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About Me


Found 4 results

  1. Hello everyone, it's my first time posting so thank you in advance for any advice that you can give. About 6 weeks ago we had a phone call out of the blue from an Opus rep 'Tom' to say that we had a large bill and he needed to speak to us. We are very rural and we had an actual reading just previous to the bill. Prior to the phone call the direct debit was set up, everything paid on time, never a late or missed payment. I thought it was a [problem] call at first? I couldn't believe it when we were told it was for £7000. We own a building which is a small
  2. I have had visa card for decades with largish credit limit of around £7000, very light usage, and always paid in full before pbd. The latest Card was issued in 2010 and I did not use it for any purchases but kept it for emergencies only, and was due for renewal at the end of July 2014. However, sometime in Feb 2014 they sent this surprise automatically generated note; “Would you like to keep your Barclaycard account open? We've noticed you haven't used your Barclaycard Classic card for a while and thought your account may longer be needed. That is why on 9 April 2014 we'll close
  3. Hi, Great forum you have here! I owe £7300, spread over two credit cards - capital one (£3100) and bank of Scotland (£4200). I've been unemployed for over a year and was making the minimum monthly repayments on both cards , stupidly perhaps using what savings I had to make the monthly repayments. Now I have no spare cash left at all, I'm on £71 JSA per week and furiously searching for work. I live with my brother in a rented housing association house so there's no mortgage. I've written to both companies today, outlining my situation and basically offering to make a minimum paym
  4. Hi all, I really need some advice and help. In a weeks time, my Nationwide overdraft will be changed from £4500 to £250. I also have a overdraft of £2500 from Natwest. In total I owe £7000. I still have a week till the overdraft is official changed. What are my options? I would like to be able to agree something with Nationwide. I really dont want to screw up my credit score, in case I want to get a house in the future. Unfortunately I dont have a job but expect to get one within the next 6 weeks. What is the minimum payment and time schedule can I get them to agree to.
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