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About Me


Found 5 results

  1. Hi there! I am so pleased to have come across this group and see that I am not alone This is my first post and I have spent a good hour reading through similar situations, and feel a lot more informed that I did when I woke up this morning. I took out an overdraft with Lloyds TSB aprox 5 years ago for 1,500 pounds when I was living in the UK (I now live in Spain and have done for 4 years). To be perfectly honest, I foolishly became so involved in life here that I forgot about my overdraft in the UK. That was until the beginning of last year when my step-father called me to
  2. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and
  3. Hi All Little bit of advice please. I have received a letteri today from HPH2 Ltd stating an old barclaycard debt I have been paying to MKDP LLP for the last two years has been passed onto Robinsons Way who will now be managing my account. My question is, as I have not received any letter from MKDP LLP confirming this, should I contact Robinsons to arrange to carry on payments or should I wait to hear from MKDP LLP before making contact. Also will my monthly direct debiti be transferred automatically or will I have to set a new one with Robinsons. Dont wan
  4. Hi all, Sorry this may be a tad long-winded!! Car purchased from Welcome Finance in mid-2008, stopped paying the instalments in mid-2009 as I was unhappy with the car, how they operated and how they had treated me. I have no records from that time as to when the last payment was made but I know that the car was returned to them around October 2009. They agreed on the phone to collect the car and because I had rectified some existing faults at my expense etc etc I was told the final balance owed was up to £300 once the car had been handed back depending o
  5. Hi all, After hearing nothing for sometime, noticed I received a letter (attached) for a Statute Barred debt from over 7 years ago from Robinson way saying "Thank you for your payment, which leaves the balance as stated above. We have agreed with you to pay your account by installments." This has amazed me as I have not spoken to anyone let alone made ANY payment to them. How do I go about making sure they are not trying to set me up , do i send the Statute Barred letter to data controller or do I need to adjust it and add something in to request the allege
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