Hello, I'm a bit confused as to how this all works so would be most grateful if I could get any help from you lovely people.
In October 2008 I took out a loan with HSPF to help with moving house, our landlords suddenly sprung on us that they were selling and we had four weeks to move....
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HSPF sold debt to CapQuest who sold debt to Lowell Portfolio 1
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RBS unenforcibility query.
August 2006. I opened the account and did a balance transfer to RBS of £5.5k.
I defaulted over a year ago and have received the usual letters from Green & Co, Moorcrofts, Midas and Fredericksons etc.
14th August 2013. Bryan Carter Solicitors issued a summons.
15th... -
£1 cca taken from debt!
Evening folks,
Dont know what to do with this, my better half requested cca from Apex/barclayscard begining of april, got no reply, sent reminder begin of may and still nowt.
Come today, another demand for cash but the debt has gone down by a pound! Coincidence? I dont... -
Sharon2345 Unenforceability Diaries
EGG
Interest frozen, defaulted 2006/7.
Name: Egg
Type: loan
Date commenced: 2005
Approx balance: £14,018.07
Date last paid: 1st May 2013
Arrangement: not paying now previously token payments via dmp
Status:...Last edited by Sharon2345; 30 November 2013, 15:32. -
HELP! disabled with so much debt
After becoming unexpectibly disabled four years ago and no chance of preparing for the future i have occured a lot of debt both past & present. 3 credit cards & a catalogue.On one card I was paying a smaller amount but recently they have past me onto cougar financial so getting very worried.... -
Time to CCA?
Ruthbridge have recently starting sending me fan mail for an old debt that has been asleep for some time and I've done nothing to awaken the creditor.
The original creditor is Halifax One credit card originating from 2005 and was assigned to Apex Credit Management in 2008. My last payment/acknowledgement... -
home visit
hi guys
can anyone direct me to the area i need to pull off the template letter regarding home visits? have apex debt management on me telling me they are visiting for coffee! would like to tell them to go do one.
thanks in advance x -
Cabot
Does anyone know if Cabot are still issuing claims?
They used to appear regular, but now they dont seem to appear at all
I dont see their name appearing much either on the forums -
BlueForYou MBNA
Here goes. I now need some advice re best way forward!!
MBNA
Taken out Jan 1998
Balance approx. £6000
Defaulted November 2009 - At least I have a letter stating this. I believe this was because of my erratic payments to that date.
2010
January... -
Payplan not sending my payments to creditors
I only have 3 creditors with these now and because we have applied for a variation to the court to have a ccj/charge lowered to £1.00 a month the minimum payment to payplan at the moment is only £ 5.89 , the rest of the debts are looking ue so we stopped paying them in June this year.
Payplan...Last edited by Spent2much; 1 November 2012, 10:26. -
Frazier's Diary
Type of account Lloyds (now sold to Apex or Prime Credit 1 s.a.r.l. - Loan
Date commenced March 2008
Approx balance. £4,800
Date last paid September 2012 (sold to Apex Sept 2012)
Are you on arrangement or not paying DMP stopped
Statu...Last edited by frazier; 20 October 2012, 17:34. -
Help me understand - Lloyds
Hi guys,
On my equifax file as below, this is an overdraft which is in default? Are there any options as far as you can see?
Cheers.
[img]http://i.imgur.com/euKVn.png[/img]... -
Barclaycard - CCA Letter Request - Satisfied?
Hello - was recommended to check this site out.
Whilst I am currently asking Apex/Cabot for a CCA request, I rummaged and remembered that on my Barclaycard I asked one from them in March 2012. I forgot totally about it and I don't think they've found a signed copy.... just need to check... -
To get you up to speed
Hi all, very new member and hopfully I will receive some sound advice along the way, here goes,
I owe 10 creditors a grand total of £20,000
, this dates back from spending starting over ten years ago when i started my apprenticeship and spent more than i could pay back at...
Last edited by Monty; 13 September 2012, 15:25. -
Which Way to Go?
Hi
I have debts totalling approx 49K, comprising 6 credit cards and a Bank account with a large debit balance. I have been making regular repayments until recently via a DMP with Payplan. I have now retired on a modest pension, so that my income has fallen by an amount approximately...
