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Help! Massive Charges from High Court Enforcement Officer!
Bit of a long story this one, but I need some advice as I feel I have been totally ripped off. On January 26th I received a letter through my door from a company called Sherforce, it stated that I owed money to a company called Arrow Global which totaled £977.00 plus charges which took it to just over £1700 it stated that…
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Question of the week: Is it true unpaid debts get wiped after six years?
Q. Is it true unpaid debts get wiped after six years? A. Yes and no. It's very complex, and it's rare to have a debt completely wiped... here's a broad brush answer. What's commonly called the 'statute of limitations' means you can't be persued in court for civil issues six years after the event (five in Scotland). So for…
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COUNCIL TAX, Bailiff interview URGENT
Hi all, I was told by Council Tax Recovery yesterday (Mon 23rd) morning that they would not accept an offer I'd made to pay off council tax for a previous property. I offered £5 per month, the debt is £650 total. I am self-employed, earning very little money (a few hundred a month). They said they had rejected my offer and…
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ADVICE please - repossession or not
Hi I need some advice - here's the very long story..... My husband and I have managed to get ourselves into alot of debt. It has all come around by being stupid and over stretching ourselves. He is self employed and business is suffering. We are constantly chasing cheques and as soon as he gets paid from a job it's going…
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Trouble with Blair Oliver Scott
Hello All I have been reading these posts for many weeks and you were the inspiration OH and I needed two years ago when we entered a DMP. All was going smoothly until couple of weeks back. OH Sainsbury's credit card was passed to Blair Oliver Scott. We were told by Sainsbury's that we wouldn't have any problems and DCA…
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Unreasonable CCJ??
I feel the need to explain my situation. I was living with my partner in his house under his mortgage, I knew he had some debt but had no idea how much until after I'd fallen pregnant and he decided to tell me. The reason he decided to tell me was due to not only the fact we were having a child but that he could no longer…
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I ned help please council tax, equita & baliff
Hi This is my first post so hope i get it right. I got behind on my council tax payments and this was passed to Equita. I agreed a monthly payment to them to pay off the balance. In oversight i forgot to make february 09 payment at the 5th of the month. I received a letter from them on Saturday saying that bayliff had…
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Rossendales & Council Tax: "Recommendation for Commital to Prison". Nonsense?
I've spent a bit of time on Google looking for information about this but can't find anything about Rossendales themselves. I'm behind on some Council Tax and Rossendales have on course been on the case for a while. I've never entered into an agreement with them. Got a letter in the post today saying because I haven't…
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help on 0% balance transfer declined
PLease can anyone help give me some advice Due to circumstances not of my own doing I have found myself in a little bit of debt. My ex partner left me a year ago leaving me to pay the morgage and bills with a child yes he does pay half the morgage but I am left with everything else, Due to the housing market I do not want…
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Natwest Addresses
hi there Just a quick one I want to send a SAR letter to Natwest..Which address would be best? my branch? and for reclaiming PPI which address should it be? thanks
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Credit Rating Advice
In the past I was extremely silly and got myself into a lot of debt. Since then however I have paid of a number of debts but there are some which realistically I wont be able to pay off (unless the lotto comes in). As the situations stands at present (according to my experian records) I have the following: A credit rating…
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HSBC Reject Payplan Proposal
Hi, HSBC has just called to let me know that they are not willing to accept Payplans proposal:mad: They will only accept double what I can afford. Is this normal? Got loads of threats about court action etc. Wouldn't mind but up until a little while ago I was staff !! What do I do next? I have emailed payplan, no response…
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Advice on "Signed For" package...
My niece got suckered into one of those photographic deals to the tune of about £400. She is paying monthly and has currently made two payments. However, she only has the proofs and has never received the photographs. I went with her to the bank to cancel the DD but its not a DD its a guaranteed monthly debit card payment.…
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Arrangement to Pay
Does anyone know how much an Arrangement to Pay affects your credit score? If I could settle it would it improve dramatically? Thanks
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Me and My Debt
Hiya, My debt is quite small compared to some so I was sceptical about posting here, but its still enough to keep me awake at night. I graduated 2 years ago and still have a student overdraft of 1499.99. Its interest free up to 1500 so I keep it at that amount. My main current account is now constantly overdrawn too, I…
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Just wanted to say Thank youuu!
Just got a call from my loan company and they have accepted my reduced payment offer and are freezing all interest on the loan!!! Just wanted to say thanks to all the people who gave me advice on what to do, especialy RAS :D Wouldnt have had a clue what to do without you guys :D Hopefully i will be debt free in no time!!…
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Another OH with debts
Having been hovering in the background for several months, I have finally found the courage to post. Mine is probable not an unusual story. Last September, my OH announced that he was seriously in debt, he thought about 50k, and would I help him sort it out. My initial reaction was Yes but slowly I realised he wanted me to…
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What are you having in/on your pancakes?
Right up there for me has to be good ol' sugar and lemon, closely followed by nutella and banana. Anyone got any other faves?
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Where are you all - Chat for Tuesday
Where are you all...still snoozing or running around like a mad thing because you are late ?? DD woke up early this morning due to DH's stupid, insensitive and !!!!!! of a boss who phoned at 6:30 to say there was a power cut and wanted DH to sort out what he could do.....I replied "don't give a !!!!, get the man who is…
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Debt collectors new tactics BE WARNED
Kemerovo: Police in Siberia are on the lookout for a man who gave a moneylender his 18-month-old child as a guarantee for debt repayment. The police were called to the village of Yasnaya Polyana in the south of Russia’s Kemerovo region to check reports of an unidentified child who appeared in one of the families. They…
