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AKTIV KAPITAL getting hold of my details?
Hello, I had a letter today off Aktiv Kapital, telling me that they conduct intensive data matching using British Telecoms OSIS databse and the electoral roll, they state that one or both of these information resources had confirmed we lived where we live. Then they go on about a debt that is outstanding, What I want to…
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Another demotivator
When I worked (in a very nasty, stressful job) I used to keep my self on the straight & narrow by working out how many hours/minutes I had to work to buy stuff. For example: if I fancied a new top it would work out to the equivalent of 3 hours in a s***hole being sworn at & stuff (yes, my job was that bad) It worked…
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Drowning Help!!!!!
I have MS and can no longer work and we had to move to a new house. It has turned out to be more expensive than I realised. I am drowning in bills and struggling to make my monthly payments and the letters and phone calls demanding payment are stressing me out. I'm not sure what to do first. Please help!
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Drowning...Need a liferaft
A newby to this site after a recommendation from a work colleague. Currently in a really low place at the moment and think I probably needed to reach this rock bottom as a wake-up call but feel very isolated and alone because I feel too ashamed and embarrassed to speak to my friends about my debt. I currently owe about…
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help should we sell
hi all been a lurker for ages on here now, to long time to post i feel. long story but we have overspent in the past always managed to come through it, we were just surviving but now oh has been made redundant as of tonight (do not come in tomorrow), has been offered one month in lieu and one week extra as been there a…
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Provisional SOA
well here it is SOA first draft, i know I will have forgotten some things and this may effect the outcome, but it does look like I have some cash to spare to pay off the debts. Oh and BTW have included my bonus in the salary box as we have not missed for the last 6 mths and I have managed to pay off 4 debts totalling…
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CCA - what does this mean?
Hi I have recently sent 2 requests for CCA's for two debts, one which i am currently paying and one i have not paid for years and had forgotten about! The one I am paying (Thames - CC debt) sent a reply basically saying "We are not the original creditor and do not need to supply CCA, but as a matter of good practice we…
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Had a fight with a bailiff (Please learn)
Ive also posted this on CAG Well I fell for it? you'll understand why! Background Was paying off council Tax £100/month from december, agreement to pay end of each month. End February/beginning March had this years through the post and was over 10 months I phoned Walsall council and they agreed to 12 payments end of each…
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Desperate calls for desperate measures!!!
Hi all, I joined debt free wannabe last year. Things were looking really bad for me. Got myself into a lot of debt and a mortgage which I couldnt cope with! I put my problems on the forum and lots of you (which I thank) came back to me with money saving ideas and solultions. Unfortunately the only way out for me was to…
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Glasgow Meet 7 Jun 08 - ONE LAST PHOTO!!!!!!!!
Hi everyone starting another thread for this as the original one was getting rather large and PAP cannot make it now :( I suppose with it not being too far away we need to can put together an attendee list and come up with some ideas and go firm on a meeting point. Attendees so far (which I shall add to ): lennymfo…
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desperate for help
today i received a county court summons as as part of my debts i owe £7k on a credit card to lloyds tsb,i paid as much as i could until my wifes illness left us with little to pay,i explained that i already had a charging order agst me and the judge said lloyds tsb had ignored the courts invitation to challenge it and thus…
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An apology
Hi guys, have not been on for a couple of days hardly. I have felt so crap. I think i have got myself so worked up about new job and it has downed me like a wounded moose. Things i cant talk about on open forum. And i was supposed to meet Cat today for lunch. I completely forgot. Having said that i have spent the last 2…
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Credit reference agencies
Hi all, I've just read some information on checkmyfile about the 3 credit reference agencies (link below) and it seems to imply that Experian is next to useless to lenders as it hardly contains any information. Firstly I'm surprised by this as some of the info with big red crosses (eg searches, account performance) is…
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DMP & Bank Charges?
I am currently nearly at the end of setting up my DMP all but 2 have accepted my offer through Payplan, but the remaining 2 have progressed through to the Court and I presume to gain CCJ I have continued to pay them monthly for the past 4 months but they are like a dog with a bone!!! :mad: , the 2 remaining are my bank…
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Improving my credit score?
Does anyone know much about improving your credit score? I have signed up to experian to see my report and forked out the extra £6 to see my score! My actual credit history doesn't look terrible on the report - there are only 2 late payments showing to my 2 catalogue accounts (happened last year). None of my credit cards…
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Evening chat - April 24th
Good evening everyone, after 4 months on the board and lots of posts, i have had my ups and downs right up untill today with spending and the debts etc. Yet, tonight ive really come to the conclusion as its payday tomo that with the prospect of being able to own my own home next summer in my dream location i have got to…
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Is it too late?
Hi all, I hads a c/c with Natwest which i was struggling to make the repayments on last year. After burying my head in the sand for ages it was eventually passed on to a DCA (outstanding balance was £6400). They offered to settle the debt for £5000 but as i didn't have that kind of money at the time i agreed to pay £50 per…
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Unscured Loan Charges
Everyone is talking about bank charges but does the same apply to unsecured loans? I got in to trouble a year ago and entered a Debt Management Plan. I am now making full payments but Alliance an leicester clocked up over £2000 in arrears which they have now added to my loan. Is there anything I can do????:confused:
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Ruddy Barclaycard!! Help!
Hi All I'm new to here so bear with me on this one. I had a credit card with Barclaycard some years ago now, and I was a bit naughty and didn't pay it...ever. They have no caught up with me and passed my debt onto a company called First Credit. First Credit have informed me that they require the full balance or I will get…
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Has anybody recieved a letter from marston/drakes bailiffs ?
I go this courtesy of my client for who i am dealing on behalf of.
