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Debt-Free Wannabe | Forum profile
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Forum profile page for Debt-Free Wannabe on http://www.moneysavingexpert.com.
This report page is the aggregated overview from a single forum: Debt-Free Wannabe, located on the Message Board at http://www.moneysavingexpert.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Debt-Free Wannabe" on the Message Board at http://www.moneysavingexpert.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on Debt-Free Wannabe:
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Week
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3 Months
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Threads:
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860
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2,643
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4,837
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Post:
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8,061
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22,445
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39,780
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Debt-Free Wannabe Posting activity graph:
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Top authors during last week:
user's latest post:
CAA request updates / results...
Published (2009-11-24 20:47:00)
Have a read: http://forums.moneysavingexpert.com/...0817&highlight The 12 test cases!
user's latest post:
Tuesday 24th Nov daily chat-Xmas...
Published (2009-11-24 21:05:00)
Quote: Originally Posted by sallyx I really hope the banks bank charges are ruled as unlawful tomorrow and they start paying out...I need that money Why, is there going to be a final decision tomorrow? ...Linda xx
user's latest post:
Really old debt - What can I do?
Published (2009-11-24 22:45:00)
They would have ti prove to a judge that they had tried to chase you for the debt and you had moved to avoid it etc before they would be allowed to chase an old CCJ. I think yoru best bet is to contact them and send them the statute barred letter - if they say there is a CCJ etc then deal wit it then - at least you'll know and you can stop jumping at shadows. At the end of the day they can't have what you haven't got to give....
user's latest post:
Perfecthome
Published (2009-11-24 12:38:00)
I beleive they are within their rights to call but that you are within your rights to ask them to leave. You can specifically revoke their right to visit your property (which people sometimes do with debt collectors ) but otherwise there is 'an implied license under English common law' that they can call. See this letter - http://forums.moneysavingexpert.com/...9&postcount=60 (not suggesting you send it but it quotes the law...
user's latest post:
Tuesday 24th Nov daily chat-Xmas...
Published (2009-11-24 20:20:00)
Quote: Originally Posted by beanielou sammy~D&G have a new perfume called Rose the One~Its really nice~lovely 7 light for every day Oh... I may go and have a sniff of that....
user's latest post:
Tuesday 24th Nov daily chat-Xmas...
Published (2009-11-24 22:19:00)
Quote: Originally Posted by beanielou Meant to say what would I do without you all. Thanks for being therefor me. It means a lot to me. And likewise - you are one of the most supportive people on this forum xx
user's latest post:
Moorcroft debt agency
Published (2009-11-24 23:50:00)
Type the name, do not sign. Also put a deadline date of either 7 or 14 days from the date you post the letter, otherwise they will never reply. I've tried to make one (modified one from never-in-doubt), but be sure before sending any letters, someone here checks it over to ensure it is correct. Quote: Dear Sirs, Account No: XXXXXXXX I write with reference to previous communication regarding an outstanding balance on the above mentioned...
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Latest active threads on Debt-Free Wannabe::
Started 5 months, 3 weeks ago (2009-06-06 11:03:00)
by DevonGirl
Wahay - we have a new thread!!!!
Thanks Fermi!!
_ party_
Started 1 day, 16 hours ago (2009-11-24 17:01:00)
by Katy83
Hi there donefor,
First of all well done for posting, there is no debt problem that cannot be solved and facing up to it is definitely the first step.
I am no expert with respect to your personal situation but the first thing anyone will do is to get you to fill in an soa (statement of affairs). You can find the link here http://www.makesenseofcards.com/soacalc.html and if you copy ...
Started 3 weeks, 6 days ago (2009-10-29 16:30:00)
by Purpleroses
Started 1 day, 20 hours ago (2009-11-24 13:16:00)
by BenS1
Just some advise: Ask for a Subject Access Request (SAR), which includes the original signed Consumer Credit Act 1974 agreement which was signed (so they claim) by your OH. If they can't provide that, then tell them to fob off as it won't be enforcable without the signed CCA agreement
Started 1 day, 15 hours ago (2009-11-24 17:54:00)
by DarkConvict
If they goto court to enforce the debt via a CCJ, they would need a valid CCA.
If you have a scanner or access to one, scan in the documents sent. Blank out the personal details, uploading to a site like photobucket and post links to them on here. Im sure people can tell you if it is enforceable.
Creditors will often send out blanket replies saying that it is enforceable when it is not, ...
Started 1 year, 10 months ago (2008-01-03 00:05:00)
by greyskittles
Thanks for explaining... it still doesn't make sense to me though as my 'recent transactions' only show £1.27's worth of clicks, yet underneath it say:
Quote:
Based on your current confirmed transactions your predicated payout amount is £14.93 . However if your pending transactions change to confirmed by the...
Started 4 weeks ago (2009-10-29 08:51:00)
by BigMummaF
Here are some threads to help keep us on the straight & narrow & if you know of others, please post. Many of the lunch box ideas are aimed toward children but could easily be adapted for adults.
November Grocery Challenge . First page of any Challenge has lots of recipes.
Tinned Food Recipes.
Leftovers? Dont Throw It.....
Started 1 day, 12 hours ago (2009-11-24 20:33:00)
by ailsajayne29
i suspect they have or know they are going to... recieved similar letter from halifax stating £15 flat fee (from £39 on my account!) for bounced dds etc, and apparently no charge at all for unplanned od........... really get the feeling we are all gonna get some great news tomorrow!! just waiting for the letters saying here is all your money :-D what happened with the credit card ones? did they ...
Started 1 day, 1 hour ago (2009-11-25 08:22:00)
by Katy83
Morning Katy and everyone who follows
Thanks for starting the thread Katy!
Am really stiff this morning after my riding lesson last night, we were doing some jumping and I was so nervous! Properly shaking like a leaf...managed it though! Am feeling quite proud of myself today.
My list for today Breakfast and lunch from stores
Dinner from plan (pasties and wedges)
Check banking...
Started 1 day, 11 hours ago (2009-11-24 22:05:00)
by onlypaddy
It is in your name....did you make the application? If not, it's fraud. It's illegal to apply for credit in someone else's name
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Hot threads for last week on Debt-Free Wannabe::
Started 5 days, 1 hour ago (2009-11-21 08:12:00)
by tigzem
Morning PAP and all that follow.... busy day for me today, DD swimming lesson at 9, quick visit to Mr T's afterwards, back home for housework/washing, then driving to Poole to visit my poorly Nan in hosp, she got blown over in the wind last w/end and broke her pelvis, then we're going to BIL's tonight for lasagne and singstar...and X factor Go twins.....
Would love to get hold of one of ...
Started 6 days, 2 hours ago (2009-11-20 06:39:00)
by sammy115
thomas has been found Bunny...rough night for me. I have what Snags has I think, I can't speak today! Not sure where that came from and my chest is so sore. Chloe made herself sick from coughing and coughed all night.
So no nursery for her today, which is just as well as they were supposed to go dressed as cowgirls and cowboys for children in need and I forgot....
Was gonna go out ...
Started 1 week, 4 days ago (2009-11-14 10:35:00)
by never-in-doubt
*** Update to original thread Unenforceability & Template Letters ***
There are still lots of questions going around the forum regards to unenforceability and whether 'you can get your debt wiped' (or words to that effect). The bottom line is that if you have a credit product, from before April 2007, and the company or DCA has already defaulted you then it does no harm ...
Started 1 week, 2 days ago (2009-11-17 07:37:00)
by sammy115
I am ignoring the fly lady list...
Still tired but working today for me...going to make a stew in the slow cooker and add dumplings later...nom nom....
Started 1 week, 1 day ago (2009-11-18 08:09:00)
by bookseller1980
Hope today is better for you Sammy.
Blowing a gale here.
Started 3 days, 1 hour ago (2009-11-23 08:00:00)
by bookseller1980
Happy Birthday Linda!
Hope you have a lovely day.
Jobcentre day again.
Then Hobbycraft for miniature flower pots.
I'd tolerate a job I hated for a while. Mortgage about to bounce.
Started 1 week ago (2009-11-19 08:22:00)
by Lucifa73
Morning PAP (and all who follow)
So happy for you that Thomas is back. YOu must feel like a load has lifted off you.
Not planning on setting foot over the door today - weather is miserable so having a cosy day at home.
Didn'tget any flying done yesterday so a bit of catching up to do...
Wednesday~ Master bedroom
Level One
Declutter floors
Strip and wash ...
Started 2 days ago (2009-11-24 08:33:00)
by gilligansyle
that is far too scary.
Today I will be trying to find my dining room table under the pile of ironing. From the door the table looks like its wonky but I don't know if this is just because of all the ironing on it.
Facebook is playing up for me at the moment, its not been the same since they changed the feed thing.
Must not spend all day looking after animals in Farmville or playing ...
Started 2 months ago (2009-09-25 06:43:00)
by Numpty Monkey
Started 1 year, 10 months ago (2008-01-03 00:05:00)
by greyskittles
Thanks for explaining... it still doesn't make sense to me though as my 'recent transactions' only show £1.27's worth of clicks, yet underneath it say:
Quote:
Based on your current confirmed transactions your predicated payout amount is £14.93 . However if your pending transactions change to confirmed by the...
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