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  • rosey5464
    started a topic rosey5464 UE Diary

    rosey5464 UE Diary

    Type of account = Credit Card


    Date commenced = long before Apr 2007


    Approx balance = £9.3k


    Date last paid = Aug 2013


    Are you on arrangement or not paying = N/a


    Status (default/in arrears/up-to-date)...
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    Last edited by rosey5464; 1 November 2013, 21:26. Reason: Natwest acknowledge can't find agreement but want me to continue paying

  • GlobalC
    started a topic charging order

    charging order

    Hi Guys,

    Its been awhile since i last posted, mainly because ive been able to manage my debts via making monthly instalments. However one of these debts is from an old buisness that ceased to trade and was left with an overdraft that i couldnt pay back. This was around 3/4 years ago. I...
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  • 1NightInIbiza
    started a topic Default?

    Default?

    I was on an AP with one company, regarding my overdraft.

    They appear to have pulled it over the weekend, to £0 - so although I was within the monthly payments (been under the reducer each time so far), I can't access any of the money.

    I'm going to phone collections in the...
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  • Miss-Treated
    started a topic Miss-Treated's UE Diary

    Miss-Treated's UE Diary

    Hello everyone.
    The time has come for me to deal with debts that I have had for quite a few years now. They are all as a direct result of trying to help my ex-husband keep his business afloat. I know now I should have known better. He is long gone but the debts are still here.

    ...
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  • mark.1980
    started a topic Nationwide Charges

    Nationwide Charges

    Hey guys,

    I went through my Nationwide Statements for the last 24 months, found they had charged me over £235 for unpaid S/O's, D/D's and Unauth O/D fees.

    I wrote to them claiming hardship throughout the period and asked all charges were refunded to me and no further charges...
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    Last edited by mark.1980; 22 May 2013, 14:19.

  • Pip
    started a topic More than one account with same DCA at the same time

    More than one account with same DCA at the same time

    Hello!

    Just wondering if any cross-referencing goes on (as far as people know) with DCAs when they're "administering" more than one of your accounts for different creditors at the same time? Or whether they're to be thought of as being completely separate?

    I'm guessing...
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  • philnicandamy
    started a topic co op cashminder

    co op cashminder

    ah the bankrupts bank of choice (or so I thought)

    been bankrupt 6+ yrs now cleaned credit files etc and watched everything drop off credit files 12th March 2012...asked a couple of times if I could have the account upgraded they said once i'd been BR 6yrs they would chat

    Last...
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    Last edited by philnicandamy; 17 May 2013, 17:39.

  • Lloyds TSB - Difficult Organisation

    Hi,

    Have three accounts, one loan, one o/d and one cc with this mob.

    Have requested CCAs from all.

    O/D - response back stating "you have asked us to pay into a product we do not manage" - this is where nominal payments for the a/c have been sent monthly...
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    Last edited by churchman; 7 March 2013, 15:46. Reason: Incorrect info re loan CCA, sorry.

  • NatWest and Moorcroft - default successfully removed

    So now we open-up yet another battle front with Nat West Bank (again, on behalf of a friend).

    When the excrement hit the windmill back in 2006, Nat West defaulted three bank accounts. Only one was reported as defaulted on the credit files. Moorcroft were soon appointed as the DCA....
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    Last edited by DoTheyMeanMe; 6 March 2013, 09:46.

  • Repayment plan for Loan and O/D only reducing Loan

    Can someone perhaps help me out here?

    My wife and I had a current account, with a £500 overdraft, and £20k unsecured personal loan with RBS. My wife lost her job in 2008 and we experienced financial difficulties as a consequence.

    By the middle of 2009 we had missed a few...
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    Last edited by allthatglitters; 7 February 2013, 20:05.

  • Start of F&F Negotiations, Wish me luck

    A very kind man referred to me by this site helped me set up a DMP las year. Due to illness within my family, I had taken my eye of the ball and have noticed some of my creditors have been charging interest and a year later I actually owe more than I did when I started this process. However most...
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  • mgfboy
    started a topic natwest and text alert

    natwest and text alert

    I've had a very annoying run in with Natwest.

    I currently have text alerts set up on my account it tell me if I go over my O/d or a certain amount on my accounts. I've done this to make sure bills are paid and I wont get any charges.

    In the past it worked well, but yesterday...
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  • Help, Barclays ignoring complaint AND wont cancel CPAs?

    Really need some help Niddy and team please with some letters etc? As you say taking the fight back to bank, could use your advice.
    Following on from previous topics quick summary here before nitty gritty of todays letter:

    Got into stupid mess with a few Payday Loans after Barclays...
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    Last edited by winjas; 6 December 2012, 20:51. Reason: avoiding the grammar nazis ;)

  • Firms and households shunning new debt, says BBA

    Firms and households shunning new debt, says BBA

    This is a duplicate of the Blog Entry made on 23rd October 2012 18:03.

    Households and businesses have "no appetite" to take on new debts as the UK economic outlook remains uncertain, a banking body has said. Unsecured......
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  • snudgerchops
    started a topic Car Loan

    Car Loan

    Hi All,

    Just wondering if anyone has had any recent success in obtaining a car loan with a history of bad debt/defaults?

    I've been looking at carloans4u, but there are mixed reviews and the APR is very very high.

    The car is a necessary evil I'm afraid as...
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