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Help : Debt Collection Agencies
Hi All Hope you can help Has anyone had the experience of being chased by two companies for the same debt. What is the legal position regarding ownership of the debt? If you make a settlement with one company in theory you could be chased for the same debt even it was settled. I am at present paying two agencies and…
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CCA requests and Mail Order/Catalogue companies?
Are mail order companies bound by the legislation affecting credit agreement requests? I have sent a CCA request to a debt enforcement agency trying to get to the bottom of a very very old debt and they are saying as its a mail order company - they don't have credit agreements - you are bound by the fact that after…
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Abolish Financial Services Ombudsman
Dear Forum members If like me you've got an horrendous experience of the FOS or know anyone else who has, you might be interested in a petition to abolish the Financial Ombudsman Service. Its available at: http://petitions.pm.gov.uk/FOService/ :T If link doesn’t work can be copied and pasted into browser. Please forward…
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Nuisance calls from Capital One
Can anyone please give me some advice with regards to Capital One Story is I used to have a credit card with Cap One, I paid off the this credit card in full July last year, the sum I owed was approx £700 total. When I rang up to pay off the card I specifically said will the account be closed and I will no longer receive…
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New Bank a/c & Debt
I need to change my bank account and would prefer to use one of the High Street Bank due to problems with internet banking but I do not have a brilliant credit rating anyone know which bank is more lenient on opening accounts for people in debt?:confused:
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whats the next step for me please
Hi received this letter this mornin and i think its a ccj its from northampton county court and the adress is county court bulk centre 4th floor st katherines house northampton nn1 2lh the particulars of the claim are The claimant claims money payable by the defendant to the claimant for the price of goods supplied full…
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So what do you do when you can't cut any more?
I am the divorced mother of a disabled son aged 25, he needs 24/7 care. Father long since fallen off the face of the earth. Son does go to a day care centre, but this doesn't mean I am free during the days - there are times I am called to deal with issues, he can't go if he is sick, he has doctor appointments, hospital…
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Looks like the Big B (bankruptcy) for me
Hi everyone Had my CCCS counselling session this morning, and it's looking like bankruptcy is the best option for me. We had a very long and detailed chat, and I was stunned at the figures which emerged. I'm over 8k in debt, and with my monthly budget (after absolute necessities) there's simply nothing left over for debts.…
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I've done it!!
It took 2 years, 1 month and 18 days but today, ladies and gentlemen, I AM DEBT FREE!! It's been hard work and I've been lucky to have a job that had plenty of overtime available (working an average of 72 hours a week/7 days a week for two years, no holidays etc etc) but I'm there! I'd also like to thank Martin for…
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Pap/Moozies What have/will you spend Wednesday 20th February??
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a super Wednesday:)
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ignore!
ignore lol :P
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How to get in debt, in simple steps (Was I this dumb?)
I have recently joined this forum… I have been writing SOA’s and keeping a spending diary, anyway here is my story in short stages. 1. I can go on holiday, and only pay £50 per month for the next year, get me my shorts and sun cream! 2. I will use this credit card for Christmas shopping, its really good because I can pay…
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Don't be so hard on yourself...
I have, in the past two years, cut my debt down from £16k to just under £5k. I have been miserable nearly the whole time. A big chunk of cutting this down was getting rid of my car the was on HP and buying myself a cheeky little fiesta (wich cash I might add) which was a huge help. This year I have decided to not be so…
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daily chat thread 20/02/08
Morning everyone :D got loads to do today but am opting for sitting here posting and eating leftover cake for breakfast. going to leave the negativity of the past two days behind me and get on with some stuff. Have a good day everyone xxxx
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CCA CCJ help needed
I am in desperate need of some decent advice, I sent off a CCA request a couple of days a go to Weightmans who are trying to collect the money for HFC bank (credit card), however I have now received a County Court claim form from Weightmans & don't know what to do?? I only have 2 weeks to get the Count Court form back & if…
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What small DFW thing are we doing today 20/02/08?
Hi, Thought I'd start the thread off this morning. Today I will:* Turn off electric appliances that are not needed (lights & security light) * Made lunch for work (bought a pre-cooked chicken reduced from Tescos last night) * will re-do my budget and inform CCCS (or I think they cancel my DMP:eek:!) * will leave the house…
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My credit rating is good...partner is going on DMP
Hi, My partner is about to start her DMP which will ruin her credit rating. Her rating at the moment is actually ok with no missed payments, but only because she has been using overdrafts and credit cards to pay off other credits...rob peter to pay paul situation. This is no longer sustainable so a DMP is due to start…
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Repossession + £96k *update*
I posted the following info a week ago and got a lot of replies, which have inspired me to take this further and maybe get some justice !!! So thanks to those who have shown an interest so far and if you have any advice please let me have it. Since the original post I have sent the information to The Council Of Mortgage…
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Paranoid's Debt Free-Wannabe Diary!
Hi, well I've decided I need something to make me realise how rubbish I am with my finances, and having admired from afar the many diaries on these forums, I thought it high time to start my own! I'm 24, living in London and embarrassingly I am very well paid for my age (in my own opionion). In reality I really shouldn't…
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Advice needed
I am new to this site and was looking for some advice I am having some major debt problems and wondered if it was best to remortgage and consolidate the debt or write to my creditors and tell them I can't pay and look at seting up a DMP. What is the downside of going down the road of not paying my credit debts. (Will it…
