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Scouse Paul

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  1. I am negotiating with 2 creditors so they both get £48 each, that's why I was haggling, there is logic in my thinking cos they both got the exact same email
  2. Hi, I am currently trying to negotiate pro rata payments with Salad Money, I have emailed them an income/expenditure form and they have replied back saying they cannot accept this form and instead they want me to use the open banking process instead which I am unwilling to do. What can I do to move this forward, I have attached a copy of our correspondence many thanks Salad money Comms.pdf
  3. 1 and 2 are credit cards 3 is for finance for buying a macbook laptop 4 is a loan for home improvements 5 and 8 are online shopping credit balances 6 and 8 were personal loans None of them are have been sent to DCA's
  4. These are what I owe on the debts, Aqua Collections £2801 Capital One Credt Cards £745 Clydesdale Bank £4229 JN Bank £14362 La Redoute £268 Lendable Ltd £1539 My Community finance £4783 Next Directory £408
  5. This DMP gets me debt free within 33 months, my debts as of the start of the DMP were £31738.00
  6. DMP is with DFH (it's a paid one and I know you guys frown upon those ones) but I would rather be in a DMP that has a short life span rather than a massive multi year one with step change. the debts themselves are quite recent and only came about due to my partner losing her job and as a result our household income has dropped £2k a month so my finances would only stretch so far. none of the debts are historic they were all ones I could easily afford until the recent change of circumstances
  7. I'm looking for a bit of advice in regards to irresponsible lending. I took out a credit card with Aqua and the initial limit was £1200 I believe, I had no trouble initially paying the bill but then Aqua kept offering me credit increases and each time I was offered it I took it and it eventually ended up being a limit of £6100. Eventually I maxed out the card and I was struggling to pay the min amount I eventually arranged a repayment plan with Aqua of £145 a month, eventually I got the balance down the current amount of 2800. I am now on a debt management plan and the Aqua debt is included with several others. Have I got grounds for going down the irresponsible lending route and if so how do I go about it, especially as I am on a DMP. Many thanks in advance
  8. Just for clarification, my wife has been living at the same address since 1998, all that has changed in that time is she changed her name to her now married name in 2013
  9. My Wife received a letter from Hoist Financial UK Holdings 2 Ltd concerning an alleged debt that my wife has with GE Capital. I have attached a copy of the letter and there are a few points I would like advice on in terms of how to proceed. 1. My wife has got no recollection of the debt in question, although she did say she once had a debt relief order, this order is coming up to 20+ years ago. 2. The letter was addressed to her in her maiden name (we have been married for 5 years and in a relationship for 6 years) and in all the time we have been together she has never had any letters from Hoist or Robinson Way who are mentioned in said letter. Should we write to them asking for proof of alleged debt, or should we just ignore the letter as it is likely to be a phishing exercise. Also should we report said companies to the ICO for being in breach of DPA as their information is very out of date as they wrote to her using her maiden name. Many thanks
  10. The debt is legit, it was through the council for damages that deemed were outside of the tenancy agreement. it was for £1500 initially but its now down to just under £700, we did try referring it back to the council and offering to pay them directly but the council were not interested and said we had to deal with Collectica, couldn't be arsed to argue with council to just took the easy way out
  11. Hi All, I have been paying of a debt to Collectica who were the DCA that were dealing with it, I have been up to date with payments and are not behind with them. I tried phoning them today to make the payment for December but they are now saying there is no record of the account on the system when they searched through the ref number and the address details. What should I do in a situation like this, should I just write the debt off as there is now no record of me on their system or should I wait for them to contact me in regards to the payment plan falling behind and then argue with them over their poor record keeping
  12. Hi All, I recently bought some jeans on eBay, they are not the size the label claims them to be and having explained this to the seller he is adamant that he is right and won't do a return and refund. I tried to use the return option through eBay but he declined my request, should I escalate the issue through eBay or would it be better to do a charge back through my bank.
  13. They are a bailiff firm as well so what is to stop them sending their thugs round, they are arsey enough to deal with as it is and that was only via emails. When we start paying the council direct what's to stop them or the council from being arsey and going through the courts.
  14. I do take on board what you guys have been saying but I don't trust the DCA's when it comes to not doing what they are supposed to
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