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  1. Hello, I've been posting before introducing myself so I thought I should put my horse back in front of the cart Rohannah
  2. Hello everyone, I'm new here and have a question to ask about the payday loan company, Minicredit. I applied for, and successfully received, a loan from this company. I have been unable to pay the loan and thus the charges have begun. The thing is this: there is no record of Minicredit sending me a loan agreement via email or post, nor is there any evidence of one when I log in to my account on their website. I am currently in the process of adding this debt to a dmp (through issues with depression, this is one debt of a few) and was wondering what I can do. I am of course wi
  3. Good morning. Just a quick hello to introduce myself, and aplogise in advance for any beginners gaffs that I will inevitably make whilst learning the ropes. I will be putting a post on later regarding the Unicom/Elitecalls takeover contract changes shortly, when I have explored the site a bit more & worked on what I want to say
  4. Here's the letter, from here obviously... It's for a Kays catalogue debt - we recieved the last of threatening letters before further action so decided it's time to contact them. Just wondering whether it would be s.77 or s.78 that I write....? Dear Sir/Madam Re:− Account/Reference This letter is a formalrequest pursuant to s.77/78 of the Consumer Credit Act 1974. I require you toprovide me with a true copy of the credit agreement relating to the aboveaccount, together with any other documentation the Act requires you to provide. I expect you to complyfully and p
  5. I signed up here after getting a rough deal on a holiday and wanted some advice, I've already found useful information and can tell i'll be spending quite some time here complaining. Cheers! Jake
  6. Hi, I owed some mortgage arrears, but have now paid them off (Woo Hoo !!!), but only after the mortgage company had taken me to court. However, the case was adjourned until July and now I want them to stop the case completely. My question is what should I ask for written confirmation of from the mortgage company? - withdrawl of the case - or stopping of the case - or for the case to be stayed / struck of? i.e. if I ever get into arrears again, I want them to have to start the whole procedure from the beginning, not merely re-activate a case against me that they had so
  7. Just wanted to say that I have been an avid follower of your site for a while but I was too wary to join until today, just wanted to say hi b4 posting my query.
  8. Well hello there everyone, My names Jason, Im 19 Years younge I have a partner in crime And a 3 year old Girl, and another soon to grace the world with crys. I joined this forum for some extra help (if and when needed) for my own personnel debt, also i would like to help people with there problems with my own experiences, i know most people on here arnt Qualified, thats the fun part. I think being in debt isnt as bad as it seems, the only reason anyone worries is because of those pesky letters marked "IMMEDIATE PAYMENT REQUIRED" or the world is going to end for some unexplain
  9. Hello all, Totally new to your wonderful forums, what a wonderful find. I am not very good at computers or the web so speak slowly like your talking to a child I won't mind LOL. I really am a Dizzy person
  10. Hello everyone, I have just joined this site today and look forward to reading more and liaising with other people. Hope you are all well and enjoying the weekend so far. D xx
  11. Hi all, Im new here, and just wanted to say hello to all!
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