Russmy
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Everything posted by Russmy
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Sorry can I bump this please for a reply Thanks
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Sake tinder is autocorrected debt collector
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Hi dx, I would say they are with the original creditors . The only exception maybe one with Barclaycard which was originally egg, and mbna which was originally virginmoney... But I think this was a whole book move rather than a sake tinder collectors
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I would like to begin by thanking in advance anyone who takes the time to offer any advice. I was recently made redundant, and after a couple of months still have not secured a postion. I have around £5K in savings which will last a few months. I have a motgage with santander of £253k and unsecured debts of £45k I did have a job, and was about to remortgage and repayed everything over 15 yeas, even had a mortgage offer from natwest on the table. My question is whether it is worth doing a cca on the unsecured credit card debts...if im honest I'm not 100% sure what the rules are with them.... I figure this will make the £5k go further. also is there any advice on mortgage deferral...and is it worth doing? kind regards
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hi, I have a case pending against Npower, basically there was a mess up on my billing. They promised call backs which they didnt do, so I made a moneyclaim for my time. thinking about it, I think I should have gone to ofgem. If I withdraw my claim ( which is only£250) can I be liable for their costs. also if we go to court and I loose, would costs against me be deemd a ccj and effect m,y credit file? thanks
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hi, sorry to trouble everyone. I have late payment marks against my bank account for an overdraft I had from 2009. In 2013 I decided to reduce this, and verbally agreed £100 reduction per month. The interest from Smile meant i was over this, and I think one month i missed the £100 payment. The marks are affecting my credit score, is there anyhting I can do to remove them. At the time Smile totally messed up a switch to santander as well sorry I should also add that they marked my credit card as well with a late payment, which they have admitted is an error, and removed that
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hi, sorry to trouble everyone. I have late payment marks against my bank account for an overdraft I had from 2009. In 2013 I decided to reduce this, and verbally agreed £100 reduction per month. The interest from Smile meant i was over this, and I think one month i missed the £100 payment. The marks are affecting my credit score, is there anyhting I can do to remove them. At the time Smile totally messed up a switch to santander as well
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right, thanks. Can I also ask if anyone here has been successful in walking away via this method?
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thank you old rouge, if I am honest I'm not sure. Im not in trouble with the payments. My idea was to send a speculative letter, then those who didnt respond or sent something non-compliant to take it from there. It seems there is no risk in sending a letter and see if any of them get panicky...
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thanks Conniff, I think I read on the site that if the card was issued pre 2006 it does..but I a malready way out of my depth, and any further information would eb greatly appreciated. thank you
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no, dont think there's any ppi. I was thinking more of the sending the request, and then those who couldnt respond seeing what choices I had then
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hi Maroondevo, thank you for replying and moving my post..I couldnt figure out how to do this None have been passed to debt collectors, nor are there late payments. I have an Egg card now with Barclaycard, a virgin now with MBNA , a smile and m&s one...had them all for about 5 years or so My request is more spectulative than anything.
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hi, I wondering if anyone could help, or point me how to start a thread in the right area I have a few credits cards I making payments on, but Im interested in the cca idea. Could anyone fill me in/point me to the pros and cons of sending the cca to the companies. Also I keep seeign SB clock mentioned, what is this please thanks Newbie
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