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Letter from Capital 1 Sent to my Mum
I left the UK last year to pursue a job in Thailand and left all my credit commitments behind, with the intention of paying them off from Thailand. I managed to keep up payments until the start of this year when the company I was working for went BUST. I have since been living abroad looking for more work etc, but have not…
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HFC Loan - help and advice needed
On a DMP with PayPlan and HFC accepted reduced payments for nearly 12 months. I recived a letter saying they can only accept plan for another 3 months. After that they will take strict legal action. As anyone had such a letter? or experience of HFC with this? What are they likely to do? Has anyone ever offered HFC a full…
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bancrupcy and bank account
hi i am in a no win situation and my only option is bankcrupcy. my question is i have a bank account that i have never used, and dont owe that bank any money, with no overdraft facility. i am not declaring this account to the official reciever, im sure i shouldnt be doing this. can he find out about this bank account? does…
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Trying to make a comeback - but struggling
Hi Everyone It's AGES (I would say at least a year) since I was here last -and I miss everyone. When I last wrote I had a few thousand pounds worth of debt (which worried me a lot), credit cards and a student loan. I was in a job I loved really, but didn;t get on with my boss, which made it miserable and I had a less that…
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My mate
Two weeks ago my friends were relying on food parcels to feed their 3 kids. They had no access to any cash or credit due to non payment on their cards and being over overdraft limit. They have been in trouble for years, mortgage arrears, utility bills, council tax etc etc. My friend asked to borrow £20 to get petrol. I had…
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3 mobile - regal credit problem, help pls...
Hi, first of all, hello - im new here. Heres my issue.... I had a contract with 3 mobile which ended over 12 months ago & the other day i had a letter come in the post from regal credit (a debt collecting agency) stating that i owed them £35 from my 3 mobile contract. In the letter it stated 'despite previous written…
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Rockwell DCA
Hello, Once again, I'm turning to you guys for advice. Any thoughts on this would be greatly appreciated. In early 2006, my partner was contacted by Rockwell DCA regarding an old debt of around £4,200. He agreed to start to make payments of £25 per month. Since then, with my help as he only has sporadic temporary work, we…
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CCA - bank says debt has not been assigned
OK my 1st post, about time I joined up too! Hope I can get some clarity on my current situation. I had an account with Natwest that I hadn't used in a while and as I needed the funds I dipped into my £1600 overdraft by about £1000 or so. A few letters and months later I got a letter from Triton Credit Services saying that…
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Advice please - paying someone's debts
Hi guys - a little advice please. I've recently caught the MSE bug and am now assisting my friend who has been an ostrich for some months. Moorcroft debt company have requested £50 within 5 days or else they will start legal proceedings. I have offered to pay this for her by writing a cheque tomorrow (will borrow from my…
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Trying to understand what I know I owe and what they say..
Hi all. I'm hoping some one can help. I bought a car from car craft a few years ago, I took in my old car and wanted to trade up. I got a decent deal on a new car including a trade in for my old car paying off what was left on it. I had a load of issuse with car craft as the car I was given turned out to be faulty and had…
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Should I pay it all off?
Hi everyone In a nutshell I'm 21 living at home with the folks. I really want to move out and am waiting for the right time to buy with OH. I'm wanting to save 5k for half the deposit asap so I'm ready to pounce on my dream home!!:D At the moment I have got a credit card at 0% with Barclays till November 2009. I'm not…
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Capquest chasing debt, help with CCA?
Hi, I really need some advice!! Have received a "creditors notice" from Capquest who have been sold a debt in my name from British Gas. Then today I received a letter from another arm of Capquest "HL Legal" threatening court action. After searching google and these forums I am not willing to contact this firm for fear of…
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02 - Buchanan Clark and Wells letters
Hi, Today I received through the post a 'FINAL NOTICE' for a debt with 02. Considering I've not received anything from these guys EVER before I'm totally confused! =/ The letter says I owe £25.17. I had an 02 phone which I cancelled at the end of the contract 2 years ago. I phoned up and they told me to send an email just…
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Bailiffs COMPLAINT
I had a terrible ordeal last Friday with Bailiffs and would like to complain to a higher level. I have written to the company direct And the debt company concerned However they treated me really badly and this sort of behaviour shouldn't be allowed to go on. If it had been an elder person they may have become ill and I…
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Advice on partial versus full and final settlements
Hi Would welcome some general views. I have been saving up quite a bit to pay off some debts and doing some extra work here and there, and want to pay off some credit cards and small loans. Recently I was in touch with a) Halifax' division of Blair, Oliver and Scott; and b) Cabot, to whom I owe £3,200 and £3,327…
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dont know where to turn
Hello i have been looking around this site and trying to sort out what to do. My finances are is a mess. Mostley due to my bad management. Other issues too. Like bumped someones car last week and i have no car insuarance :eek: :eek: :eek: very wrong of me i know, and I have not admitted this to other party yet. A…
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Being Chased for an old Wanadoo/Orange debt
I am being chased for a three year old debt from a internet service provider (Orange). I do not think I owe this money, I asked for an invoice which is supposed to have been sent but I have not received it. The debt chasing agency will not ask for another copy to be sent, Orange will not speak to me and the agency will not…
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Minimum Repayments on Credit Cards
Hi, I have 3 cards from the following; MBNA owe 2500 Morgan Stanley owe 10000 Egg owe 5000 I was managing the payments okay until i lost my job. I now have a job but earn 10k a year less. I used the letter templates on this site to make reduced payment offers. MBNA accepted £30, MS accepted £50 and Egg(amazingly!) accepted…
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How much is ok??
Hi im new here. Finally decided that its time we sort out our debt problem. Im filling out our expenditure form at the moment and have come to the food cleaning etc part. And what i was wondering is how much is ok monthly for 2 adults and 2 children as we havent really taken notice before now. I will be greatful for any…
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Direct Debits - Can someone help?
I have recently started a DMP with Payplan. I thought I was going to add my Quickquid payday loan to my DMP so I cancelled the direct debit to them. My payment to Quickquid obviously did not go out last month as a result and I paid a finance charge of £40 to keep them at bay and not harassing me whilst the DMP was set up.…
