Well here goes firstly thanks for everyones initial advice its taken a huge weight already irrelevant of the outcome! Ive started my quest to get debt free with a lot of old credits cards!
Quick outline run up lots of debts upto 2007 due to failing business, robbed peter to pay paul and...
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Hereford Vets UE Diary
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OC has combined amounts from current account and credit card
One of my debts (no. 21 in my UE diary) is the combination of the overdraft from a First Direct current account and a First Direct credit card. I sent a very inaccurate CCA request to Metropolitan Collection Services last December (before I found AAD!) and in their reply, HSBC chose to concentrate only... -
Zeppelin's UE Diary
Hi.
Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.
I...Last edited by Zeppelin; 19 February 2017, 09:08. -
Thought she was married.
My partner passed away six and a half years ago we were not married ,i thought she was married, anyway we had been together for 16 years and had two sons aged 8-15 when she died, i asked her pension scheme if i would qualify for a cohabiters pension and they said no.
They have to keep the... -
Getting Accounts moved to a DCA (HFC & HSBC)
Hi
Someone very knowledgeable about the CCA generally and UN in particular I was talking to recently mentioned that ..... "I could do with getting that one (an HSBC account) moved on to a DCA". (Hope I'm not misquoting her!).
Since I'd always though it's an OC's decision to...
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DCA "League Table"
Hi
Most of the debts I have are now managed or owned by DCA's having defaulted between Sept 2009 and June 2010. Mostly they're with Cabot (or derivatives like Marlin), Moorcroft and Cap Quest. Having kicked things off by inadvertently choosing one of the more litigious DCA's in PRA I wondered... -
Unenforceability Issues - how best to react?
Hi
I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are... -
checking credit file
I want to know when any defaults were recorded - is it a bad idea to check ? -
Natwest paid out over 1k unarranged overdraft
Guys quick question. Natwest have kindly allowed over 1k payment to pay their business credit card from my mother's account when the balance was zero resulting in unarranged overdraft fees something silly like £6 per day. Can they do this? -
I'M FREE
All now SB and Defaults gone.
This is a note to let those at the start of the journey and those en route know that there is an end to the misery. It is not pleasant or easy but it does end.
No fault and no blame, but a crisis left me in a real mess. I am now resigned to... -
RBS Account Termination Letter
Hi,
My bank has threatened me to set off my funds I hold with the bank current account and savings against any debt owed? Can they do this legally without my say so or do they require approval from the court. I don't hold bank accounts with any other creditors which I have credit cards,... -
Default cost certificate been served on me - advice needed please
I had a car accident in 2008 which resulted in a personal injury claim which dragged on until it was finalised in court in nov 2014. As I was unsucessful in the claim I was ordered to pay the defendants cost's. I have hear nothing since the case was closed until a few weeks ago when I was sent a default... -
Overcoming bad credit - improving credit score
With a mortgage, 2 different bank accounts and a credit card from another bank running in credit and a report newly clear of defaults, when should I see my credit score start to climb? -
co-op bank has no signed aggreement
hi all
i contacted my credit card issuer, to ask for the 1. signed aggreement,and 2. complaint regarding there monthy fee. i have received the final responce , they advised in there letter that they do not have a copy of my signed aggreement and to try to substantiate my query regarding monthly... -
Barclaycard - nasty letters. What to do?
Hi there,
Really happy to have found this site and hope to get some help.
We've managed to get into debt with Barclaycard. Got two cards and approx. £12k on each one. (Long story - ill wife etc)
The cards are in my fathers name (in his 60s).
Since...
