying: arrangements £25 per month
      6.Status in arrears
      7.Account owner Barclaycard.

      1.Type of account :Next Catalogue
      2.Date commenced:Unsure around 2003/4
      3.Approx balance:£1680.00
      4.Date last paid Nov 2009 (ish)
      5.Are you on arrangement or not paying: arrangements £15.00 per month
      6.Status default & in arrears
      7.Account owner Moorcroft Group plc

      Comment

      • #4
        Re: Sunflower1 UE Diary

        Hi Sunflower 1

        Great to see you made it here from MSE!

        Have a good look around the site. Theres lots of useful information and good advice and you're definately in a good place.

        Best

        SnV
        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

        The consumer is that sleeping giant.!!


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: Sunflower1 UE Diary

          Hiya

          Have you requested the agreements? If not do that then email them to me and we'll go from there....

          Niddy gh
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

          Comment

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