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About Me


Found 15 results

  1. Hi all, Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland. I have accrued around 47k of unsecured debt among six creditors in the UK. 1 Ratesetter £23.8k P2P loan 2 Barclaycard CC £4.9K 3 Tesco Bank CC £5.9k 4 Virgin Money CC £6.2k 5 Hitachi deferred payment £4.5K 6 V12 Secure Trust Bank £1.8K I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I w
  2. looking forward to sunday On sunday it becomes illegal for companies to chage a fee for processing credit and debit cards. Now this is no interest to the private parking forum becasue quite a few companies such as Euro Parking like to add an imaginary £1.50-2.00 unicorn food fee to their bills. The dodgy DCA's do the same. Now, if they are claiming that you knew about these add ons because they were in the contract that will void the entire contract If you are wanting to pay them bec
  3. Over the past two years i've racked up an incredible amount of debt, it reached as much as £60k last Christmas but this has now come down to c£50k. I have a gambling problem which is where all this debt comes from and which is why its so hard to shift. The pressures of this debt, personal relationships and job insecurity have started me feeling anxiety and stress related symptoms, i don't want to over-egg this but going to the GP recently i realised that things had to change. As you can imagine the largest problem i have is being reliable with any substantial sum of money in my account.
  4. British Summer Time So less than a week after spring has officially sprung and we suddenly find ourselves in British Summer Time. Of course this is nothing to do with the seasonal situation, it's the annual clock change that takes us into Daylight Saving Time. How did this come about and why? http://www.itv.com/news/meridian/2016-03-24/simons-blog-british-summer-time/ Everything you need to know about 100 years of British Summer Time http://www.irishexaminer.com//examviral/fun-times/everything-you-need-to-know-about-100-years-of-british-summer-time-389281.html … In 1947
  5. Hi all. Hope everybody had a good Xmas. Over the last few months I have been thinking long and hard about my financial situation, and more so how to get out of the renting circle and back into owning my own home. The facts are: Old Life 40 year old (male) Divorced September 2007 Marital home repossessed 4/08 ( I left 10/07 - Ex left 12/07) Repossessed due to no communication between her & I **NO EQUITY IN PROPERTY** House sold leaving approx. £20k shortfall - No paperwork/court case as our new address not known. Various unsecured debts with no communicat
  6. My son rents out a property via an estate agent, despite repeated requests they are not releasing the rent. They have held this cash for 22 days now, blaming everything from money laundering to slow bacs payments. What can he do to make them pay the rent into his account.
  7. Halloween is approaching.Can you believe this event is coming around again. I get so excited this time of year. Already i have been in shops,supermarkets going down the aisles trying masks on,putting claws on. Appearing around corners of aisles. giving friends the scare of the day. Playing with the puppet ghosts things like that. Seems to raise a smile or two in a world of serious issues. Or wondering perhaps when i will be locked up. You are never to old to enjoy these things.Not that security does not give you strange looks as a claw appears to shake their hand. But it usu
  8. Some of you may know that Ive been dealing with Lowell for nearly 8 months now. Well today i rang experian and found out that Lowell have gone past the 117 searches on my credit profile and done approx.... Wait for it..... 200 Searches I would like some advise on this as to what to accept as a resolution. I have one account with them a Cap One Card, which is currently standing at £300 remaining. Im thinking as below; Is this a reasonable resolution that I should request? I got a response from Sara De Tute herself which advises she will contact me today
  9. Dear Caggers, I have worked for NHS as a community nurse for nearly 30 years now. Last financial year (April 2013 to end of march 2014) I had two major operations. The first operation was in may 2013 and I took 4 weeks paid sick leave. Then I had a second more complex one in October which landed me in a coma for 10 days. I had 3 months sick leave. I went back to work on 20th January 2014. I was put on a phased return for 6 weeks ( which incidentally was pretty much full time work) . My Case load was very busy and no one at work mentioned to me I ought to use up my annual leave b
  10. Labour is calling on the Government to bring forward plans to introduce a cap on the cost of payday loans. Last month, the Government unveiled plans to amend the Banking Reform Bill and cap the overall cost of short-term credit. More : http://www.mortgagestrategy.co.uk/news-and-analysis/politics/labour-wants-payday-loan-price-cap-brought-forward/2004156.article
  11. The industry has put forward a range of alternative Financial Services Compensation Scheme funding models to achieve a fairer way of levying regulated firms. The FSA’s consultation on reviewing the FSCS funding model, which closed last week, proposes increasing the annual limit of claims paid by investment advisers from £100m to £150m and calls for claims exceeding the annual limit for one class of firms to be met by a Financial Conduct Authority “retail pool”. It also proposes basing the levy on either one third of the claims expected over the next three years, or the costs anticipated for th
  12. If someone applies what's below to DCA's they will soon change their stance. A businessman plagued by nuisance phone calls offering compensation for Payment Protection Insurance has secured £220 in an out-of-court settlement. Richard Herman, 53, was so fed up with the unwanted calls arriving from India, he decided to take matters into his own hands. He warned the company that, in future, he would invoice them £10 for every minute of his time they used. When the calls continued he began recording them before finally invoicing the company £195 for their use of his "time, telephone an
  13. Hi Guys, I received a letter today which states the following: Dear Mr (my name) We are trying to contact (My Name) to discuss an important personal matter and have been provided with this address. If you are the above please call us urgently on 01702 444766 in order to discuss this matter. Should you believe the information we have is incorrect please contact us so that we update our records and stop any further correspondence on this matter being sent to your address. If we do not hear otherwise within the next 10 days then we will assume we have the
  14. Hi, I hope someone can help me or give me some advice, I'm really anxious and don't know what to do for the best. Basically the story is that I got in from work last night and had a letter waiting for me from a company called 'Pace Forward', it says that they are trying to contact me 'in order to discuss a personal matter'. I was immediately concerned as the wording of the letter is very vague, it doesn't say what it is relation too but it says to call them immediately, it goes on to say that if I am not the person named above then to contact them so they can remove my address from their
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