Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of...

Hi,

Just received my wife's credit agreement for her next directory account.

The agreement does not contain any information with regards her personal details or signature.

What should we do now, it has also come with what looks like and standard letter....

HELP

I've received the following email from a DCA

INTENDED LEGAL ACTION PRE-ACTION PROTOCOL

Date of Notice :08/10/2015
Agreement Number :PP

Dear TibetanMonk,

Outstanding Balance: £397.60

Intended Action:...

A few years back I had a bit of a meltdown after my marriage failed and through a period of depression and "head in the sand" my financial dealings deteriorated and imploded!!!3 years later I'm back on the straight and narrow and trying to rebuild my life.... and my credit file!!!There is...

Hi,

I am being hounded by Frederickson International. They are chasing me regarding a Capital One debt so far they have text me every morning this week at 830, they have called my landline - I have no idea how they have got the number as it is ex directory and only one person has the...

Hi,

Sorry about what will probably be a long post.

We have a DMP (Step Change) that started just under 6 years ago and we have got down from £54,000 to £30,000

We have been very good payers on it and have kept everyone happy.

As you might guess...

BT ordered to refund thousands of pounds to customers after directory enquiries rip-off

This is a duplicate of the Blog Entry made on 4th February 2014 09:25.

*BT told to refund thousands of pounds to customers who were not warned of high cost of calls* BT has been ordered...

Hi All

I recently sent CCA letters to 10 creditors who are part of my Stepchange DMP.

The responses are trickling through.

I'm not sure what to do with this one.

Next Directory have replied, they state they don't have my credit agreement but have sent...

I am either too thick to find it in the templates or it is too difficult to find.
I had this problem last time, the old system i could find them no problem but i just can't find it still

118: Directory enquiry firm launches personal loans

This is a duplicate of the Blog Entry made on 30th September 2013 13:50.

*....business to cash in on consumer credit crunch* * 118 118 Money will offer loans from £1,000 to £5,000 at an APR of 35.9 per cent *...

Ive accidently set a folder permission on my site via FTP to CHMOD 644, this has caused the bloody folder to dispear.

I cant upload a new one as it says, file/folder already exists, dont have permission.

I have Owner Rights so im stumped!!

Anyone know of a RAW...

On my credit file there is a missed payment record still logged from Next directory!
There is no default date but the account was brought up to date August 2006 which is shown on my credit report however Next updated this account as "satisfied" 18/12/08
and it's still on my...

Hi all,

I've been a member here for some time but never posted, and originally "met" Niddy and a few others on a debt free diary thread on MSE.

Anyway, circumstance has led me to begin the UE route rather than continue with the DMP(which I will likely explain...

Hope i have put this in the correct place, twice now we have had a phone message asking a completely unknown person to call Fredriksen International and quoting their reference number , i have saved the message but am concerned a; someone has given our number or b; someone is haveing their name bandied...

Hi all, I just wondered if anyone else has had this problem.
I got my first bill from BT yesterday. On it was 7 premium rate calls to competition lines all at over a £1.00 each. After playing hell up with Mrs Handy she admitted to calling one of the numbers twice. Now this was one of the reasons...