thanks

anyone know where the second request letter for a cca is?

a few days ago i recieved a letter from ndr debt recovery saying my littlewoods debt had been forwarded to them. i recieved a second letter today which looked suspiciously like a littlewoods statement and theyve charged me £12 for a debt collection letter fee and £12 for a late payment fee. im going to send off for a credit aggreement today but im just wondering about the fees theyve charged me?

a few days ago i recieved a letter from ndr debt recovery saying my littlewoods debt had been forwarded to them. i recieved a second letter today which looked suspiciously like a littlewoods statement and theyve charged me £12 for a debt collection letter fee and £12 for a late payment fee. im going to send off for a credit aggreement today but im just wondering about the fees theyve charged me?

as my debt to freemans has been given to a dca does this mean i wont be charged for any late payments? how does this situation affect my credit rating

ive totalled up my charges from overdraft fees and its in the region of £1000 owed to me by hsbc. i want to claim these back but in these times where banks are struggling is it the right time to do so? looking on this site it doesnt seem that hsbc are to willing to pay anything back

thanks. so if they cant get a credit aggrement what happens. im interested in the fact that there is probably £100 worth of charges freemans have made to my account for late or non payments. if the debt has been passed over is it worth writting to freemans at the moment?

hi all. ive got an outstanding debt to freemans which has been passed on to a dca. i requested a signed credit agreement from them and then recieved a letter asking for payment again with no mention of my request. they seem to be being nice about things at the moment but i simply cant prioritise paying them anything yet otherwise i feel this will set me back financially. to me it sounds like they cant get hold of a credit agreement. so what action should i take taking in to account i wont be paying them till after the new year.

can i contact my catalogues (freemans and littlewoods) to ask them if they can lower my monthly payments? if i offer a payement i can afford and they accept will this affect credit rating or anything?

by contacting customer services and getting a reduced minium payment will that affect credit rating?

hi, ive got an account with freemans catalogue. due to circumstances i cant afford the pay the monthly payments. they have sent a letter saying they will be charging us £12 every reminder they send me for late payements. has anyone got any experience of this sort of thing or ways to get around it?

hi im having trouble getting an add on loan from my bank to repay my existing loan and to clear off cards + catalogues etc. which would leave us better off. doesnt look like the bank will help. ive been lookng at other loan companies for bad credit.the word iva keeps popping up. what does these mean and are there any conseqences for taking these loans?

hi all! ive been to the bank today for help with my loan. ive been denied! whats an MLA?