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Okay, time to actually get act together.
Hi all, I posted the other week about getting a CCJ through the door. Nice thing to wake up with and give you a kick in the face. I was originally going to be looking at going onto an IVA as I had been told that this would be the best option. In total I have just short of £21000 ranging from 2008 to 2017. I have been…
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SLL account with no credit file entry - been given a settlement offer - help!
[FONT="]Hi, just looking for some information relating to an old Sunny debt. They sold it on to SLL Capital and marked the account as “closed” on my credit file without defaulting the account.[/FONT] [FONT="] [/FONT] [FONT="]SLL haven’t updated my credit file with a new entry or default, but I’ve been making…
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Debt
Credit Card (23.7% APR (variable): -4155.47 Current Account: -17.88 Help To Buy: +1808.49 Personal Loan (Not sure what the APR is): -1994.69 These are my current debts and I am uncomfortable being almost 6K in debt, I've done well as I was 10K in debt but I am just tackling the last lot. I am looking into a balance…
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HSBC Identity Theft Being Taken To Cour
Hope this is the right place to ask for help. I was contacted in 2011 by Westcote saying I owed HSBC £900, I've never had a HCBC account so was referred to my local branch where I had to fill in a load of forms, provide copies of I'd and copies of signature. They also referred me to contact police fraud number which I did…
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DMP/token payments
Hi I've done the debt remedy on step change and they suggest a DMP. But I did it based on what I'm hoping my income will be in March when my ex has to start paying child support. Should I do the token payment thing until I've got the child support money coming through? He stopped paying a couple of months ago and it's…
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Student Overdraft!
Hello, I have a student overdraft of £2000 in which I've held for about 5-6 years now. My bank is with Natwest and my current account is now a "Select" account, as it was previously called "Student" and then to "Graduate". I am in full time work earning enough to repay this overdraft but I am terrible with saving my money.…
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Share your bailiff story
Hello, Have you had an experience with bailiffs in the last couple of years? If you have we’d like to hear your story, good or bad, on the website we’ve set up: https://www.bailiffreform.org. It’s easy to share your story and we’re hoping to use the responses to show the Ministry of Justice that the bailiff industry needs…
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Small Claims Court - Warrant Suspension?
Good morning, I am currently in small claims court with an ex-housemate who is refusing to pay outstanding council tax and utility bills. She requested to suspend the warrant so that the bailiffs would stop visiting her parents property. She offered me £10 a month for a debt of £607, I refused and advised I would take no…
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Wrong advice leading me to owe £9k
Last August I enquired to the Student Loans Company about doing a 1-year HNC in Construction. Now I already had three years of funding for my first degree - at UcLan, in Journalism with Eng. Lit. and my question to SLC was having had those three years of funding, knowing that everyone gets 3 years plus 1 "gift year" -…
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How do I work out date of default?
Hi everyone, I hope it's ok to post this here, I've searched first and can't find any similar questions or answers. I've checked my reports this morning and was wondering how I work out date of default on historically defaulted accounts. I know in the past it clearly said default date but now all I can see is date last…
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Help in delaying ccj
Hi all, I posted here several years ago for one of my service users and got some help. So I'm hoping you could be as kind as to help again for another of my clients . Can someone delay a ccj being issued? The long version is below I've been helping a client for several months and she's been to see me today with her mother.…
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Should We Sell Our Home?
My wife and I are 53/59 yrs old. We have $0 savings and retirement. We have over $32k in debts excluding our home. Our household income is $140k. Several agents have inquired with us to sell our home. We owe $71k on our home and they are offering $170k. Should we sell our home to become debt free?
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Using an overdraft to pay payday loan?
Hi everyone I am wondering if anyone can help me. I have done a few searches and can't find the answer anywhere. I currently have a £7000 overdraft with Amigo Loans with an extortionate interest rate. Now I can't complain as I agreed to the terms on the loan. I have now been offered at £5000 overdraft on my HSBC account…
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Disagreement with OH
Hi all, Long time reader here and I'd just like some confirmation that my OH is wrong! We've gotten ourselves into a lot of debt, issues with cars and then my maternity leave and crippling childcare costs - though none of this is excuses just extremely bad financial planning. Our little one starts school in Sept so…
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Budgeting help
Hi I'm just wondering if anyone knows if the best smart phone apps for helping with budgeting etc? So many out there I guess they aren't all as good as each other.
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Equita hassle over Dart Charges
Reposted in (hopefully!) the correct forum. Hi there, Just as a background (to help you understand my position) In Feb 2015 my mother died. Due to this a couple of months later I had to move out due to family disputes. My post was sometimes given to me no problem at all and sometimes I never saw it (and found out my father…
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Crippling debts.
Hi guys, So I'm at a point now where I haven't paid any of my unsecured/payday loans for quite some time. It got to the point where they had mounted up so much I was choosing which ones to try and pay because they were totalling more than I was earning! In the end when I was switching jobs I decided to just give up. It…
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Consent Order
Hello Can anyone advise on behalf of a work colleague. She has been served court papers for a debt of which she has no knowledge and is desperate not to get a CCJ so has sent a defence. The company has writtten to her saying they have put court action on hold and if she withdraws her defence of the cliam they will draw up…
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Stayed case?? Restons/Arrow case
Hi all, I'm hoping you can help. Restons solicitors recently lodged a claim with the Northampton courts which I defended. It is for about £1200 and an Aqua card debt. It was claimed on behalf of Arrow. The time within which they needed to respond has now passed so I am going to call he courts tomorrow to check that it is…
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What small DFW things will you be doing this week? WC 19/3
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…