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Gloriosa11

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  1. if you could link to some JD williams articles about repaying money to customers i'd appreciate it. Ive been searching online since i read your comment and cant find anything.
  2. yeh ive had letters from sheriff court i rang glasggow city council to get the balance and should be securing the funds from family this weekend to clear it in full. i spoke with council tax today who are giving me a week to come up with a plan of finances. spoke with all debtors today and got lowell to agree to £900 settlement. I know some of you will disagree with me paying them anything but i just want rid of the stress. I'm not sleeping right, stomach is in shreds as well over this. I wish i could be one of these people who dont eat when they are stressed but im the opposite. progress made this morning akinika will be getting nothing they havnt bought the debt from scottish power so i will clear that myself directly.
  3. no EE is not a current mobile, its one i had in 2013/2014. I phoned them asking if it was with a dca that i could contact but they said it had been written off and the only way to clear it from my credit report is to pay to EE
  4. thank for all the replies. I should say that my boyfriend and his family are willing to help me out with settlement that will include the council tax first. Then the DCA debts then credit cards and finally my overdraft. Im just confused that lowell's first offer is 40% off, so im going to reply and see if they will reach a settlement for £900. There offer also said the debt would be marked as "partially satisfied" on my credit report, surely any settlement means it should be listed as satisfied?
  5. hi there, So I've been struggling with debt for quite a few years and been burying my head in the sand. But ive admitted to my partner about how much i owe and starting to address it. Currently i owe £2703 in council tax arrears £86 to akinika for scottish power £147 to EE £270 to Capquest for catalogue debt £1790.63 to lowell for debt with JD williams Simplybe the above are those that are defaulted on and most have passed to DCA. I also have £1800 in overdrafts, £2000 on credit cards and £900 left on a career development loan, these have never been defaulted on and payments up to date. I have approached the DCA's with settlement proposals. And i know that council tax should be a priority and i have a third party whos willing to help me, starting with council tax. However i did receive a very quick response from lowell when i offered them £850 ( i started low so that hopefully the amount they will accept wont be too bad). There reply stated that they have recently offered a 40% discount on the debt meaning that they will accept £1074.38 for the £1790.63 debt. they say i can pay this by installments or in one go. I really wasnt expecting a response within 24 hours. This debt doesnt show on my experian report or clearscore credit reports. Ive checked the age of the debt and it dates back to 2013/2014. I hadn't had contact from them for a few years but i think because I've updated my address and started trying to address my situation that they have found my new address. so my question is specifically should i try to get lowell to accept my original offer, is this normal practice for them to suddenly offer 40% off. and why is this not showing on my credit report if they are chasing for it. And any other general advice is very much appreciated. im currently waiting on responses from akinika and capquest about those debts. also EE have confirmed they wont budge on payment amount if i want it cleared from my credit report.
  6. Hello At the end of my tether trying to sort my debt out. I currently owe £1400 to Simplybe which are part of homeshopping direct, i cant seem to be able to view how much interest i am being charged on my paper statements or on my online account! i have emailed them asking for this information. I have a lot of £12 missed payment fees or fees for producing letters. Having read through the forums here a lot of people say you can claim this back and the compound interest they have charged on them. Ive found the spreadsheets that calculate it for you and filled them out with as much information as i can. But i only have access to the last 6months of simplybe statements online, do simplybe have to give me access online to all the charges they have made ? I also owe £180 to very but having looked at all the charges they have made to my account since april last year is £156 plus interest. How do i go about claiming this back ? and how do i get the companies to freeze the interest on my account. At the moment i've agreed to pay simplybe £75 a month but they are adding £44 on interest every month, considering i am on minimum wage it would take me years to clear this debt. I also have a credit card with the bank of scotland which had an APR of 29.45% but i always pay this on time and have a direct debit set up so i never get extra charges with this. I had considered attempting to get a consolidation loan from RBS who i have my current account but with all the late payments i'm sure my credit score must be horrendous and they are probably not going to touch me with a barge pole!! Any help would be greatly appreciated.
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