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Does checking your equifax credit report count as credit searches?
I did the free equifax trial a last month and at the same time had problems with my credit card companies not being able to follow simple requests :rolleyes: Now while i had the equifax trial i checked my credit file 3 times to see if they had updated it and also to make sure they hadnt penalised me for their errors (which…
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Advice please- I'm really worried
Hi all, My ex boyfriend got me into debt a couple years back. It was the first time anything like this had ever happened to me. I was only 19- no excuse i no! Fast forward to now (im 21 now). I had a letter from 1st Credit about my outstanding balance with Lloyds of around £2200. I have only recently been made aware of the…
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WARNING- Debt recovery scam- Centrethorn / NKS Credit Solutions
Please be aware that this company has been chasing debts that do not exist. My girlfriend received a letter from this company demanding 199.94 on behalf of Southern Water. It relates to an address my gf lived at 4/5 years ago. NKS had no details other than a 'vacated property' date of Dec 04. They could not provide the…
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Advice on Full and Finals Please
I'm on a DMP with CCCS. I have 4 large creditors and 5 small ones. I have a bit of extra cash at the minute so was hoping to wipe off a couple of the small ones. So far though I'm banging my head against a wall. These are the 2 I have tried. Creditor: Robinson Way (Studio Cards) Amount Owing: £97 Their Figure: £77 I…
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Help with Credit Report?
Hey Guys, I posted around a week ago regarding my credit report. I had 2 errors on it, one being a bill to Vodafone which was paid but was still showing as not paid, and the other for my monthly ornage account saying that I was behind on payments. I wrote to credit-expert and they added a note to my file. The vodafone…
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new address influx of debt collectors contacting me
i moved address in may and this week i have recieved letters from 3 debt collection agencies saying i owe them money one is statue barred so sent sb letter 2nd one is for a utility company that i have no recollection of owing any money too 3rd is off connaught collections for a barclay card account why have they suddenly…
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Intrum Justitia Overpayment
Yesterday I received a letter from Intrum Justitia stating that, after a review, they identified that there was an overpayment on an account and that the 'client' wishes to refund the money directly to me. It states to either ring an 0870 number or complete a slip at the bottom of the letter and return to them. I'm always…
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Pap / Moozie's What have / will you spend Friday 19th September
Goooooooooooood Morning:D Just done the food shopping from Mr T but that is budgetted for keep it low and have a great day:D
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this made me smile the other week
when we moved we lost my payment card for some money we owed to help get the car it was around £500 so they sent me a new one but it was over £900 they put on so called them up they said they would look into it and i got a letter saying how sorry they are and give me a new card saying it was £150 nice one. they told me in…
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Friday 19/09/08 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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daily chat 19th Sept
Morning folks not a good day for me today....it is my Uncles funeral.:o I will be hiding up the back of the Church,cos funerals really get to me. My cousin said i have not to sit anywhere near cos i am so bad:cool: Especially because one of my Uncles favourite song was…
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Im New and have 2day realised ive been sucked in by Churchwood
Hi everyone, Can i firstly say thank you to everyone on here :A for helping wake me up to the fact that churchwood have been ripping off! i was contacted by churchwood in 2005 when due to a serious amount of bank charges leading to one failed direct debit after another i got into a situation where i just couldnt cope with…
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Lowell portfolio help
Hi i'm new here but have just recieved a letter from lowell finanical. its for an old debt, which lowell portfollio brought bur is using lowell financial as the debt collector, i,m sending a cca s78, but who do i send a record delivery to to lowell portfolio 1 or lowell financial lowell financial uses a PO BOX which will…
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loan to cover overdraft - logical?
well my oh has applied for a loan to cover my overdraft! i will be paying it but it will be in his name! i know getting loans to pay of debt is generally bad but in my case i think it will be better! i am currently paying my 6000 overdraft 100 a month! and gettin charged 85 - 90 a month in interest! so he has applied for a…
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Need to focus
Ok I have been on here for a couple of weeks now and have picked up some great tips..piggy clicks, quidco (although still sussing that one) and seeing some great advice but.... My focus keeps going:mad: I need to concentrate on clearing my debts and managing on my monthly income! Every month something seems to crop up and…
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dmp (cccs) query
they are asking for addresses and telephone nos of the creditors. is this the information that i will find on the statements or is it something else i am meant to be putting down just in the middle of doing up the list for them so wanted to make sure i am not doing a wasted effort!
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Full & Final Settlement Letter to Who?
I currently have a default against me from Barclays Bank. But this has been passed to C.S.L Collection agency. I want to send a full and final settlement letter but I'm not sure who to send it to. I am currently paying £5 a month to CSL, but I want to make sure that the default says satisfied in full if they accept my…
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Court Fine and Bailiff!!!
Does anyone know if a court fine has been passed to Marston DCA, can you speak to the original court about it or only to Marstons??? Im struggling to get any sense from them and dont know who i can turn to before a bailiff turns up next week!!! It was a motoring offence in cheshire div 1 North court! Thanks xx
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PPI Reclaim part 2!!!
If anyone saw my last post (i cant find it to add to!) i was asking advice about reclaiming PPI, This is the story: Mother in law has loan with PPI, asked to cancel it and was told she would get a £55 rebate for the remaining 2 years, she was paying around £38 per month ppi, when i was there she rang up and questioned it,…
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debt free i wish
i have a mortgage for 147,000 i am behind with my payments and have agreed with a court order to pay an extra £100 on top of my mortgage payment (total £1100.00) i ahve a secured loan for £60,000 from first plus which i also am behind with but with a court order have agreed to pay an extra £150.00 per month(total £950.00)…
