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  • Freedom70
    started a topic Naive - Nat West and Cabot

    Naive - Nat West and Cabot

    Hi all, I am totally naive to all of this, and not sure where I stand with things. :-)

    The ex-wife (thankfully) left me in around 2006, but I ended with close to £85k debt, all of which has been cleared, with the exception of a Nat West dual gold credit card. Nat West were one of the few...
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  • 5corpio
    started a blog post MAS calls for input on a new approach to debt advice

    MAS calls for input on a new approach to debt advice

    The Money Advice Service (MAS) has proposed a new approach to debt advice commissioning that will involve targeting priority groups within the over-indebted. A strategic approach to debt advice commissioning, sets out a new vision and direction for the way debt advice will be commissioned by MAS between...
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  • Dharmadad
    started a topic Joint Owned. Mortgage in both names.

    Joint Owned. Mortgage in both names.

    Hi,

    I (nor anyone else for that matter) has seen of heard from my ex partner (not married) for nearly 8 years.

    I have since re-married and have a child with my wife - we've been married for 6 years.

    I understand from Landmark that I can do nothing without my...
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  • stuckinarut
    started a topic OVERPAID FOR 8YRS OUT OF 10 Apparently

    OVERPAID FOR 8YRS OUT OF 10 Apparently

    Evening people. got a bombshell of a letter today. 8/6/17. to the tune of £11kplus. the guy that sent the letter says we appreciate you may find it difficult to pay it back all at once (must have went to uni this guy) but if you can send the dosh to blah blah. please fone us to confirm you received...
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  • rockwell
    started a topic Claim Form

    Claim Form

    Hello All,
    Having successfully seen off Barclaycard and Cap One thanks to this forum, I have now received a CC claim form (commencing Tues 5th June) relating to care home fees owed to the local County Council and outstanding since 2013.
    The outstanding fees are for a relative and the original...
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  • InvisibleMan
    started a topic Invisible Man's UE diary

    Invisible Man's UE diary

    Background to how I got into this mess:

    Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...
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    Last edited by InvisibleMan; 11th June 2017, 20:44.

  • InvisibleMan
    started a topic hello!

    hello!

    Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I...
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  • wilfred
    started a topic Hello!

    Hello!

    Hi everyone!

    Been browsing recently and noted several helpful replies. Hoping to get some help and advice. regarding a specific problem I might have with Cifas and the elusive National Hunter,

    I will post details shortly in the appropriate section of the forum and look forward...
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  • shaun196809
    started a topic PRA Group

    PRA Group

    Hi there,

    I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

    I responded with a 10% offer to close the account stressing that it was unenforceable...
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  • shaun196809
    started a topic Link Financial

    Link Financial

    Hi there,

    Have an outstanding debt of £4k with Link Financials.

    I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could take...
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  • alfie
    started a topic Remortgage Equity Release

    Remortgage Equity Release

    Good evening.
    My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish...
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  • Capital One Credit Agreement

    Good Morning,

    I currently have a debt of £13.6k with Capital One and currently in the process of negotiating an F&F payment.

    Following advice, I requested a copy of my original contract signed with Capital One back in 2005 but now need this reviewing to see if it is...
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  • leena
    started a topic Notice of issue of warrant of control

    Notice of issue of warrant of control

    Hi Guys, hope your all well, I've not been around for a while as all my debts have gone thanks to you guys, but my misses has a court letter as per heading, just after some advice really where to go from here and will they agree paying in instalment's, what we don't want is for them to take the car...
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  • stuffthebanks
    started a topic Think i dropped a clanger

    Think i dropped a clanger

    Huge mistake, very embarrasing if anyone read my original post.
    Teach me to make assumptions...
    Thanks guys.

    All the best...
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    Last edited by stuffthebanks; 21st April 2017, 19:19. Reason: Sorted now.

  • Let the fun commence - 6 year journey starts here!

    Hi guys and gals

    After a lot of researching and googling, i have decided to make nest on AAD

    I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last...
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