Hello sorry if this is posted in the wrong area but I wasnt sure where to put it. Please could someone help me with some advice on a few issues?

Firstly, i do not want to avoid paying my debts, I simply want rid of them preferably without it leaving me even more brassic (ie by lowering...

Hi

I'd be really grateful for any advice.

I am with a debt management company and have received notice that my annual review is due. Last year's review was awful, we were over their budget maximums in quite a few areas and as they have not increased their maximum limits due...

Hi all. It's my first time here so hope i'm posting in the right place. Bit of background. Had debts of around £30k but have been on a dmp with CCCSfor about 8 years and are only roughly half way through. After taking advice from them we decided to go br to give us a fresh start else i would be be...

hi all - the forum looks so well informed - hoping to get some advice on this:


I have a Natwest an overdraft debt that is being collected by Triton Credit Services.

Defaulted amount is £3292 was passed to Triton June/July 2009 which included £628 of interest and...

I have sent off for CCA from my credit card suppliers.

I have had one back from Virgin Money (MBNA) which now shows I opened it in 2008.

Now I dont know what to do as I am struggling to pay any of my cards.

What can I do next? Anyone had any experience with...

Hi. I've read through various forum threads this evening with great interest. It does seem like many members are taking great strides toward tackling the anguish associated with uncontrolled debt. Great!

I have a couple of queries which I'm hoping y'all might have some expertise in....

Any advice would be great

Have a very account and they cannot provide a CCA and have given me a list of reasons on why they dont need it etc etc

Where to i stand with Unenforceability??

Shall i Full and Final them and if i do how are my chances?
...

I've been fighting this one a while now since my old Goldfish account was transferred to Barclaycard in 2009. Requests under s78 and via Subject Access Requet have "only" elicited a copy of an application form which I am confident is not enforceable as it is not properly executed - prescribed...

Hi

First post on here!

I am 12 months into a 48 month DMP. I have 12 creditors and have just reviewed my credit report.

5 accounts marked upto date
3 accounts marked as defaulted
2 accounts marked arrangements to pay
2 accounts marked in...

Original (closed) thread here: ---> Late Payment for returned DD

Hoping you can help me here as I'm trying to assemble some evidence. If you have a first direct current account, can you respond below answering each question:...

My Diary can be found here: ---> FiscalFool's UE Diary - and General Journal!

Hi, new poster

Been a long time reader and occasional poster over at MSE, until SunnyLooLoo sent me a link for here !

My finances are in a mess! I'm currently in a DMP with PayPlan,...

SunnyLooLoo - Target 14lbs - Start Date 3rd January
Wk 1 - 2lbs Wk 2 - 0 Wk 3 - 0 Wk 4 - +1 Wk 4 - 0 Wk 5 - 0 Wk 6 - 0 Wk 7 - 0 Wk 8 -0 Wk 9 0 Wk 10 -1 Wk 11 - 0 Wk 12 0 Wk 13 +5 WK 14 - 1lb
Total = +2lbs (pah!)

Jen_br - Target 20lbs - Start Date 3rd January
Wk 1 - 2.5lbs...

Hi all
I am looking for some guidance as to how I should handle this untruthful bunch. I wii explain the storey so it will be a bit long winded.
In 2001 I bought a Fresh Mobile Sim Card costing £4.99 from Carphone Warehouse for a pay as you go phone which I already owned, just go in the...

Hello,

I got a letter about a month ago from Capquest stating that I owed money for a loan that I have finished paying. I sent them a CCA request and they have sent me the CCA back, it states that the loan was for a period of four years and this was up in 29/04/2008. I had actually finished...

I don't know if I am in the right place or not, or if even such a place exists but I'm hoping so on both accounts.

I've a number of claims with different banks/credit cards at the moment regarding charges and have actually passed them to the FOS, I was wondering if I posted them up here...