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Is it legal?
Hi i really need your help.I am currently studying in University of bedfordshire and my study will be over when i hand my project in in two weeks time.when i first joined the UNI 3 years ago i stayed in student accomodation for a month.then i found a house with my other mates and left the hostel.It was fine until a year…
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Back Dated Interest
Hello. I have a creditor who has not previously charged me interest but within their Terms and conditions they can charge interest after 1 month. after approx 1 yr of clearing said debt I receive a letter stating £2k of backdated interest is to be charged is this acceptable? any views appreciated? thanks
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So Pleased - DMP possibility - Catch up!
At the beginning of the year we had a lightbulb moment and realised we had £25k debt and loads of debtors. I contacted CCCS (who are fab) and they helped me sort out a realistic budget and advised token payments of £1 for all our creditors as we literally didnt have any extra after being on the lowest allowed budget.…
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sending off Notification of DMP letters and
need to complete reason for change in circumstances does it matter what i put true reason is gambling addiction (being addressed) and living beyond means (denial!) thanks
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Where was this site 8 years ago??
I'm only just starting out and it's taken me ages to work out how to post this 'thread' so who knows how i'll get on with the rest! It all seems quite daunting but I'm determined to make some claims although the big money is lost due to time elasped! Oh how I wish this site had been here during my dark days of crushing…
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Newman DCA - Ian Beim Associates and statutory demand - HELP
HI all I have been following the guidance on here and sent off the relevant letters to Newman DCA and still only got the application form and not the credit agreement. Last week a man turned up at the house when i was not in and said he had a letter to give me and wanted to meet me. Today i have a letter from a company of…
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Payplan or National Debtline??? Advice and opinion please.
Basically which should I go to with my debt. Payplan have sent me an email and it seems too good to be true, and I am a bit sceptical. I haven't yet phoned national debtline. Any advice, experiences etc would be canny.
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Giving up unleaded
We have had the giving up booze posts. We have had the giving up fags posts. Well I am starting this post (after a quick search and not finding any other) on giving up something much more expensive. Welcome to the Giving up Unleaded post (Diesel also applies) I intend start using my push-bike or walk anywhere possible. I…
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And they wonder why people get into debt!
I did a mystery shop today at a high street bank (well its £20 towards the debt hole!) and used the scenario that we had credit card debt and wondered what the best solution to the problem was. The advice given to me was to consider transferring it to our mortgage and if we went down this road, we might like to consider…
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Credit Expert report shows no defaults..
I have approx £18k unsecured debt ( loans and credit cards) mainly with halifax and Natwest that i defaulted on over 4 years ago i took them all out in 2002. around 18 months to 2 years ago i did a credit check ( 30day free trial one) and it showed everything all my defaults with natwest halifax etc. i have today recieved…
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What to do next for the best??
In short I and my other half have various credit card debts totalling £10,000 dating from five years ago. After getting interest/ penalties frozen I made minimal repayments for the four years then a year ago made full and final settlement offers to all via third party. They are all dca but all refused and wanted much more…
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I've done it.........
I'm or rather we're (myself and Mr Triker) debt free.:D How much did we owe? £46,000 in total. How did we pay it off? We finally sold my old house. Luckily we were just about able to cover all the debts in full. There's nothing left though but we don't care. How does it feel, fuggin fantastic, especially after we realised…
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Tried to negotiate debt repayments with creditors on your own? Please help the CAB
What's this about? If you've had debt problems but decided to negotiate repayments with creditors directly, instead of via a debt advisory service, the Citizens Advice Bureau (CAB) would be grateful for your feedback on why you chose to do it yourself. So whether the feedback you have is good or bad, if you've a few…
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Seriously stressed and upset, please help!
As from my post earlier today I found out I have a CCJ against me from 4 years ago. I was not informed of this as I moved properties and the court papers were sent to my previous address. I only found out about it through my credit report. I spoke to the debt collectors who obviously want their money. I spoke to the court…
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Is It Possible To Change From Cccs To Payplan?
Hello All Just A Very Quick Question.. I Have Been On A Dmp With Cccs For About 3 Years Paying Between £700 - £900 Per Month. They Are Threatening To Terminate My Dmp Now Cos I Have A Made A Few Months Payments A Little Short Of What We Agreed. Is It Possible For Me To Change To Payplan? Will Payplan Get Funny Etc About…
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I just can't stop spending!!!
I previously posted reagrding my debt so you may recognise my tale of woe, however I thought it best to wait a month and track all of my expenses. I currently have a loan for £5000 with an additional £2000 insurance coverage. I am trying to sort our the coverage at the moment as I think it may have been sold to me wrongly.…
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Allied International Credit phone call - what did they want?
This afternoon a guy called me from Allied International Credit telling me his name and asked me if there was a 'Mr or Mrs Bart Girl available'. (there is no Mr BartGirl anyway - but i didnt tell him that!!) I said I was Mrs and asked who he was. He repeated his name and company name. Just 'Allied International' he didnt…
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Successful Iva, But Now Chasing Wife ??????
Hi, I am 2 months into an accepted IVA agreement and the Cooperative Bank have now decided to pester my wife daily with regard to our joint bank account liabilities which have been accepted into my IVA agreement. My question therefore is, Is this correct and legal? Surley logic says, that if they have accepted the debt…
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My Blog
Hi Everyone, I recently realised that I am way overcommited on credit and have finally taken the bull by the horns and tackled the problem by calling CCCS and starting a DMP. It's a struggle but I have just made my 1st payment to them and most of my creditors have accepted already. The weight has been lifted off my…
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Full and final payment problems
Hi all, I am writing to ask for some advice, if you would be so kind. I have had poor credit for over 10 years, due to nobody's fault but my own. However in this time I have always worked and 3 years ago managed to obtain a mortgage to buy my own house (a friend lent me money for a deposit). I recently requested my credit…
