Hi there,
I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.
I responded with a 10% offer to close the account stressing that it was unenforceable...
500 results in 0.0041 seconds.
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PRA Group
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Remortgage Equity Release
Good evening.
My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish... -
Can creditors force a house sale to claim back their money
Hi all, thanks for all the help you give.
I have been on a DMP for 5 to 6 years now and want to go self managed and put my creditors on token payments until I have CCA's back (or not as the case may be). My only concern is that the creditors might choose to force me into selling my house... -
MisterK UE Diary
Here is my diary at last.
(A little local difficulty getting the username agreed with MrsK, but everybody's happy now I'm pleased to say).
About six years ago, in need of some help and well before I found AAD, I paid some money over to some CMC's to get "certificates of...Last edited by MisterK; 30 April 2017, 09:04. -
Failed IVA
Hi my Iva failed in 2012 and is still showing on my credit reference file - can anyone advise when this will drop off my file as it is showing as 110 months old? -
Help and advice for debt of over £80k+
Hello all I'm new to this forum and I'm really hoping you are all a friendly bunch who won't judge me too much
My husband and I have always been in debt for as long as we've been together, and we are at the point where we are just being crippled every month with high interest and fallen... -
Help Needed Cowboy Builder Threatening Court
I need help as I am in the unfortunate position of being in dispute with a builder who was doing a building job for me. I sacked him before he finished the work because he is incompetent. Not only that but he lied to me, didn't turn up most days, had a near miss involving a neighbour and generally... -
Credit Cards - To close or not to close?!
Hi All
As part of my journey back from Bankruptcy, I have three Credit Cards:
Vanquis £4000 Limit
Aqua £4350 Limit
CapitalOne £1750 Limit
I've just come into some money and cleared all balance on those cards.
My credit rating is still... -
Debt/income expenditure form
Hi. Im new here and looking for some help.
A bit of background info:
I was in debt for a good few years starting about 8 years ago. Eventually cleared it up via a DMP 3 ish years ago. My credit score was destroyed then and still hasnt recovered but is very slowly creeping... -
Bank of Scotland credit card help
I am going to go and try and speak to them in the branch tomorrow but I wanted some advice first and this seemed like a good site to start with and speak to other people. I should also say I called them tonight to explain the situation but it did not go well at all. I just want advice from others in... -
Advice needed.
Basically I have been on a DMP for a while now and though it still has a way to go before it ends a lot of the defaults on my credit report are due to fall off in the next 9 months. This would then show only £3000 of debt on my file. I was hoping to try and settle this amount in the way of a full and... -
Please help - Single, student mum owing £3500 in housing benefit overpayment
Hi there, I am really hoping that someone may be able to help me at all as i am so worried.
I am a single mum and I am in my third year of my degree course. I have just received a letter that housing benefit has been overpaid to me since 2014 and i now owe them £3500! They never... -
CLAIM IN COURT FROM IDR/LINK
I am due in court next month. I am being chased for close to £11k for a pre-2007 credit card account. After 3 years and the three letters and estoppel, the debt collectors refused to give me any documentation, even after they brought a case against me in the County Court. I defended, and the case was... -
Welcome to Worriedme
Hi Worriedme and welcome
I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-
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Co-operative bank for sale
Iv'e been with this bank for 10 years - just read that the TSB might be taking over . This is bad for us as we have debts with the TSB .
How will this affect our account if they do take it over - will they take our money from our account to pay the debts we owe to them ?
thanks