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desperate&depressed

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About desperate&depressed

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  1. Please can anyone give me some advice on this? Thanks.
  2. Sorry - not very tech savy! I think this should work though - if you click on the link and then double click on the picture it opens it up large enough. Thanks everyone for trying to help. Pictures by shereeks - Photobucket
  3. Have tried to upload a photo of what I have received today - does it work?
  4. It doesn't have any heading saying the 'rate of interest'. It does have 2 - other financial information - If, for example you immediately borrow £1500 and pay it back in 12 equal monthly instalments, your total charge for credit under this agreement would be £123.71, not including the £1500'. Is that what you mean?
  5. Hi - thanks for replying. Yes - it has 'Your Annual Percentage Rate is 15.9% APR (variable).
  6. Hi everyone I've just been sent a copy of my CCA from MBNA. I don't have a scanner so can't put it up on here however I just need some advice. The date of the agreement is January 2007 - is this before the cut off date? The agreement was taken out online. It has everything on there that I have read on this site that it needs to have EXCEPT the credit limit - this simply says 'We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know'. Is this enforceable? I thought it had to have your actualy credit limit on there. There is no signature on the agreement (neither mine nor theirs) - it's just a check box that was ticked online. Please can anyone give me any guidance? Thanks.
  7. Hi everyone I've just been send a copy of my CCA from MBNA. I don't have a scanner so can't put it up on here however I just need some advice. The date of the agreement is January 2007 - is this before the cut off date? The agreement was taken out online. It has everything on there that I have read on this site that it needs to have EXCEPT the credit limit - this simply says 'We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know'. Is this enforceable? I thought it had to have your actualy credit limit on there. There is no signature on the agreement (neither mine nor theirs) - it's just a check box that was ticked online. Please can anyone give me any guidance? Thanks.
  8. Awww, thanks Mrs Westham - you are such a sweetie. That sounds like a good idea. Right now I just feel like none of this is worth it anymore so probably a good idea to speak to someone. Have never suffered from depression before but there is only so much the mind and heart can take!
  9. Hi Mike My understanding is that when you go bankrupt all of the debts that you list on the application are included, whether secured or unsecured. You WILL be liable for the shortfall on the mortgage but this can be included on the bankruptcy application - so you will want to hand back the keys to house before filing for bankruptcy, even if the bank hasn't sold the house at the time of applying for bankruptcy it can still be included. You will definitely want to get somewhere to rent beforehand as you probably won't have much chance if you have already gone bankrupt. Good luck with it all!
  10. Thanks Spamalot. It's been 3 weeks since the last burglary attempt and I was home alone when he tried to get in through the back door. Terrifying experience when I got face to face with him before he ran off. Hence why hubby has had to give up working nights. But daily we get stones thrown against the windows and threats and abuse when we walk out the front door. Apparently we're too 'rich' to live round here and don't belong! If only. Thanks for all your support - I really appreciate it.
  11. Thank you so much for your support Spamalot. Unfortunately getting a guarantor isn't an option as I don't have any family in the UK and my husbands' parents both passed away in a car accident two years ago (yes, it's been a great couple of years for us) - ever feel like him upstairs has got something against you?!
  12. Thanks for having a scout around for me Spamalot. If you see my reply above you'll see I've had an answer from the solicitor. Grrrrrrrrr. We owe £212k on the mortgage, are selling for £190k so already there is a shortfall of £22k on that which we are going to pay off at the time of sale (borrowed from family and savings). We wouldn't be able to pay off anything to Firstplus apart from our usual monthly payments - even if they hiked the interest rate we wouldn't mind - anything to get out of here!
  13. Thanks Bincrunched. I have spoken to our solicitor who has advised that the sale cannot proceed unless First Plus agree to remove the charge over the property. The sale would be halted at the final hour when it became apparently we couldn't settle the first and second charge.
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