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  • Delays and Increasing costs hamper MOJ's digital courts project

    A £1bn modernisation programme of the UK’s justice system is facing a “daunting challenge” after falling behind schedule and overrunning costs, according to Whitehall’s spending watchdog.

    The National Audit Office has found that the changes being rolled out by HM Courts & Tribunals...
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  • MrsSmithy
    started a topic Default on Barclaycard

    Default on Barclaycard

    Hi all, I really need some help and advice.

    I have a 5,5k Credit Card debt with Barclaycard. I am really struggling to keep up payments and my APR is very expensive. It’s nearly all interest I pay back.

    I am wondering what would happen if I couldn’t continue to pay?
    ...
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  • MrsSmithy
    started a topic Default on Barclaycard

    Default on Barclaycard

    Hi all, I really need some help and advice.

    I have a 5,5k Credit Card debt with Barclaycard. I am really struggling to keep up payments and my APR is very expensive. It’s nearly all interest I pay back.

    I am wondering what would happen if I couldn’t continue to pay?
    ...
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  • 5corpio
    started a blog post Credit card limits 'need control'

    Credit card limits 'need control'

    More than a million credit card users who are struggling financially have had their credit limits increased without asking, a charity has said. Such borrowing could make their financial problems worse, so Citizens Advice is calling for a ban on unsolicited increases in credit card limits.It wants Chancellor...
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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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  • Defeated Lowell Portfolio 1 LTD in Leeds County Court

    This was a small consumer credit claim of around £2,000 which the Claimant persisted in taking to trial possibly hoping our client would not have representation on the day in court for such a small sum. I decided to represent my client at the trial. The claimant was represented by counsel.
    ...
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  • Success in Wandsworth today

    In Wandsworth today for application to set aside 2 yr default judgment - settled at court door client very happy. Should mention it was a £250,000 default judgment plus £150,000 contractual interest .......eyewatering interest rate of 400%!...
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  • Drydensfairfax Solicitors Default

    I have an unsecured credit card debt which was purchased by Max Recovery Limited in late 2012.

    The original creditor was mbna.

    The debt has never been on my credit file.

    Last year, I started receiving correspondence from Drydensfairfax Solicitors, who were acting...
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  • julian
    started a topic BOI -> BOIG Creditor?

    BOI -> BOIG Creditor?

    Have seen a letter advising an erstwhile BOI credit card defaulter (now SB) following the non-payment route that he is a creditor. "As a creditor he must by law be informed of the change to the structure of the bank which is now changing its name from Bank of Ireland to Bank of Ireland Group",...
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    Last edited by julian; 6th June 2017, 10:07. Reason: ie scrabble

  • 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, 19:44.

  • InvisibleMan
    started a topic hello!

    hello!

    Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I...
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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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  • New payday loan regulations come into force

    New payday loan regulations come into force

    This is a duplicate of the Blog Entry made on: 31st May 2017 09:32
    New payday loan regulations come into force on Friday, requiring all online lenders to advertise on at least one price comparison website.

    The new rules are
    ...
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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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