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  • adamrists
    started a topic Barclaycard Open Account

    Barclaycard Open Account

    Hi,

    Hope anyone can help, please.

    Barclaycard Credit Card
    Opened July 2013
    Last payment December 2013
    Original Credit Balance - £250

    Charges and interest took it to £411 in September 2014 where it's remained at that level with 6s applied since...
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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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  • shaun196809
    started a topic O2 Default - Didn't know I had

    O2 Default - Didn't know I had

    Hi there,

    I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for £20. Of which I paid anyway. Bizarre.

    Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for £20!!
    ...
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  • 'Can't pay, take it away' episode

    Hi guys

    I was watching an episode of Can't Pay, Take It Away the other day, and i noticed that the High Court Enforcement guys were on a job enforcing a writ where a lady had taken out a 4k loan?! I was under the impression that any debt under the consumer credit agreement could not be...
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  • Start of my unenforceabilty journey

    So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...

    Credit cards
    One commenced in 1994 and one in 2006 (my husbands)
    Mine has about £1700 (the 1994 one), husbands has about £7200
    Last full payments...
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  • marypoppins
    started a topic Mint - Wescot

    Mint - Wescot

    Hi everyone,

    I'm looking for anyone's experience with Wescot.

    Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly...
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    Last edited by marypoppins; 14th May 2017, 14:24.

  • rgally64
    started a topic Paying council direct

    Paying council direct

    Hello all tried to settle an old Pcn from the council after a visit from the bailiffs they sent my cheque back and also blocked my payment online I thought I had a right to avoid the bailiff and settle with the creditor direct
    Many thanks
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  • PRA GROUP (UK) LIMITED v DIANA MAYHEW - WIN

    ‘“RECONSTITUTED AGREEMENT” – IRREDEEMABLY UNENFORCEABLE”
    “UNREDACTED DEEDS OF ASSIGNMENT – NO ASSIGMENT PROVED”


    So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track trial, when dismissing...
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  • RhodriMawr
    started a topic UE Journey Begins

    UE Journey Begins

    After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors...
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  • Strepsi
    started a topic Looking to rent

    Looking to rent

    We live in a mortgaged house, the house next door is a rental. Every 6, 12 or 48 months we get new neighbours more often than not they are a nightmare!

    Anyway we were thinking if it was practical for us to rent our property and rent another property elsewhere.

    I was wondering...
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  • stjjts
    started a topic stjjts UE Diary

    stjjts UE Diary

    I have committed to start a diary so I can record my progress to date and going forward. I have spent hours looking through the valuable resources that exist in forums and now have a better understanding of what to do and what to expect.

    A number of years ago I realized that I was struggling...
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  • fiscalfool
    started a topic Credit Cards - To close or not to close?!

    Credit Cards - To close or not to close?!

    Hi All

    As part of my journey back from Bankruptcy, I have three Credit Cards:

    Vanquis £4000 Limit
    Aqua £4350 Limit
    CapitalOne £1750 Limit

    I've just come into some money and cleared all balance on those cards.

    My credit rating is still...
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  • scrapping a car with £400 finance still to pay ?

    My son has a car that he didn't finish the finance on , its now completely broken and won't even start . Its out of MOT and he now has another car which he is using taxed and insured.
    He's moving and the landlord needs the parking space where the car is sworn off the road , can he scrap this...
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  • crazybeats
    started a topic Bank of Scotland credit card help

    Bank of Scotland credit card help

    I am going to go and try and speak to them in the branch tomorrow but I wanted some advice first and this seemed like a good site to start with and speak to other people. I should also say I called them tonight to explain the situation but it did not go well at all. I just want advice from others in...
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  • scottygees
    started a topic Advice needed.

    Advice needed.

    Basically I have been on a DMP for a while now and though it still has a way to go before it ends a lot of the defaults on my credit report are due to fall off in the next 9 months. This would then show only £3000 of debt on my file. I was hoping to try and settle this amount in the way of a full and...
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