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4 Defaults & 1 CCJ removed - how long for me to be mainstream credit worthy?
Hi all, I've been browsing these boards for a while now but just registered today. Usual story, I got myself into loads of debt back in my early/mid twenty's, 18 months ago my credit file looked something like this. CREDIT FILE 18 MONTHS AGO* CCJ Viking Direct - £400 outstanding * Defaulted RBOS current account £2350…
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Newbie require some information please...
Hi, can anyone tell me if the new lloyds tsb card (air miles duo) is coverered by the same rules as the original American Express rules. As I am a bit firghtened after reading on here about the limits American express go to with regards to statutory notices and charging orders on peoples houses. Also could anyone tell me…
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The "Money Pot Estimate" challenge!!!!
Hello fellow money-savers & DFW's, I have a lot of money!!! (well in small change anyway). It all needs counting out and cashed in. The pictures below show the container which is roughly 23cm in height as you can see. The coins are a healthy mixture of 1p, 2p, 5p, 10, and 20p. There are also a few 50p's and some £1s. Lodge…
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Being Treated Unfairly By Debt Collectors?
By no means am I an expert in this area as it was only yesterday that I was asking advice about a debt myself. However, I do feel that after a lot of research I thought I would point out how people can actually report/do something about the terrible behaviour of some debt collecting companies: 1. DO NOT SPEAK TO ANY…
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Goodbye..........
.....from me. I've decided the time has come to walk away from MSE. The support over the last 3 years has been fantastic and I've turned my life around. However, I now feel I have nothing to contribute and that there are many others who are much more experienced than me or are saying the same as I would so I just feel…
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Response re: my Full & Final Settlement offer
Hi All This morning i received a letter from the DCA regarding my full and final settlement offer. The debt stands at £683.45 and I offered £204.90. They have rejected it (I wasnt expecting them to accept!) and said they can go down to £512.59. Should i send back another letter saying that I really can only afford…
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old debt ??
hello, wondering if anyone can help me ,i have been recieving a letter from a debt collection agency asking me for money from HSBC ,this account i closed back in 1993!!!! i have been asking for information about this debt but they never ever produce anything .i have never acknowledge the debt to them either where do i…
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My rambling SOA - Advice welcome
Incoming: Salary (Main) - 1800.00 Additional Income - 250.00 Outgoing: Broadband (Virgin) - 18.00 Credit Card (Virgin) - 25.00 ( 0% APR till Jan 2009. O/s £7,291 ) Gas ( EDF ) - 25.00 Elec ( EDF ) - 20.00 Tel ( TelecomU ) - 5.00 Tel ( BT ) - 15.00 Water - 37 Loan (A&L) - 300 ( 7.9% APR O/s £11,470 Ends Sep-2011 ) Mortgage…
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Decision to be made
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Saturday 14/06/08 What small dfw things have you done today???
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…
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DCA Question
I'm now on a DMP with CCCS that will start to pay my creditors in July. One of my creditors is a DCA and they seem to be ignoring the DMP totally - I came home on Friday to find a letter with a 'sorry you were out when we visited' card in it (even though the letter had arrived with my mail, so no-one obviously visited). On…
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The day after the night before ...14th June
Well folks I am up for work:cool: although I will be all by myself....so feel free amuse me by text:D A violin and a nurse for Z... and 2 handsome men for all you ladies... no please honestly ......you really dont have to thank me. Although it would be appreciated:D Have a nice day folks :hello: :kisses3:
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Just a qik question
If you hand back your keys to your home but you already have a rented home from a family member to move to and you are JSA so that means that u`r poll tax and rent is payed for you and the only people who know u`r new address is bt,bank,tv license and the doll office and because I`m not on the electoral roll as yet so…
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Repossession Order - American Express
Hi guys/Ladies, I need your help! I ran up a £3,000 American express credit card bill and they (their solicitor - John drake) took me to court back in Oct 2006 and obtained an interim charging order. A final Charging order was granted in March 2008 and today I received a repossession hearing from Brighton Magistrate for…
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will I get a ccj?????
:confused: Hi there, I am hoping you can put my mind at ease, I have been dealing with cccs and am going on a DMP, But i am really worried as they say there is a rick of ccj's:eek: This is really worring me as it will effect my employment and I could loose my job if I get one! Does anybody have any idea of what the chances…
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ISA Question
Hi, I have seen an ISA available through quidco with L&G. This pays £110 cashback. Which would be better, paying £50 off debts per month or paying £50 a month into the ISA until the cashback clears then paying the whole lot off the debt in a lump sum? I currently have the majority of my debt on low or no interest until the…
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What is a process server - statutory demand from Amex
hi all I have received a letter asking me to stay in so they can serve me a statutory demand on behalf of Amex BUT I am not sure who the company is working for as up to now i was getting demands from Newman DCA for the debt and now this letter arrives The DCA is in default over the CCA request and is getting quite narky…
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Percypenguins DFW Diary and SOA- let the money roll in!
Hi All, well, here is all about me! I am 24, married with a beautiful 11 month old Daughter. My hubby works full time and I work part time while my mum looks after my daughter. We are currently living in a one bedroom flat (which we own) and are trying to sell. Problem is with the house prices dropping so rapidly we are…
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Evening Chat - June 13th
Hi there everyone, been reading the posts this evening and all well done to you. Ive had the worst time recently and i have got to get back into it. I have been very bad things came up this week, and i got in a tis, alot to do with needing a new sat nav. but got a deal on one on offer in tescos. then at work we are in a…
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Partaaaaay! Spooky Fri 13th
Anyone up for a bit of a party??? :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:
