Below is a link to an example Full and Final Settlement Letter Template you can use to make an offer of repayment to a creditor to settle the balance you owe. You would normally make a full and final settlement offer if you have come into some money, and would like to get rid of some…
Today I realised I had forgotten to set up a new standing order for my Capital One Debt. In January I received a letter informing me that Capquest had purchased the debt and they provided me with updated bank details. I cancelled the existing standing order and was supposed to set up a new one…
Yesterday I received a voice mail on my mobile phone and it appeared I had missed a phone call from Lowell Portfolio. A robotic voice left a message asking me to call and to quote a reference number. I phoned back as I was intrigued as to what they wanted. My Call to Lowell Portfolio I called…
Credit Cards can either be very useful, or they can be your worst enemy. They can be useful when spreading the cost of a large purchase making it easier for you to buy something. However if you get carried away, the debt on your credit card can quickly escalate and cause you more problems, not…
In this post I look at five examples of how debt can have an effect on you. Debt is something that some of us end up in, and it can be a very difficult time. Some people don’t let their debt directly affect them, myself included. My next post will talk about how I don’t…
A friend of mine recently applied for a Luma Credit Card so I asked him if he would give me a review of it. He kindly agreed so today I am writing this Luma Card Review. This review covers the application and what happened after the application was made. The Application Process My friend applied…