Hi,

My bank has threatened me to set off my funds I hold with the bank current account and savings against any debt owed? Can they do this legally without my say so or do they require approval from the court. I don't hold bank accounts with any other creditors which I have credit cards,...

Approaching 70 there is a need to re-mortgage as the term ends next year. 2 defaulted accts (£12k) SB next year. 60% equity and need 7x income. What is best route?

Broker may refuse on defaults, and banks may keep long records of SB accounts. On calculations, the inclusion of £12K...

Hi all
This might sound like a stupid question so please forgive me if it is.
I had an old Monument card with a balance of around 6k. took the unenforceable route in 2010. It has just gone SB. So whilst filing all the paperwork away. I noticed a letter from them in 2014 about a payment...

What are the Laws regarding overdrafts.
A Rough out line,
I had a bank account that had an agreed over draft and When I lost my job some time ago I went over the agreed limit. I did everything could to keep straight but spiralling bills just kept dragging me down. I suffered with depression...

I thought the banks were told to help the sufferers of Dementia and their families.

Well not the case.

My mother in her eighties has Vascular Dementia (VD) which is caused by a series of small strokes or transient ischaemic attacks (TIA), which cause parts of the brain to die....

Hi there, this is my first post and I'm hoping someone can help.

My wife and I have a large amount of debt across various credit cards and in May we wrote to our creditors with a DMP. The majority accepted our proposals within a few weeks and suspended interest, however one company...

I've gone and done it again, I'm in a financial mess and digging frantically :-(
My mortgage is with Barclays, there is also a loan and I'm overdrawn by £2800, so please may I have some advice.
If I have my wages paid into a different account and transfer the direct debits for the mortgage...

Hi

We eventually got a letter from the ombudsmen regarding this credit card.

The original complaint was made in Jan 2012 upheld in September the same year, knocked back by MBNA, the been awaiting re assessment.

They now say that MBNA have eight weeks to make an...

I've been accepted (somehow!) for the Club Lloyds account that launched today (credit interest, free cinema tickets etc).

Suddenly thought, as well as it being very odd for them to take me, could it be to do with offsetting?

£1,500 needs to go through it in a month to not...

Hi,

I've recently setup a limited company. I'm the sole director. All the banks credit check for a business account

Firstly - If I was to get a business account with Barclays, would they/barclaycard be able to offset (set off?) the money from the business account to go towards...

Hi Guys

A bit of background first I guess.

I am 42, single and living on my own with mortgage and the usual bills. Dues to various circumstances over the years, house disasters, redundancies, car written off, more house disasters and finally no pay rise in 5 years, I have...

Background:

I had a good credit rating for years, did loads of stoozing and getting low balance transfers but in reality I was overspending by about £500 every month. This lasted throughout my 20's, I had (have) a good job but wasn't as well paid as the friends I was socialising with....

Can someone tell me please, if anyone knows... Do my boys HAVE to have both US and UK passports. (Mother UK - Father US with perm' leave to stay)

We were told back when I arranged their PP that they HAD to have both, they could leave the UK on a UK PP but to return they would need both....

Hi again,
i recieved my DSAR from Lloyds yesterday. Took me ages to go through it, then go over it all again. I'd been with them for a long time so there was a lot of stuff. The bundle weighed 5kilo according to the ticket. In the main ,statements go back to 2001, but i also got some...

Hello all.

I am so asking for advice here.

The circumstances are so complicated it has taken me a few days to get my head around it.

I have asked for advice on another forum & I was advised to Report to OFT. Complain to FOS., but what do I put in each letter...