Please don't be too harsh as I had only just turned 17 when this happened and didn't know what to do or what was even happening.
I have tried to keep straight to the point and so hopefully its easy to understand.
Thank you amazing people.
In 2018, I was buying...
500 results in 0.0427 seconds.
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Need help removing unwarranted fraud marker
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Barclaycard Open Account
Hi,
Hope anyone can help, please.
Barclaycard Credit Card
Opened July 2013
Last payment December 2013
Original Credit Balance - £250
Charges and interest took it to £411 in September 2014 where it's remained at that level with 6s applied since... -
OVERPAID FOR 8YRS OUT OF 10 Apparently
Evening people. got a bombshell of a letter today. 8/6/17. to the tune of £11kplus. the guy that sent the letter says we appreciate you may find it difficult to pay it back all at once (must have went to uni this guy) but if you can send the dosh to blah blah. please fone us to confirm you received... -
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!!... -
'Can't pay, take it away' episode
Hi guys
I was watching an episode of Can't Pay, Take It Away the other day, and i noticed that the High Court Enforcement guys were on a job enforcing a writ where a lady had taken out a 4k loan?! I was under the impression that any debt under the consumer credit agreement could not be... -
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... -
Mint - Wescot
Hi everyone,
I'm looking for anyone's experience with Wescot.
Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly...Last edited by marypoppins; 14 May 2017, 13:24. -
Paying council direct
Hello all tried to settle an old Pcn from the council after a visit from the bailiffs they sent my cheque back and also blocked my payment online I thought I had a right to avoid the bailiff and settle with the creditor direct
Many thanks -
PRA GROUP (UK) LIMITED v DIANA MAYHEW - WIN
‘“RECONSTITUTED AGREEMENT” – IRREDEEMABLY UNENFORCEABLE”
“UNREDACTED DEEDS OF ASSIGNMENT – NO ASSIGMENT PROVED”
So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track... -
UE Journey Begins
After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors... -
Looking to rent
We live in a mortgaged house, the house next door is a rental. Every 6, 12 or 48 months we get new neighbours more often than not they are a nightmare!
Anyway we were thinking if it was practical for us to rent our property and rent another property elsewhere.
I was wondering... -
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... -
Credit Cards - To close or not to close?!
Hi All
As part of my journey back from Bankruptcy, I have three Credit Cards:
Vanquis £4000 Limit
Aqua £4350 Limit
CapitalOne £1750 Limit
I've just come into some money and cleared all balance on those cards.
My credit rating is still... -
scrapping a car with £400 finance still to pay ?
My son has a car that he didn't finish the finance on , its now completely broken and won't even start . Its out of MOT and he now has another car which he is using taxed and insured.
He's moving and the landlord needs the parking space where the car is sworn off the road , can he scrap this... -
Bank of Scotland credit card help
I am going to go and try and speak to them in the branch tomorrow but I wanted some advice first and this seemed like a good site to start with and speak to other people. I should also say I called them tonight to explain the situation but it did not go well at all. I just want advice from others in...