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About Me


Found 19 results

  1. Hi In March 2016 I received a County Court claim form from Shoesmiths for a HSBC Account for £8000 for a credit card I had defaulted on in 2013 acting on behalf of ARROW GLOBAL. I defended the claim and sent a CCA request to Arrow global they were unable to provide any documentation not even a reconstituted agreement and as a result I received a letter from them stating the ccj claim was dropped and all collection activities would cease. In April 2019 will be six years old and drops off my credit rating and I’m trying desperately hard to get my life back six years later and g
  2. I've been getting bills in order, cutting out the crap like putting phones on sim only canceling gym memberships which aren't used and the like. I've a few debts to deal with and will be getting a copy of my files from all three agencies shortly but one sent a letter recently and I'm fairly certain 6yrs have passed since I last paid anything or communicated with them. Debt is £2686.03 originally with Littlewoods but the letters have been coming from Lowell, one prior to this was an "amazing offer of 60% off" if I settled. I'm assuming they've also figured out 6yrs have passed? Ne
  3. How to clean your computer I have a dirty secret. I've never cleaned my computer. Sure, I've dusted my monitor, but I haven't taken off the cover or tried to reach the crumbs lurking inside my keyboard. And I honestly don't know the difference between pressurized air dusters and compressed air cleaners. "Your computer could fry if you don't keep it clean," says Jonathon Millman, chief technology officer for Hooplah Interactive. Whether it's a desktop or laptop/notebook computer, dust and lint can clog the cooling vents. This can cause your computer's brain—the central proc
  4. I'm currently divorced but have recently noted from the divorce documentation that a Clean Break Consent Order is needed to ensure my financial future is protected from any claims my ex wife wants to submit. There are many online websites that can help, for a fee, but I want to do this myself if possible - is there any specific forms I need to complete or download since I cannot locate any on the internet. any help appreciated.
  5. I found this info on the interestrateripoff thread http://www.nytimes.com/2015/11/28/us/politics/bill-gates-expected-to-create-billion-dollar-fund-for-clean-energy.html?ref=business&_r=0 I hope we are seeing the start to tackling the reliance on fossil fuels which means we could have cheap energy which is cohesive for society. It also addresses the conflicts in the name of oil and gas and countries ultimately holding us to ransom.
  6. Hi folks, new to the forum and need some advice please. History: I went into my bank to get an overdraft last year and was rejected as my account wasnt old enough and they suggested to wait a year and also open up a savings account to improve my chances. Which I did. So I went in a couple of weeks ago thinking id done everything to get an overdraft only to be told that they STILL couldnt offer me an overdraft. So I was advised to check my credit file to see why I wasnt being accepted seeing that my history with the bank is excellent and Ive made no searches and done nothing to warrant re
  7. After sticking my head in the sand for way too long I've started on the road to clean up my credit history / outstanding debts. Anyone had any dealings with the below providers / how easy will it be to setup repayments with them? Tower Credit (CCJ) - Paid Capital One - £361 Motormile Finance - £221 + 2 others (not sure on the figures yet) Payday Express - £135 - Waiting for an email back, will repay in full. Lowell - £337 Express Gifts Limited - £93 - Will repay in full, just need to find who the debt was sold to. Cash Genie - Huge interest on this one (Debt Value: £2,851.0
  8. Hi All. I have a bunch of debts that have been hanging around for years under a free debt management plan. I want to clear these up now. Firstly, my main concern is that the totals currently 'outstanding' exceed the original borrowed in the first place by quite a while. Also, the debts have been passed between a number of agencies and in some cases I don't even know what the original debt is anymore. I'd also like to note that these collection companies have added plenty of money on the totals too so maybe I need to request a statement from them AND one from the original le
  9. Please sign and promote this petition: https://www.change.org/petitions/prime-minister-this-petition-is-to-clean-up-the-financial-enforcement-industry-by-creating-a-public-authority-whose-members-are-selected-by-public-vote This petition is to set up a publicly run body overseeing all debt recovery personnel, debt recovery businesses and government financial penalty issuing authorities. The public body members will be selected by a public vote. The public run body will have full authority to grant licences to, investigate, punish or dismiss any court appointment bailiff, d
  10. Banks and building societies have been urged to come clean about cuts to interest rates for savers after it emerged there have been 750 changes to key products this year. An investigation by The Telegraph found that 76 lenders had reduced the rate paid on easy access savings accounts between January and June. The lenders involved ranged from giants such as Royal Bank of Scotland and Nationwide to smaller institutions such as West Bromwich Building Society and Sainsbury’s Bank. Experts said the cuts took the average interest paid on the accounts from 1.14 per cent to 0.97 per cent — costi
  11. I came across this having seen it on the BBC Breakfast news. I've just moved into a place where it seems passing cars, especially in the evenings, think that passing Burger wrappings out of the window and cans or anything else they don't want to take home is acceptable. It's not. I spent 30 yrs+ on a private estate where this kind of thing didn't happen, we certainly didn't wake up in the mornings to find a heap of old car parts or tyres left or building rubble fly-tipped. We do here and it's disgraceful. What is it that makes it acceptable to dump rubbish on someone else's spac
  12. Seymour Fortescue, former chief executive of the Banking Code Standards Board, said he believed that payday lenders had about a year to clean up their act or face compulsory regulation. His appointment follows a damning report from the Office of Fair Trading earlier this year on the £2bn industry, with the possibility that the OFT will remove credit licences from the worst offenders. The OFT is still investigating the industry, which is booming as households struggle for cash to buy necessities before payday. The short-term lenders offer loans at high rates – often in excess of 4,000pc a year
  13. Citigroup and Bank of America Merrill Lynch reported disappointing fourth quarter profits on Thursday, as the sub-prime mortgage crisis that unravelled more than five years ago continued to hinder two of the country's biggest lenders. Citigroup, the third-biggest US bank by assets, reported earnings of $1.2bn (£750m) in the final three months of the year, or 38 cents per share. That compares with $933m in the same period a year earlier. Excluding one-off factors, related to restructuring and accounting for outstanding debt, the bank earned 69 cents per share, well below the 97 cents p
  14. hi i have sent all 5 of my creditors a request asking why i owe the alledged amount i dont dispute owing them some money but not to th eoutlandish claims they have! one i do totally disagree with is sky as i was told when i took it out " i had to have the HD pack it was the only one they did" when i rang sky a few weeks later then confirmed i had been misold and that i could cancel with no charge i nopw havr landed a bill 2 years later with no propr communication for £400! one thing i did want to check is that when i have sent the second letter requesting deatils of debt if i either dont get a
  15. http://www.talkingretail.com/news/industry-news/retail-industry-awards-2012-winners
  16. Clean Reinstall - Factory OEM Windows 7 How to Clean Reinstall a Factory OEM Windows 7 Published by gregrocker 15 Mar 2012 Clean Reinstall - Factory OEM Windows 7 How to Clean Reinstall a Factory OEM Windows 7 Information A clean reinstall is often better than getting a new computer since most PC's come larded with sponsor's bloatware and useless factory utilities that have much better versions built into Windows 7. For this reason many tech enthusiasts clean reinstall using the Product Key on the COA sticker affixed to machine. 1. Downlo
  17. that is the question well its Friday so I better had. wish me luck folks I will emerge triumphant in a little while....I hope
  18. Hi, Im new to the forum and have joined for help. My credit file and score has been obliterated by payday loans and defaults. I am about to engage in settling and cleaning up my credit file. I figured i can negotiate with payday companies and all i want is to propose a reduced settlement figure in return for settlement of the debt and my credit record updated accordingly. I intend to make an offer and have them send me a letter accepting the offer and agreeing to update my record. Without receiving this letter i will not proceed. Is this the best way to move f
  19. Looking for a bit of advice here. Am going for a mortgage in October and am i the process of trying to clean my credit file. There are a couple of defaults that i have no idea i had so i have challenged them without saying i owe the debt using a CCA letter. Now 2 others were disputed back in 2009 by myself. One with Virgin media the other with Monument. I have now again sent CCA Letters to them but i am now kinda thinking that i have also accepted the debt as i have refered back to 2009 in the letter. Have i shot myself in the foot with this? Would it be better to let leave alone or fight
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