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not sure what to do creditor taking me to court.
i received the papers yesterday about an old loan debt that i unfortunately defaulted on the repayments and now their taking me to small claims court. i filled out the N9A form and have offered to pay them by monthly installments of the full amount that's left every month after living expenses and other priority debts i…
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Can they keep applying charges once a/c passed to debt recovery?
If an account has been passed to a debt collection agency can the bank continue to apply charges and interest?
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Limitation Act, section 87 and old student loan
I have an old student loan. Haven't made any payments in more than six years. Loan co. now apply to Court. I say "statute barred" because no contact from me in more than six years. Loan co. says section 87 of Consumer Credit Act applies, because they say the six years should run from when the default notice was served, not…
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can anyone help?
i don;t know what on earth i am doing, me &hubby are in about 22k debt, on various cards of various interest, i don't know how to pay it off. we do both work but i am the only one who seems worried about it. should i look for loan to pay it off then pay the loan or does debt consolidation actually work. at the moment we…
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Requesting CCA
I am wondering if some kind person could point me in the right direction please. I have just written to my creditors informingt them that I can no longer pay them minimum payments and have made them all pro rata offers. As some of my creditors are longstanding I would like to satisfy myself that each of my creditors can…
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Full & Final Payment - Advice
Has anyone any experience of making an offer of full &final settlement to a DCA? I ask because I occasionally get offers from a DCA offering to accept 70%. In the past I've ignored their offer as I didn't have the money. However I am now in a position to clear the outstanding balance and was wandering what sort of…
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Starting over...
I posted over a year ago and had lots of advice from various people...thankyou. However, I have had a disastrous year and am now approx £6K MORE in debt than I was then. I'm not going to bore everyone with the details, but I really want a baby (I'm getting on a bit and it has to be soon) so have to seriously tackle my…
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BT broadband subscription - should i cancel
Hi, I have an 18 month contract with BT. I have since moved in with my girlfriend and she already has broadband connection from another provider. My feelings are to cancel my direct debit as im only 7 months into the contract. I dont need BT services anymore but will cancelling my direct debit with them hurt my credit…
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My debt
I was considering taking out a consolodated loan but after reading posts on here I dont think it is the way to go, I owe about £22,000 I am just about paying off the minimum at the moment I will get a soa posted to see if anyone can help you are all so supportive on here its such a big step to admit you've got debt and I…
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Am I being harassed? Statute Barred & a dodgy company
This is very odd, as I am pretty sure that I am debt-free, and my Experian credit rating is healthy. A while ago, I was contacted by 'Link finance' regarding an MBNA card that I had years ago. According to them, I owe approx £280(ish), from a card that I thought I paid off in 2000. Now, I have not verified my details with…
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Microsoft IT courses
I have posted this on the Tecchie thread too, but this is my "home" and more people here so I have posted it here too. My OH currently works in a warehouse on nights and is fed up. he has built several home PCs and enjoys it and wants a change of career. he saw a guy from Advent training about doing the MCP and MCSE…
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Hubbie messed up everything
Was doing so well this month. Even managed an overpayment to DMP. Now discovered hubbie blown £120 on gambling website. We've been married nearly 4 years and this is the 4th time he's done this (and the main reason we're in debt - he used my cards and blew thousands) We have 2 children aged 1 and 2. I think I should leave…
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What small dfw thing have/will you do today 12/02/08???
Sophie is missing in action again so i'm going to start this off again today. I really cant get my day togeher without posting in this thread. So keep it low people and have a good day!!! Today I will; * check online banking * investigate next car boot * maybe decorate with leftover paint. * make hm gifts * dry washing on…
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Requesting CCA
Due to circumstances beyond my control a number of credit cards have recently defaulted me, they are about to sell the debts onto to DCAs. My question is: Is it better to request a CCA after they have been sold in the hope they have had longer to lose to agreement, or does it make no difference and I should just to it now?…
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just a quicky regarding current accounts and dmp
hi all so i'm still trying to figure out the best option for us after speaking to cccs. Just a quick question i have regarding dmp and our current account. We live out in the sticks (really have to drive to practically anything!)however we have a branch of nationwide that is in walking distance thus why we have always…
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Amatheya's Debt free by 30 diary
Hi all, Well, I'm jumping on the diary bandwagon... mainly because I need somewhere to vent. I started reading dfw forum about a year ago now (scary) and it's been so much help. Reading all the tips and especially joining in with all the challenges, I've never actually managed to reach a challenge goal but at least I'm…
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CCA Request - What Happens Next?
Hi All, Not been about for a few days; busy, busy, busy!! Hope everyone's good. I've just got a quick question that I'm sure someone can answer! I sent a CCA request to Lowell Financial, because I had a sneaky feeling that they would be the one creditor of all of mine who couldn't supply it. Their 12+2 is up tomorrow, and…
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PaP/Moozie's What will/have you spent today Tuesday 12th Febuary thread
Morning all:hello: Should be a NSD here:rolleyes:, but I have my two three-year old nieces (twins) coming round, so who knows:confused: :rotfl:. Hope you all have a fantastic super Tuesday:)
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Daily Chat Thread 12th Feb
Morning everyone! It's soooooooooooooooooooo cold here this morning.. really frosty and icey. Looks like it's going to be a nice sunny day though! How's everyone doing this morning?
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quick question
hi,was wondering if anyone can help answer my question? my husband has a number of people he owes money to (he is currently paying them off )slowly.. as we have only recently got married and the debts have nothing to do with me(they occured before we met)will this affect my credit rating? as we are now at same address?cos…
