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  1. Hi All, Thank's for taking the time to read this. I know there's tons of information out there regarding such matters - and after much research, I think have a pretty good grasp of what needs to follow, but I'd really appreciate your advise or any input you have! The low down: 2012, low point in my life, lots of debt (I know, I've had my spanking). I have a perfect history for over 5 years now - so it's essential I avoid a CCJ at any cost! The debt was a current account / overdraft. It was defaulted in late 2012, on my credit report, it's showin
  2. TEMPLATE AT THE MOMENT WILL UPDATE IN A BIT NORTHAMPTON (CCBC) county court Claim no xxxxxxxx Issue Date Particulars of claim The Claimants claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 wherby Lloyds BANKING GROUP original creditor provided the defendant with a credit card. In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assig
  3. Hi All, I am creating separate threads per debt (continuing from this thread: Will defaults be reissued if I am only making £1 token payments?) (to figure out how I can get defaults removed. OC (DCA) Amount Owing: Barclays OD (Credit Solutions Limited) £11,669 Last Payment: £2 on 6 May 2014 to Credit Solutions Limited as they are the ones chasing me for this debt, I last sent them acknowledgement in Feb 2014 to setup token payments. Per Noddle: Lender – Barclays Bank Plc Account Type – Current Account (Overdraft) Status – Default Account Start
  4. Received letter from BRW Legal demanding payment on a current account. I wrote back sayhing I have never had this account. They never replied instead sent claim through CCBC for full amount plus costs and interest. Form says Current account agreement regulated by the comsumer act 1974. I have acknowledged the receipt of the claim. What should I ask BW to provide or what can I.
  5. Hi All, Having finally come to terms with the severity of my financial situation i am now about to start my first steps with the kind help of StepChange. Your help, advice and guidance will be greatly appreciated as i have no income and have to leave my privately rented flat within a month... My current account with HSBC has had an agreed overdraft limit of £2000 for about the past 5 years ( having had a reasonably paid job ). I also have a credit card with them with a limit of £12,000. My account has been incurring charges for about the last 5 months and recently i have has letters
  6. Hi, My Premium Account is being scrapped and I rely on the following features of it: 1.) The fee-free overdraft 2.) The mobile phone insurance 3.) The breakdown cover 4.) The travel insurance Now they are closing the account, I will be switched to the every day account which means I'll be charged £1/day for being in my authorised overdraft up to a maximum 20 days in any one month. Due to the way I'm currently running my account, this means I'll end up being charged £20/month for my overdraft, but get none of the "perks" For this reason I'm looking to move my acco
  7. I have other threads and have found very good advise here. I have my main current account with Santander after they took over the business of the A&L. The account dates back to the early to mid 90s and it came with a Flexiplan account attached to it. A standing order goes out every month to the Flexiplan, when the account is in credit it's like a savings account but it also has a credit line of £750, which is totally independent of the overdraft. Every month a small amount (just under £3) gets debited from my current account as 'Flexi Premiumcare'. This debit has be
  8. i have an outstandng dispute with egg card and heve been chased over the years by various DCA'sI have now heard that Barclays have brought egg.I have a barclays account can they take money from this account to settle the egg card
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