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  • INDEBTNEEDHELP
    started a topic IN DEBT NEED HELP FAST

    IN DEBT NEED HELP FAST

    Halifax overdraft: 5000 - Increased from zero to 5000 over the space of a couple of months a lot of which was gambling and they were also aware my credit card was almost maxed at the time.
    Halifax credit card 6500 - The first card i started using after buying a house in 2016

    Capital...
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  • NatWest closed my account! Someone please help me!! Cifas marker

    I was in desperate need of money so I came across some guy on Facebook who convinced me that he will make me money and give me 50% of whatever was made. I met up with him and gave him my NatWest bank card and details. He made 2 transactions of 500 to my account so 1000 in total and withdrew the money...
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  • Lloyds shakes up overdraft fees - but still charges borrowers 52%

    Lloyds Banking Group has announced an overhaul of its overdraft charges that it says will improve the finances of the majority of its current account customers.

    But the new measures could result in far higher costs for some Lloyds and Halifax customers - and make these banks some of the...
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  • The new Jane Austen 10 note - when is it coming out and what will it look like?

    The new, polymer 10 note is being unveiled by Bank of England governor Mark Carney on Tuesday. This marks the 200th anniversary of the death of Jane Austen, who features on the new bank note.

    Austen will be the only woman - apart from the Queen - to be featured on an English bank note,...
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  • wilfred
    started a topic National Hunter and Cfas issue

    National Hunter and Cfas issue

    Before i get into the full story can anybody clear up three points for me please? I have read some conflicting information about how long an NH marker stays active. I thought it was six years but Im sure I read somewhere on here that it was rolling 13 months assuming no other issues were flagged to...
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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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  • shaun196809
    started a topic PRA Group

    PRA Group

    Hi there,

    I have a 8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

    I responded with a 10% offer to close the account stressing that it was unenforceable...
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  • alfie
    started a topic Alfies Diary

    Alfies Diary

    Evening.
    Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
    The newish rules say that a credit agreement is required for overdrafts after 2011.
    In this case however the 'draft was...
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    Last edited by alfie; 22nd May 2017, 18:12.

  • Bad credit history but all say settled ?

    Hi I'm new to the forum, I've been looking into my credit file. I use to be a real nightmare with paying things, but for the last 4-5 years, I've been better with it. all my payments except 1 have either been settled or I'm still paying them egs. I just don't understand how it can be so bad,...
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  • RhodriMawr
    started a topic RhodriMawr's UE Journey

    RhodriMawr's UE Journey

    Barclaycard Visa
    Type of Account - Credit Card
    Date Commenced – Approx 1996
    Approx Balance - 7,514.06
    Date Last Paid - > 9 Years Ago
    Arrangement – The Debt Charity Formerly Known as CCCS

    Status – Last Payment February 2017
    Account Owner...
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    Last edited by RhodriMawr; 25th April 2017, 19:35.

  • scottygees
    started a topic CCA

    CCA

    So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...
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  • Please help - Single, student mum owing 3500 in housing benefit overpayment

    Hi there, I am really hoping that someone may be able to help me at all as i am so worried.


    I am a single mum and I am in my third year of my degree course. I have just received a letter that housing benefit has been overpaid to me since 2014 and i now owe them 3500! They never...
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  • credit file and UE debts question please

    It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .

    My question is this and i think i asked it before but not the same way lo.
    If our debts are now UE but not yet SB do...
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  • Moopheeone
    started a topic CCA Request Payment.

    CCA Request Payment.

    Hi All, New to this. Sent a CCA request to an Alleged Account Purchaser and the 1 fee
    was paid into the Alleged Account making it look like I had made that payment. What are
    the Legal consequences of this action. Could it be construed as Fraud.
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  • CLAIM IN COURT FROM IDR/LINK

    I am due in court next month. I am being chased for close to 11k for a pre-2007 credit card account. After 3 years and the three letters and estoppel, the debt collectors refused to give me any documentation, even after they brought a case against me in the County Court. I defended, and the case was...
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