HI,
I have used the excellent templates on the website to seek F&F settlement offers from my creditors, I offered approx. 30% to all creditors.
I have received letters from a few of the creditors stating they are willing to settle on these terms.
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F&F Settlement offer
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Debts and Full and Final settlement?
Hi Everybody
Im posting this on behalf of a relative. He's really at his wits and so down about this situation.
He has debts with
HSBC -loan, card and overdraft. Loan was from 27/03/2007 for £5000. I'm. not sure about the other dates
not sure about the... -
Possible Unlawful Defaults
Hi All,
First post so please be gentle. I am coming to the end of a DMP I have been paying religiously since 2009 and am in a position to offer settlements.
I have finally summoned up the courage to check my Experian report, I have 758 points. I have had a Capital one card... -
Options...
Hi Guys ...
Here's my debt http://forums.all-about-debt.co.uk/s...E-Diary/page15
A few years ago I entered into a DMP with CCS, but I decided I'd try the UE route, then life got in the way and I shoved my head back into the sand in the hope it would... -
Urgent advice please regarding County Court claim
Hi.
I received a claim form last month regarding a credit card debt. I originally intended to defend it, so filed an AOS. However, since then I have found a long forgotten response to a CCA request I sent in 2009, from the original creditor, which included a signed agreement that I... -
Credit Files not changed as agreed in F&F settlement
Hiya,
I suppose it is my fault not checking my CRA files regularly. in 2012 the written agreed full and final settlement was that on receipt of the money from a third party the creditor would mark the account settled, reduce the balance to £0 and close the account.
They were... -
Bank of Scotland credit card, default, DCA'S and ombudsman.
Hi all
Bank of Scotland set a default on me a couple of years ago, as i went into dispute over a credit card. It's been going on a while, and i have had no less than 5 DCA'S (lol) pursueing me....Now this the story so far.....
I never denied the debt, but merely challenged... -
Strategising - 6 accounts
Hi.
I'm discussing with my parents how best to handle their debts. A quick rundown, they're living on disability living allowance. My Dad is very poorly and both are over retirement age. They are mortgage free and are being hounded with old credit card debt.
The debts were... -
Welcome Finance Multiple HP and Credit Agreement
Hi all.
I have a little issue that I am struggling to find answers for. I have uploaded my agreements but have removed some personal info.
It seems that this agreement is a multiple agreement consisting of both the HP and a credit agreement for the insurance (which i have... -
F&F Payment Offered
Hi All,
I have a similar situation with Barclay's who have been registering a '6' for four and a half years on a dormant current account overdraft, it was in dispute before that. I written to all three CRA's, the ICO and the FOS as well as Antony Jenkins Barclay's CEO. The balance is 2049.00 and... -
Barclays Bank - Current Acc Overdraft
Evening Chaps,
This site (and Niddy) helped me last year and I have one last issue to resolve. I have a dormant current account with Barclays which has an overdraft debit balance of £2,098.00. My credit file is clean except for this one account which Barclays are registering with the three CRA's... -
Defaults a few questions
Hi I have a few quetions about defaults and settlement.
If an account is defaulted will it help my creit rating to pay them off.
If I pay them off will it be market settled or satisfied or are they the same.
If I makeca low full and final does it show as partially settled... -
Contemplating making f&f settlement offers on my debts - advice please.
I have recently been given some money after a family member. I am contemplating making full and final settlement offers split 'pro-rata' to my 7 creditors. However, one of these creditors is Cahoot (Santander) and I have not paid them a penny since January 2009 and not heard from any DCA regarding the... -
Personal loan, debts and housing benefit
Not sure if this is the correct section but my friends sister is in a pickle and I promised my friend I would see if you lot know the solution.
ok so.
She owes various companies £18k... she is challenging the companies with CCA etc.
She is claiming housing benefit and... -
When your Bank sells your debt....
We all know Banks can not be arsed to manage their defaulted accounts..Keen as they are to suck you in, increase your credit limit, charge you for anything and everything and then come down on you like a ton of bricks soon as you really need them to provide some support....
but what is...