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hirsty07

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About hirsty07

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  1. Hi, Please bare with me, Its like War & Peace..... The wife and i are currently on a Interest Only mortgage, we have bad credit and have been trying to re-mortgage to try and get some of the mortgage paid off, We have two young children & no-one will touch us. We have around 80k equity in the Property at the moment. I'll do my situation first.... I have been on a DMP with Step change for nearly 10 years, started early 2007.....at first i owed around 27k but now it is down to just over 8k. After some great advice on here , I CCA'd all my original credi
  2. Hi, My Dmp Is with Step Change. Do i need a template for the SAR ? Thanks
  3. Hi, I am currently on DMP with 5 creditors, which i have been on for 7 years. I would like to check if i had any ppi owed to me. Has anyone got any templates i could put my details into & send off. I don't really want to pay anyone to follow them up. Thanks in advance.
  4. Thanks for the advice ims. I can only find around fourteen of my statements. Yes from what i've read on here i think it was Barclays.
  5. Hi, While searching through some old paper work i have found some old credit card statements from 2001. They all have PPI payments on and are with Morgan Stanley Dean Witter. I am after some advice to see if i could make a claim on them ? Any help or advice would be greatly appriciated. Thanks.
  6. Hi Dx100uk, I have already recieved my signed CCA agreement which i followed up at an earlier time. To my knowledge i havent had any late fees etc..... So any further avice would be greatly appriciated. thanks again.
  7. Hi, I am searching for help concerning my credit card debt. I have a credit card with Lloyds where the interest they are charging is £300 per month. I have other debt with a car loan, and Next store card. My monthly outgoings for debt is £700 ( not including the mortgage payments and utility bills) , which really is becoming unmanagable . I have tried to get a loan/transfer my balance across to reduce my monthly payments and to reduce my debt, but I am rejected due to my "credit history". I am registered with Experian and having looked today it looks fine (all sa
  8. Hiya, just wondering if anyone can give me some much needed advice? In June 2009 I took out a claim against Lloyds TSB for my credit card through an agency to supply me with my credit card agreement. I was told that if my creditor couldn't find my CCA then the debt could be written off. In February 2010 still not really getting anywhere after many calls from myself I was told it was being passed onto an another agent called Total Care. The reason they gave that it was being passed on was that the law had changed and Monster Claim (who had dealt with it previously, couldn't ha
  9. Thanks for the template. The letters are typed and will be on their way tommorow Thanks again.
  10. Postggj & Bankfodder, Thanks for all your advice. Postggj, Ive got all my statements out, the spreadsheets are ready, so i'm gonna crack on with it first thing tommorow. Thanks for taking the time out to reply, i'll let you know how i'm getting on. Sorry to have been a bit of a pest, just wanted to know the correct procedure to follow. Bankfodder, this website is a god send & has helped me and loads of others sleep better at night. May the donations continue.
  11. hi, sorry only just replying. Oneofakind, i currently pay Link £40pm (through the CCCS). I've kept up the monthly payments since Link took the debt on. I don't know if thats a good thing really? Its just a case of wanting to know what to do next as i really want to keep things as simple as possible. There again what could be more simple than forwarding a CCA on to me that i have requested ??? Seminole, thanks for taking the time out to give me your more than welcome advice... The thing is with Link, they tried it on big time down the phone, ie, t
  12. hi, thanks for the quick reply, its oh so much appriciated. Can you post me a few pointers on how to go about it and i will get staright away. ie templates etc. Sorry for being a pain but bit out of touch with it all alately. cheers again.
  13. hi, I am currently in a DMP from Jan 2007. One of my creditors are the Yokshire Bank for an overdraft of £1700 that i had to put in my DMP. The thing is i paid to get all my statements in 2007, to find YB owed me well over a £1000 in charges. I didnt follow it up as the banks had put everybody on hold ( I now know i should have followed it up anyway). In June of this year YB sold the debt of £1300 onto Apex Credit Management. Is the debt legal ? I am wondering if i could still claim the charges back as i still hold all the six year statements that they sent me out. A
  14. hi, I'm looking to send CCA letters to a two collection agencies & Lloyds TSB. Can anybody advise or send me an upto date template please. thanks.
  15. hi, I hope someone can give me some much needed advice. Link Financial took over my debt from MBNA in August 2007. I got the welcome calls from them saying i was going to lose my house etc etc if i didnt pay the full amount off. I asked for help off this website and i was given the advice to CCA them. I sent the CCA letter off to them on the 18th September 2007, they sent a letter back saying they would be back in touch with the CCA in so many days. Its August 2009 now and they have just sent me a balance out to me with the amounts ive paid through the cccs taken ou
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