Hi.

Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.

I...

Hi
I did mean to start this diary back in February but life got in the way.

So......
12/15 - ended payments to all our credit card accounts.

1/16 CCA'd all our CC's
-mbna (£21500) received a letter which said it was unenforceable.
-NatWest -£450...

I'm reading more and more posts on social media, press, forums and in discussion with people who think that because of the 04/07 changes being so far in the past, that Unenforceability is coming to an abrupt end.

It isnt. That's a certainty. AAD has around a million hits a year, compare...

i have been trying to navigate my way around the site, reading up and getting a better understanding of this debt minefield.


i would like to start with what some might consider a small(er) issue - for me its a matter of principle


i originally and unwittingly held...

Hello,

I have been having some trouble with Arrow Global and Blake Lapthorn. It started with an old debt on a credit card with Virgin Money which has been passed arounf different DCA's.

Arrow have hired Blake Lapthorn to chase up the debt and said they were going to take court...

OK starting my UE quest: This is a debt now being pursued by Cabot Financial on behalf of Co-op Bank. I plan to upload both the personal loan agreement with Co-op Bank and the recent correspondence from Cabot. What may complicate things is that Cabot state that they are pursuing me for a current account...

I see there's masses of information about ue including ue diaries etc but I'm looking for a step-by-step plan along the lines of;

1. Request the agreement
2. stop paying

etc etc.

Is there such a thing please?

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...

This is in respect of a Barclaycard account with a balance of approximately £9000. The account was originally opened in April 2010, (with Egg, whom Barclays took over in 2011.) In February 2014, I entered into a repayment plan with Barclaycard to pay off the balance at a rate of £200/mth in return...

Sorry if this seems a really silly question but when your updating your UE diary do you just edit the original post? The reason I ask is if you do that it doesn't show as a new post, so no one would realise anything has changed?

Thanks in advance

Hi there I'm new to this forum I really need some help and advice! I currently owe approximately 18k in loans, credit cards and payday loans . I'm in a right mess . Got paid yesterday and all my money has gone on just 1 of the payday loans. I just don't know what to do!! 😥

Hi AlasPoorYorick and welcome [img]http://forums.all-about-debt.co.uk/images/smilies/Generic%20Smileys/1-hello.gif[/img]

I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and

...

Hello all.

I was working for my local county council until recently on a fixed term contact. I was hoping this would be renewed but due to some ill health it has not been. I have applied or sickness benefit and housing benefit and will be alright I think until they get paid. I have heard...

Hi guys. My mother has recently been diagnosed with Heart Failure.

Unsure of why yet, as she's due to see a cardiologist on 10th March and to have a echo graph to determine the cause, however she has been put on water pills and ACE inhibitors. Beta blockers will be introduced in the next...

Hi, thanks for letting me join your Forum.

I'm looking for advice on how to approach NatWest to arrange a F&F settlement.

The o/s debt is for £8k
Last month I offered to make a 20% (£1,600) payment as F&F.
However they rejected the offer and stated that...