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Just Got Back From Court
Hi Just got back from local court who granted a forthwith order to one of our creditors, therefore we are to get a charging order but with no enforceable sale. We had a representative from CAB with us who disagreed about it as we have not missed a payment on our order from the court through the CCJ. But the judge wasn't…
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Frustration......
...... Decided to go down the IVA route and very happy with the decision I have made. I have been advised to cancel all my direct debits to my creditors but Natwest won't allow me to cancel the direct debit for their loan as there is still money o/s, regardless of the fact I have told them that I am making an offer of…
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Feeling Positive Today
I have about £4500 on my cc's spread over 4 cards with only £350 on a 0% intrest. Well I've being tring to get the rest of it on 0% for ages but I've been a bit reluctant to keep applying in case it damages my credit file even more. Well on Saturday I got a letter from Barclaycard saying my application was accepted with a…
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Still chasing me for old CCJ
Hi Everyone, In 1993 I had a CCJ against me for a loan with Llyods Bank. I used to pay £10 per month and over the years I presumed it was paid off. But in 2006 I got a letter from a debt collection agency stating that I still owed £1300 which was quite a bit more than the original loan. I disputed this but was told it was…
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Saving vs Paying Debt
Hi All I have been having a think about when i am interest-paying debt free, what to do. The "interest free" debt is owed to my mum. She is in no real rush for the money, I have owed it to her for a year roughly and made a couple of payments (debt is now £4750 was originally £7K). I will be interest paying debt free…
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Need advice
Hope im posting in the right forum for a start :p Me and my partner are wanting to get married next year but i have alot of personal debt and business debt as i was self employed. I have a crap credit file while his is perfect. If we marry and i take his name will he be taking on my debt and crap credit file? Im so worried…
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SOA - where can i save money
Hiya, I have been looking on this board for quite a while and thought it was time to post a soa to see if anyone has any ideas where we can save money as we seem to keep getting in overdraft. Our income/spends are as follows per month: INCOME Salaries £2780 Child Benefit £82 Child Tax Credit £70 Total = £2932 EXPENSES…
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OK... debt diary of a new mum!
Hi all, I posted a thread last night and have decided I will try to do a proper SOA now and see if I can get some help sorting everything out. I am finding it so confusing that I just want to give up but I know that's not the best way to do things. A little background first. My DF has never been very good with money. He is…
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Equifax showing no debt
Hello,I have been advised by national debtline to complete all credit agency searches I have just doen equifax and they are showing no debt whatsoever.Am I doing something wrong or are equifax not relaiable,I have just paid £11.95 for the report.:o
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Help with SOA and offer letters/company debts etc
Dear board, (I have just spent almost an hour typing my first ever post, only to lose it all as I’d timed out! D’oh!...try again….) After months (if not years) of burying my head in the sand and ignoring the phone and recycling un-opened post, I’ve finally begun taking steps to regaining control of my finances and my life!…
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Hello from Piquant
Hi – I thought it about time that I introduced myself. I’ve posted a few times now and joined a couple of challenges, but have actually been lurking around the forum for about eighteen months :o During that time, thanks to you guys, I have managed to shave about £10k off my debt. So a big round of applause to all of you…
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Bailiff (Equita) letter for previous owner
I keep receiving letters from Equita Certificated Bailiffs for the previous owner of my house regarding an outstanding 'unpaid penalty charge' due to a London Borough. This is in connection with an outstanding parking fine. They keep saying they're going to turn up to take her car away but, to date, haven't. I received…
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Fed up and don't know what to do!
Hi everyone, This post is probably going to turn out quite long so I'll say sorry now, here's the history: Before I met my OH he was in debt; 2 credit cards and 1 loan. Credit Card 1 Barclays: £950 Credit Card 2 Barclays: £4500 Loan Barclays: £2500 TOTAL: £7950 We have been together for 3 years now and the debt is really…
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DCA and how we can deal cca etc pls read and listen
Hiya all, came across this today click on below and there is an audio very interesting, may answer your full queries on stuff on debt collection industry http://www.youtube.com/watch?v=DnmZhaX3n94 i am enthralled and hope it clears a lot of stuff for everyone have started my own thread now with this as i feel it will…
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Please help with CCA letter received
hi there, Last week I wrote off to a dca requesting a copy of the CCA for a littlewoods catalogue debt. Today I've received a letter back, returning my £1 postal order, stating that they have returned the account to their client (phoenix recoveries). It also tells me to contact them directly. I'm not sure what to make of…
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childcare problems again
Hi all, you may remember i posted my story here a while ago about wether i should cancel my childcare cheque, well sorted that out and now need help again... the new nursery owners took over, they have started building work, got a phone call last night to say that nursery is shut today because of problems with the…
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my SOA
hi everyone, thanks for all your pm's wishing me well. its been a tough week after telling my wife about my gambling problems. but been going to gamblers anon , installed gamblock ion my computer, my wife has my credit cards and im going to self exclude myself from the local bookies. its been touch and go this wek whether…
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How do you pay off ccj,s?
I have 4 ccj,s against my name,they total £4800.My mum has offered to lend me £5000 to clear the ccj,s.However when I rang the courts today,they say they can,t help and I have to go back to creditors and see what they decide.I am ashamed to say I have no paperwork for my debt as I keep throwing it away.Yes I am stupid I am…
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advice please
payplan contacted me this morning about starting up a dmp as i left my details on their website, i worked out last night i owe about 17500 (worse than i thought!) these debts are in my name only, dh has got his own debts and a bike on finance, we share the household costs etc but pay our won debts the thing is we have 1…
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Go on - admit it! What completely NON-DFW thing have you done today???!!!
Just been to the coop for essentials such as loo roll as ran out and couldnt resist these deliciously looking posh cookies...just got home and made a brew and opened the pack and they are tiny!! Not at all like on the pack and most of the pack is filled with AIR! Serves me right for being so bad! Going to have to eat three…
