 I have $7K in credit card debt how do i get a consolidation loan ?? |
| About $7K in credit card debt. my credit score is very poor around 450. I cannot get approved for a consolidation loan, i dont own a home to take out a 2nd, im living pay check to pay check. I really ... |
|
 How did you get your credit started? |
i'm having a hard time starting my credit. I just need some ideas what works good and what doesnt.
The do's and donts about starting ... |
|
 Will my bad credit count if i'm out of the country? |
| I have 2 credit cards in UK and owning them few hundreds pounds and sometimes missed the payment. If i stop paying it and leaving these debts behind and back to my home country . Will this bad ... |
|
 I was late on my mortgage payment... can my mortgage company remove this? Would it be legal? |
I was late on my mortgage payment (biggest mistake EVER!!) I have been sending letters to them for months, trying to figure out how to remove the "late" on my credit.
They keep ... |
|
 Should I pay this credit card charge? |
| One of my relatives who was living with us recently left the U.S. and went back to his country. I don't think he will ever return. But his credit card bills still arrive at my house. He is being ... |
|
 Can i write a check on an overdrafted bank account? |
| if my bank account is overdrawn and i want to write a check to pay for something, will the store be able to run the check through?... |
|
 Eviction serious answers only? |
| I am currently in housing court , in an eviction process. I have tried everything under the sun to try and get the money to pay arrears but have had no luck and i am going to be evicted out of my ... |
|
 How can a $3,000 credit card become a $13,000 law suit? |
| My boss had a credit card 4 years ago for $3,000 he didn't pay. Now he has a civil suit against him for $13,554.37- is it legal to do this? Isn't there some cap on how much interest they ... |
|
 Death and debt? |
| My mother passed away and left behind a 16,000 credit card debt. Who is responsible for paying this debt? Does it die as well. My mother was a house wife...my father works out of the country and ... |
|
| What bank in the United States allows a 16 year-old to get a visa check card or similar? |
| I want to get a Visa check card, but all of the banks I have called have said "Come back when your 18". This is extremely frustrating. Do you know of any banks that let you have one while ... |
|
 Can a collection agency or law firm attempting to collect a debt harrass family members? |
| A collection agency and a law firm continually contact my parents (with whom I havent lived for over 20 years). Their phone number is unlisted. My father has even been cursed at. Is this legal?... |
|
 What does Cash on demand mean? |
| I have a credit card and it says that it has cash on demand. What does that mean?! Thank you in advance........ |
|
| Should I pay debt collection or ignore? |
| I had a cell phone a couple years back that ended up going WAY over my plan minutes due to work use. Work agreed to pay their share, then bailed. The cell company cut off the phone and wanted the ... |
|
 Will this affect my credit? |
| My dentist thinks I owe him $100. I disagree. If he reports to a collection agency, will that severely harm my credit even though I don't think it's my fault?... |
|
| I've been subpoenaed for $2000 credit card debt, what's the recourse if I don't go? |
| About 12 years ago, I had 10 credit cards. Through various debt consolidation agencies and extra cash, I paid off most of them. 3 of them I left flapping in the wind because those particular ... |
|
 Capital one taking legal action? |
I owe capital one 3000 and somehow now its 4000
a bill collector called me and said that i need to pay that amount or their going to sew me. I told him I cant pay all that amount but that Im ... |
|
 Whay would you do if you were fired for reporting bank fraud?move on? persue wrongfull termination??????????? |
| worked as gsm at a car dealer in fl. i am also on probation till my sentecing wich is going to be a dropped felony.it had to due with a bad addiction wich i am getting thru .i also diclosed this to ... |
|
 Does filing bankruptcy or having your house foreclosed on affect your current credit cards that u have? |
| If I file bankruptcy or let my home be foreclosed will that affect my current credit card interest rates? Im in great standing with my credit cards. After the foreclosure happens can the credit card ... |
|
|  |
sheila c | What can I do about goods ordered but not delivered in the specified time? |
On 29 December I ordered furniture from my local Harveys Furnishers and was quoted an 8-week delivery period. Five months later and I am still waiting. I have contacted the store in person, by telephone and by letter but have had no response. I have contacted Harvey's head office but haven't heard from them. I paid most of the money and signed a Fixed Sum Loan Agreement with 12 months interest free credit for the balance. There is seven months left to run on this but I have no furniture to show for it. I want to cancel the order and get back the money that I paid up-front, but what do I need to do to cancel the loan agreement? Do I have to sue them, and, if so, how do I go about it? What are my rights in this instance? Presumably, the credit company will have made a payment to Harveys for the furniture that I am still waiting for, so, in theory, I have to pay them. Or do I? |
 |
 
Cockneyrebel
 |
watchdog,!
Contact the head office. say they have totally exceeded the agreement and ask for your agreement to be cancelled! 5 months is outrageous. We were quoted 16-18 weeks for a leather suite which took 22 and came in the wrong colour( dark brown instead of black) complained highly told them to take it back or 25% off...we won! why are you paying before the item arrives? bombard head office with letters phone calls etc...make sure you send letters registered post to ensure to can state the letters were received..then contact Trading standards. The fact that you have heard nothing from Head Office is very suspect...Citizens Advice Or Trading Standards is your best bet!
Also small claims court...it will cost you approx £40 and get trading standards on your side..I did it with MFI ! I won again |
|
AbeLincolnParty
|
The amount is small enough that you could take them to small claims court, but before you do that I suggest the following:
1) Report to the state attorney general.
2) Report to the better business bureau.
3) go to the library, and find a book on contracts or other general legal topics to see what legal concepts come into play for your problem.
4) Write a certified letter (keep a copy for yourself) to the company and the lender stating the problem and your expectations. Give them a two week deadline to reply, and tell them if you have to go to small claims court you expect to be compensated for the time taken to prepare a legal case and other expenses.
5) Check to make certain (at some point) that they are not messing up your credit report, if so add your side into the report. |
|
omfg_its_googles
 |
You should hire a lawyer and once he contacts the store they will do something now that they know you are willing to take this the next step. |
|
Jen
|
Contact the company you are making payments to first and explain that you have received no items and that you want to know how to handle this matter with them. You should also go to the local store you bought the items at and demand the order be cancelled, and get it in writting. If they refuse, contact your better business bureau and file a complaint and see if they can further assist you with getting the order cancelled.
As for getting your money back. Once the order is cancelled, the retailer needs to credit back the financing company, who then will need to refund you.
Good Luck |
|
crazymental
 |
credit agreement has been broken by them so you can ask for your money back. |
|
rocky
|
There is a site where people have had problems with harveys. I can't remember what it is but have read the stories on it try searching for it |
|
lsenn
|
Dispute the charge on your credit card. This takes a lot of hassle and paperwork, but it will be worth it. Tell the company that is not in compliance that you intend to challenge the charge. That will probably get their rear end in gear and get you your furniture. |
|
esmerelda v
 |
You can get your money back, see trading standards |
|
scottie
|
see your small claims court for advise, it costs pounds to inact |
|
Marvinator
|
The Federal Trade Commission has a 30 day rule on items paid for. The store has received thier money and are behind on this, even past hte 8 week time frame.
Contact the store, ask for the manager and stay on the phone until you talk to them. Explain the situation and ask what needs to be done:
A) you will receive your furniture and a date of receipt
or
B) y ou will contact a lawyer. Any lawyer would jump at this. It's an open and shut case. Paid for items. Not received items. Led on for 5months. Tell this to the store manager and also point out that pain and suffereing for living WITHOUT those pieces may get into the millions of dollars.... |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 7 minutes(s) ago
| | | |
10 | 21 minutes(s) ago
| | | |
10 | 45 minutes(s) ago
| | | |
9 | 51 minutes(s) ago
| | | |
10 | 57 minutes(s) ago
| | | |
10 | 1 hour(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
10 | 4 hour(s) ago
| | | |
13 | 9 hour(s) ago
| | | |
10 | 11 hour(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
