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Pro rata payments to creditors
Can you point me in thr right direction to the letter I send to creditors offering pro rata payments.......Thanks in advance.
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3 debts in 6 months
Hi everyone - I have been plodding along ok on the DFW wagon but things aren't moving as quick as they could be and Ive started sneaking the odd takeaway, mag, lunch at work etc soooo I have set myself a challenge :eek: I have 3 annoying debts that I want to clear. Comet - 153.43 Dorothy Perkins - 398.12 MBNA - 1850.00…
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A bit of debt restructuring advice please
Long time reader, first time poster, I’ve been using this site for a long time and recommended it to everyone who shows the slightest interest in saving money. Some people don’t care though and I can understand why Martin gets exasperated at these people as they are doing exactly what the banks/supermarkets, etc want them…
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Letter from debt collectors about debt I don't owe - help!
This morning I have received a letter from Lowell debt collection agency demanding repayment for a debt of £499.44. I don't owe them any money and have never dealt with the company they claim I owe the debt to...(1st Credit). So could some of you knowledgable people tell me what to do next please as I certainly don't want…
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can i move a bank loan to a credit card? Help!!!
hiya everyone, just wanted some advice really, i have a loan remaining of 5,700 with lloydstsb and everytime i seem to check it never goes down, im fed with paying such a stupid amount in interested but am scared of moving my loan. i was think an interest free credit card so i could get rid of the bulk of my loan. i am a…
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How to pay a ccj?
There is a ccj on my OH credit file and we want to pay it so that the matter is settled but how do you go about it? Do you contact the OC to make the full payment or do you have to get the ccj set aside in court in order to be able to make the payment? Also if it is set aside and a new judgement entered then this means…
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Old debt - advice needed!
Before I start I'll give a bit of background. 7-8 years ago I got myself into quite a hole with respect to debt. I'm ashamed to say I took the bury your head in the sand approach and hope they would go away. Well they never and two or three years ago companies started to catch up with me. As they did I paid all of them…
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Following request for my CCA, the DCA has come back with a reduced offer to settle up
Is this what they usually do when they know they know they are unlikely to be able to dig up a valid CCA? The debt in question is for something I am not entirely I sure I owe and will be statue barred within the next few months anyway as it will be over 6 years old. A slightly shortened version of the letter I got (from…
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Tribunals, Courts and Enforcement Act and DROs
Are people aware of the new Tribunals, Courts and Enforcement Act of 2007? It should have come into law but loose ends are being tightened up. Elements of this Act look set to give debt management companies new and wide ranging powers over creditors regarding those 70,000 people who owe very large sums of money. It is the…
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Snotty letters
Hi Just a quick one, honest! We are into our DMP with CCCS now which started in April, some of our creditors have accepted it, some have not but on the whole we arent being hassled as we went into the DMP at the stage where we went really behind with anything but realised it was going downhill and things couldnt carry on…
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Credit File HELP!!!
Hello all and thank you in advance for any help you may offer. I have obtained my credit file from the three main sources(equifax, experian and call credit) on two of them is a debt which has shown me defaulting every month since 2004!! Now I have started to behave and as of May have started paying them some money on a…
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The kindness of the DFW Family
Today I went to the post office to pick a massive box of gorgeous girls clothes sent to me for free from a lovely DFW. :j Thank you soooo much Jinky, it is most truly appreciated and reminds me of why I love this forum so much. After a really crap year, things like this make me so happy and I know I am lucky to have met…
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Others' council tax arrears... .
Hello, How does council tax work...? I moved into this flat a couple of months ago sharing with a couple of others. Today a letter arrived, addressed to a previous tenant saying they owe them £1500 in council tax arrears. Am I personally liable in any way? Is council tax the responsibility of the property as it were, or…
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Will Natwest accept my DMP payments?
Hi, I have recently started a DMP with CCCS. I have a £2000 overdraft and approx £3000 loan with Natwest. I haven't paid anything into them for about 2 months but haven't heard anything off them. Does anyone have any idea how Natwest respond to DMP's? Thanks x
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what will u spend, saturday 21 June???
afternoon all:hello: will pop out later for some groceries, and report back :rolleyes2 . hope u all have a great weekend:)
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credit reports removal of account info
Hi all On credit reports it says that accounts of more than six years will be removed regardless of if they are clear or not, is this 6 years from the date the account was set up or from the day of last activity? my report is still showing accounts from 2001 and I just wondered when these are likely to be removed…
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Is it worth contacting MBNA about interest rates?
Quick question for you expert lovely people.... 2 of my credit cards are with MBNA (one MBNA, the other A&L) and both have upped the interest rates a while ago to 2.52% monthly which is a whopping 30% a year. Is it worth my time writing to them to ask for a reduction in interest rates so that I can make headway into my…
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I need a hug
Hey guys. Sorry for asking but i really need a hug. I've just sold DP. I know he is going to a loving home and will be very well looked after but jeez it hurts like hell!!! He has been my constant companion for 3 1/2 years, he was the one person that was there for me through my year of depression and absolute hell, always…
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DMP questions??
Hi all, Posted on here last week with my situation and received loads of helpful advice and tips so thanks to everyone for that. I phoned Payplan today for some further advice and have an appointment on Wednesday evening for more in depth advice and options. I found them very understanding over the phone and very helpful.…
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Bankruptcy Question Scotland
Hi guys, Can anyone clarify how long after i'm discharged the OR will be able to seize any assets/inheritances etc? I was under the impression (i'm in Scotland) that anything I gained after a year of going bankrupt would be mine, and have received 2 conflicting opinions on this from CAB. One thought I was correct, and the…
