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jod98

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About jod98

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Great. Thanks again for your help!
  4. But would i be in serious trouble for not giving them my new address?
  5. Will do Tiglet! One more thing is worrying me though. The two oldest debts have not been in touch for well over a year. I think I would rather contact them and agree a payment plan, but I'm a bit worried about what has happened in the mean time. If a CCJ has gone through, obviously i haven't received the papers as i am no longer at the address they have on file. Does this mean it could have gone to court without my knowledge? If so, my understanding is that a judge could order me to pay a ridiculously high amount because I wasn't there to explain my situation. I haven't been complying wit
  6. Thanks for the advice. I have a new phone number which is ex-directory, so I won't get any calls. I'll have a think about contacting them.
  7. Hi I have lots of questions about my situation, so I'll give you some background info first: 98-2002 got into lots of debt while at uni - a result of banks throwing money at me and then demanding it back the second I graduated! (Breakdown -£1600 - lloyds decided i owed them this 4 years after a mistake they made put my acct in credit, £4000 - student acct, overdraft turned into loan then renewed, £1500 u/s car loan, 4 credit cards totalling around £2k) 2002-2005 - worked on paying this debt off, first through a debt management agency, and then realised how much i was paying for the p
  8. I realised a couple of months ago that Capital One were making a late payment charge almost every month - apparently it takes them a week to clear an online payment!! Obviously they were on my hitlist. I just called to check my balance and I'm £30 overlimit - I assumed that they refused to authorise payments when over limit. So I am now £30 over limit, and they will apply an overlimit charge. The payment needs to go through today, but the £5 minimum payment I have set aside will not cover the amount I am over my limit. So I will probably incur a late payment charge. She very kindly agre
  9. A number of people on this site talk of taking on one organisation at a time. Is this a more sensible option, or should I just attack on all fronts simultaneously?
  10. I found out about it on a wedding planning forum!!
  11. Firstly, great site - can't wait to get started! I am planning to claim charges back from two bank accounts and three credit cards, but I have a question. One of the letters I found states: UK banks have recently given evidence to the House of Commons Treasury Committee on how bank charges are calculated: "The costs are going to pay for all the people we have who pursue debt, collect debt, speak to customers and chase payments. The way these charges are arrived at is by taking these total costs and making some assumptions about the volume that is going to come through to arrive at the
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