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Advice on process of debt notification?
Hi folks, first post. Nice to be here. Some great information. Right, I've had a letter from the infamous Bristow & Sutor debt collection agency, alleging that I owe £68 to Manchester City Council. I have received no correspondance or notification of this from MCC whatsoever, and this debt collection letter that demands I…
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Debt Collection Agency Bound?
Guys, these three debts... 1. Cooperative Bank £12,811 2. Barclays Bank £12,700 3. Cahoot £7,057 I have been paying these people £7-8 a month without any hassle, threatening letter not even phone calls. I was just curious whether anyone thinks these debts will be sold off soon to DCA's? I have been paying them this low…
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If I agree a County Court Claim is a CCJ guaranteed?
Quick question please if you dont mind, I'm reading thru lots of threads trying to get some advice about a Claim form that I've been sent from Northampton County Court regarding a debt I owe to Tesco Personal Finance, or rather their collectors Incasso LLP now. I accept that I owe the money but would like them to agree to…
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Lloyds Offered Partial Settlement
Hello! I was wondering if anyone would be able to give me some advice on this as you all seem to have more of a grasp on this than me... I have a debt of £1593 with Lloyds and their collections people BLS have offered me a discount of 50% and have stated that they will accept £796.55 in partial settlement but that it will…
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Advice needed
Hello everybody I will try an keep this short Trying my hardest to get out of debt Have just left the DWP in July....they messed up my final salary and as a result a loan I was repaying at £25 a month was cancelled and debt recovery action was commenced....they now want the full amount (6k) I have tried to get the DWP to…
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is it a waste of time
i wrote letters to people i owed money too months ago asking to if i could pay back so much a month and stupid as it is i never kept up with what i said i would do nd since then i had letters saying they wanted all there money as never paid i really can't believe how stupid i was. the thing is i want to write letters to…
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Credit File Clean Up
Hi Everyone I received my credit file from Experian. Can i have some advise on this please? Says i have 25 financial associations on the electral roll Account info: I have 13 open accounts. 1 has 6 x status 6 on it but will be consolodated on the 30th into a new loan, which i guess will show this up as settled? 2 have 3…
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Need some help, Credit report and F&F
Hi there, Not posted on this forum before, but have been an avid reader for a long time and have learned so much. I have finally plucked up the courage to check my credit reports. Bit of background: I moved about two years ago, not left a forwarding address and have not been in contact with any of my creditors since then…
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N244 how sucessful are they?? ccj dvla
hey guys i want to try to remove a ccj via a N244 where would i get one from and how sucessful are they?? if anyone has had a ccj removed this way can you post what evidence you supplied if any also any successes or failed attempts thanks in advance:o
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Charging order objection letter help pls
I'm looking for some help with the objection letter to the court in relation to a creditor's application for a charging order. We've accepted that the court is most likely to grant the order, but we've still been advised to send the letter. I'm just not sure about the wording. These are the issues: 1. The creditor didn't…
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DCA. Lowells, and maybe CCA request?
OK take 2 seens as my computer seems to be dying... i have just received a nasty letter from Lowells saying that i owe 3 £50.27. i am assuming that this was from my last bill 3 or 4 years ago... i was young, and honestly though it was settled. i contested the price of my last bill as it was for nearly £300. (well over the…
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Help Please - Debt Under £1000
Hi, This is my first post - so hoping it will be okay! I am certainly in a fortunate situation in that i live at home with my parents and so my outgoings are relatively low. However I seem to of got myself into about £700 of debt, £300 on a credit card (16.9% interest) and then the rest is in an interest free graduate…
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October - The NSD Challenge
Yes its only a few days away until October and the NSD challenge is back! Wanttobeasaver ran the July one and started this great idea and Angeldiva ran the August challenge whilst i managed the September challenge and am more than happy to run this one too :) We have had over 100 members join the September challenge and 12…
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Needing some positivity
Hi I am new to the board! My OH and me have a combined debt of just under £30,000. I have reached that stage that I guess you could call the lightbulb moment - realised debt a bit out of control, annoyed with self for getting into this mess,( my OH has nothing to do with the finances so feel like i have let him down a bit…
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Not happy with debt management pls help?!
Im currently on a dmp which I have been for just under a year , im very unhappy with the company after they have made several mistakes and im finding it hard to get feedback from them showing what they have paid to who. But ive also just had a promotion and now earning a good amount of money i would like to know if its…
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Sent offer to Barclaycard
Hi guys, me again :p Thought I would send out a test pilot F+F today, using Barclaycard as my guinea pig :D I have been paying them £5 a month for the past 15 months and owe them £290, I have sent a offer of £85 to pay them off now with help of a family member of course... Do you think they will accept? I have told them…
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Saturday 27/09/08 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 Thread 27th Sep 08**
**Daily Chat Thread 27th Sep 08** Hi everyone, sorry Sam 115, i do not want to hijack threads by regulars. I seem to lurk. I am trying to sell stuff and have hit a brick wall with Amazon. Posted a thread on there, hope they will be able to help out. My hat is off to anyone who does the flylady challenge, it wears me out…
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I am losing my bottle
I have contacted cccs and ndl about my debt, and the fact that I got my credit cards by telling them that I was working when I was not. I owe about 45k on 8 cards and 2 loans. They have told me that the card companys may not delve to deeply, but I am very afraid of going to jail because of this, and no one knows what is…
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Can't sleep..
In April 2007 my boyfriend and I were both made redundant from reasonably well paid jobs. Our redundancy money kept us going for a while, and I got a new job 2 months later, but my boyfriend was out of work until February 2008 and even now is still temping on minimum wage. I was working three jobs to support us but I had a…
