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Stressed150

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Everything posted by Stressed150

  1. I didnt even THINK of that Diddy..... I love it!! Has anyone actually successfully had any adverse information removed from ther credit file by a creditor...?
  2. Sound advice Diddydick...... I have made it clear funds are coming from third party, I have also notified them, that if I cannot settle and close all my accounts with these funds my altenative is not to pay anyone and file for bankruptcy..... and its not just an empty threat but the truth!
  3. Seriously, how so? I feel I may have missed out on something...
  4. wow..... will definitely go for a very very low offer.....Just out of curiosity how long were ur debts outstanding before u offered full and final settlement? Harassed Senior, I know exactly what u mean..... I am also constantly learning on here and feel much stronger in facing my creditors... would love to hit them where it hurts!
  5. Thank you once again lilly white and Godmother.... I do feel that the DCA were using the charging order as a way of intimidatingme into making higher payments, when I spoke to the DCA a few weeks ago, they told me they had been conducting credit searches against my name due to the size of my debt.... these credit searches were carried out without my permission.... does anyone have advice as to what I can do wioth regards to this matter as well? I will pursue the Information Commisioner route, but I want to give them a taste of their own medicine, so the more hassle they get the better......
  6. Hi Harassed senior.... thanks for your advice, you mentioned that once I recieve a CCA from them, I should make sure I go for a low offer..... if I have a loan of 15k....how much would u say I propose to them?
  7. BTW was due to put my CCA and DN up here, however, I made a silly mistake and left my signature on there...! So will defitiely have it on here by tommorrow, and ur opinions will be very much appreciated..
  8. Thanks for the words of support DG and Very Weary....... 8p and 20p?!! I'm shocked! I knew it was a relatively small amount that DCA's purchase debts for, however, 20p for a 5k loan or even a 20k loans beggers belief!!! It makes me mad how much they make out of us when we are in such a difficult situation, yet the banks seem to always win, regardless of if they get their money back or not..
  9. I will be posting both the CCA which I have, and also will look for and if need be request the default notice and upload that as well.... hopefully tonight as I need to get them scanned..
  10. Yes a default notcie was served, however, I'm not too sure what you mean by if it was correct? I assumed once a notice was served, that was that... do they hav guidelines for this too? Lilly White, they have actually purchased the debt from the original lender..
  11. Hi guys, just to find out if anyone else has experience of making f&f to creditors..?
  12. Thnks Diamondgirl, I have already done this with half of my creditors and am in the process of doing so for the remaining half..... the ones I have will be posted up here tonightas I need to get them scanned first....
  13. Thank you for ur advice very weary... i am now in the process of negotiating full and final settlement as a friend has offered to help me out, but I'm still not going to go down without an fight and have requested CCA's from crediotrs including HFC....whom, when I telephoned to get an address did not even know what a CCA was!!
  14. Thans for getting back to me DG...Some of the accounts are still owned by the original creditor, and some have actually been sold to the DCA...
  15. Hi guys, just wanted some advice, i am currently in debt of around 35K, it is all unsecured, have just been negitiating with creditors regarding full and final settlements, and most have been willing to bring the outstanding balances down to 65% if I can pay by the end of the month..... however, I have defaulted on every single credit account that I have and as a result these have all gone to DCA's, I understand that DCA's then add their own interest and charges onto the account (one off when the account is passed over from the original lender), my question is, would these interest/charges be
  16. Thank you for the advice guys.... will definitely use the temaplate to request CCA.....
  17. Hi guys Just wanted advice on the following, (sorry its abit long winded) I currently owe £20,000 to HFC which has been passed on to DLC Hillesden Securities..... I have been making token payments towards this debt for approximately two years, in the beginning I was paying aorund £20, which I know is not alot, however, this was all I could afford, I recieved a telephone call from the DCA a few months ago in which they stated that due to the size of my debt they have been conducting credit searches against my name (without my permission) and have discovered that I own a property......
  18. Thanks for the info, it was very informative, though not something I will be able to pursue as I have unsecured debts of £35000, and am also a homeowner...
  19. Hi guys, just wanted to find out if anyone has experience of negotiating full and final payment to creditors.... what is the best tactic....?? Coulkd I threaten them with bankruptcy? Which is something I will have to do if they don't accept what I put to them.....
  20. Thanks for the quick response guys....thought it was too good to be true.... and good luck huff n puff.......
  21. Hi guys I am new to this forum and after reading much of the useful information I was wondering if somneone could please clarify a query regarding statute barred debt..... Basically I have unsecured loans and credit cards from around three years ago, I am making minimum monthly payments towards these, howeerv, if i continue to do so would my debt still be classified as statute barred once the 6 years is up, or is this only classifiable if you have completely ignored the debts for this time and not made any payments? many thanks
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