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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.

  • 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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  • MisterK
    started a topic MisterK UE Diary

    MisterK UE Diary

    Here is my diary at last.

    (A little local difficulty getting the username agreed with MrsK, but everybody's happy now I'm pleased to say).

    About six years ago, in need of some help and well before I found AAD, I paid some money over to some CMC's to get "certificates of...
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    Last edited by MisterK; 30th April 2017, 10:04.

  • 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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  • HerefordVet
    started a topic Hereford Vets UE Diary

    Hereford Vets UE Diary

    Well here goes firstly thanks for everyones initial advice its taken a huge weight already irrelevant of the outcome! Ive started my quest to get debt free with a lot of old credits cards!

    Quick outline run up lots of debts upto 2007 due to failing business, robbed peter to pay paul and...
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  • OC has combined amounts from current account and credit card

    One of my debts (no. 21 in my UE diary) is the combination of the overdraft from a First Direct current account and a First Direct credit card. I sent a very inaccurate CCA request to Metropolitan Collection Services last December (before I found AAD!) and in their reply, HSBC chose to concentrate only...
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  • Zeppelin
    started a topic Linking Threads

    Linking Threads

    Hi

    Could anyone tell me how to link threads please? This in the context of my UE Diary so as all the different parts of the diary appear one after the other.

    Thanks. Zeppelin.
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  • Zeppelin
    started a topic Zeppelin's UE Diary

    Zeppelin's UE Diary

    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...
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    Last edited by Zeppelin; 19th February 2017, 10:08.

  • Susiebling365
    started a topic UE Diary of Susieblings Daughter

    UE Diary of Susieblings Daughter

    I think this diary method keeps everything neat and tidy, so I m doing it, Sorry for the posting elsewhere but took a while to decide course of action .

    Co operative Bank

    Type : Credit Card
    Date Started : 4th September 1997
    Approx Balance :£4564.07 as at Dec 2016
    ...
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    Last edited by Susiebling365; 18th January 2020, 19:46. Reason: updating diary

  • TillyU
    started a topic Barclaycard/Link Financial

    Barclaycard/Link Financial

    In 2011, due to my personal circumstances at the time, I wrote to the original lender, Egg, offering £1 per month. Shortly afterwards, Egg was taken over by Barclaycard. I continued to pay the £1.00 per month and didn't hear anything until last year when BC informed me that the account has been...
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  • Roscoe
    started a topic Roscoe UE Diary

    Roscoe UE Diary

    Hi everyone, I’m a newcomer but in need of a lot of help. My journey into debt began a long time ago but accelerated with the financial crash. I was self-employed and one of 3 directors of a small limited company from 2003-2007. The business was doing quite well but began to lose customers and contracts...
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  • cussy
    started a topic help with claim

    help with claim

    Hi im just going over a claim i received and was wondering if anyone can tell me how far back can interest be claimed on court papers can a company that bought a debt claim interest for the years before they owned the debt?
    thanks cussy
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  • dontknow
    started a topic dontknow's UE diary

    dontknow's UE diary

    Type of account - Credit card

    Date commenced - 2001

    Approx balance - £17,000

    Date last paid - May 2015

    Are you on arrangement or not paying- Not paying

    Status – Default

    Account owner – DCA


    Aug 2015 Received reply
    ...
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    Last edited by dontknow; 11th October 2016, 15:24.

  • IF
    started a topic Welcome to Spider65

    Welcome to Spider65

    Hi Spider65 and welcome

    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:-

    ...
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  • Spider65
    started a topic DMP / Unenforceable Debt

    DMP / Unenforceable Debt

    I'm new here so please excuse any naivete or ignorance on my part. I'm looking for some advice and this forum seems to be the place to go.

    I have 8 long-standing debts taken out before 2006. These equate to figures of between £12 to 2k. I have been paying these up until now by a DMP...
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