hi there just to let you know woolworths contacted me today to ask if i could go into the store with my receipt for a full cash refund. went in and got full refund - thank god for that.

Not sure where to start on this one went into woolworths last friday and paid cash for trampoline £200 they said delivery company would call me on monday no phone call so called delivery place (wincanton) who informed me that all deliveries have been stopped for woolworths and to get in tough with woolworths. spoke to them today and woolworths have said because administrators have gone in they cannot send trampoline and cannot get refund. I paid on a friday and on the sundy they announce gone bust - why take my money they must of been aware on the friday what do i do now no xmas pressie for my kids and no money woolworths have advised me to call next tuesday and they may be able to update me but could go on for months cant even say if i will get any money back or trampoline. can anyone shed any light on the situation and what do i do next?? thanks

with the letter saying that they haven't got my cca they stated that the arrears are still payable and they will keep adding £12 admin every month. so thought i could send a letter saying that because they have no cca i not payin a penny????

well yesterday received all cca replies from all catalogues - all 4 have no signed cca for me but have sent a copy of t&c at present time (they cant find my signed copy) only catalogue who have a signed copy is littlewoods but i got them by the bits at moment anyway (read previous posts) sent letter of complaint to littlewoods waiting response. what letter shall i send to other 4 catalogued who cant find my cca?? thanks

if or when i get my settlement - i will definately contacct the 13 people.

hi there sent letter off to littlewoods also spoke to information commisioners office who want copies of what i have received - i have given littlewoods 7 days to reply - watch this space...............

anyone in ireland or glasgow pm me your name & i will let you know if i got yours!!

all details i have are for people living in ireland & glasgow - wondered if anyone got any ideas on a letter to send stating i not paying what i owe them and if they still pursue i will report to oft????? can i do that???

today i have received all my statements as requested, also they have sent me a copy of my signed credit aggreement get ready for this .................................... they have also sent me copies of 13 other peoples credit agreements, which have names, address, phone numbers, date of birth. and account numbers for them all and all their signed agreements disgusting - if i were a fraud person surely they would get hands slapped - can i hold this against them when claiming my charges:D i am amazed - wonder how many people have all my personal details

if we get rid of business goverment have said will give us £500 p.w its a joke

spoke to mortgage company they took all expenditure details - have decided to let me pay interest only (£460) saving me £140 per month want 460 by friday and next month then back to normal january plus extra for arrears. really fed up just dont know what to do - had to borrow 300 off my granny:-( think we just going to have to pack business up but we tied into lease for another 18months (10k) dont know how to get out? thanks for hep clare

Hi there just wondered if anyone could help? I am a housewife looking after 3 kids under 7, my hubby is s/e running his own business the business is in a loss and he doesn't even pay himself a wage out of it at the moment. we get £80 wtc, £126 ctc and £46 cb. - That is it every week. Our mortgage is £600 per month, they wont let us pay interest only by the time we paid, reduced council tax, water, elec, gas, and any other rubbish we all have - we are left with nothing to live on having to beg,steal & borrow off family (not literally steal lol) i have spoken to council to ask about housing benfit - cant get it because we have a mortgage have said we would get £140 per week towards private rent (lol). spoken to cab they cant advise us of anything else to do as we are getting the benefits we are entitled to. anyone got any suggestions on what to do. if we pack business up we get £500 per week off goverment (but we dont want to close business) - we cant sell house as no where selling at the min any suggestions????????? thanks for listening as usual guys x clare

Hi everyone just wanted some advice?? I currently have a mortgage with £93k owing current value of house is approx. £110k (mortgage value) Unfortunately our business is not doing very well and my husband has no income coming in we get £975 per month off the goverment wtc,ctc & cb our mortgage is £600 per month with birmingham midshire we have 375 per month to pay all bills and look after and feed me, hubby & 3 kids under 7. - i have contacted birmingham midshire to ask if i can just pay interest only on mortgage but they have declined due to me not having mortgage with them long enough - i have fallen one month in arrears and another payment is due on friday - i cannot afford to pay this either (will be 2 months in arrears) - do you think i could ring them and offer to pay £400 per month for next 6 months just till business gets going again - do mortgage companies accept lower payment offers??? also will this affect me getting a mortgage when up for renewal in a years time?? not sure which way to go??

yes we gettin right amount

will keep you all updated on everything thanks for help

all sar requests been posted today and also sent 2nd letter to hsbc as received get stuffed letter today. also sent s.a.r request last week to hsbc for credit card and they have sent me a list with 6 admin charges on hahahahahahahaha - sent a letter back and told them this is not what i asked for i want a list of ALL transactions on the account - they just trying to waste time. they have added £40 per month in interest for last 2 years!! ha ha

lol - thanks for that - can i put a section in letter to tell them not to add additional charges my account is £160 overdrawn these are charges added last month - i wont pay the charges and now dont use the account so they have added another £164 this month its ridiculous - can i add the 164 pound onto the origanal prelim amount. thanks

hello ev1 just making an enquiry - how do i get a template of lba letter for bank?? when i go onto templates it brings up lba as though they have not replied to my letter - they have they have told me to get stuffed - which letter do i send now???? thanks clare

have just checked about the income support mortgage interest - we have to be on income support or job seekers so cant claim that!! - any other suggestions at the moment we get £200 if my husband shuts business up we would get £500 per week - doesn't seem right when he not getting no wages or nothin from business at moment. - no incentive for people to work.

dont think can get income support as my hubby self employed but income is zero - we get ctc & wtc totally £200 a week for a family of 5 to pay all our bills, debts, mortgage food everything - our mortgage is 600 a month????? - we would have £50 per week for everything else just cant do it. - do they back date it as we been in this situation for 16 months

awww you so helpful thanks for that - will keep you updated.

hi guys wondered if you could help - i am a housewife and spend my whole time looking after my 3 children, my husband is self employed but not currently making a profit - there fore our actual earnings for benfit purposes is zero. we currently own our home (mortgaged ) we are having to borrow the money off friends and family to pay our mortgage we have no money what so ever it has been like this for 6 months now - i have spoken to council and they have granted us full council tax benefit and full housing benefit but said we cannot claim housing benefit because we have a mortgage they have offered to pay £600 per month towards private rent - my current mortgage is £600 i asked if they could help towards interest on mortgage but they cant - i cant get out of mortgage as £8k redemption penalty. mortgage is for 90k house is worth about 105k - just dont know if i can do anything else. my option is to sell my house and go in private rent but houses not selling at present. spoke to mortgage place(birmingham midshire) and i cant pay interest only as only had mortgage 5 months and they cant help me further. no one can help me ???? - not sure which way to go. any advice much appreciated - sorry to drone on x clare

thanks for that guys - i have sent s.a.r to banks & credit cards just waiting to hear back they have until the 14th - i am familiar with bank charge process as i claimed £4000 off lloyds 2 years ago so not too worried about that its the catalogue ones and what happens with the dmp and what about the defaults shall i cancel the dmp but then i am getting all phone calls hassle etc. sorry to be a panic - i find you all so helpful and i will be donating definately.

what should i do about the debt management company as i cant afford to pay any of the debts - totalling 7000 in overdrafts, credit cards & catalogues and got in a complete mess with them the debt management company have relieved the strain for me - do you think i should write to the companies who have given me excessive charges ask for charges to be wiped then i will be in a position to clear the outstanding debt with them direct.??? - can i do this?? i think the companies may consider it as its a quicker option than waiting 10 years on dmp. help??? - not sure what to do?? i am in my 2nd month with the debt management company (churchwood)

also please could you advise where i would get the cca request letter - i cant find it in templates