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debt sold on?
Hi there, I have been trying to sort out my debt and was speaking to the 2 companies. I was requested to send in a breakdown of my income and expenses and I did this. However Barclaycard then decided that even although I did as asked to sell my debt to another company. They apparently sold it on 2 weeks ago even although I…
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OD - arrangement to pay?
Do you think my bank (nationwide) would allow an arrangement to pay off my OD? it's completely made up of charged when a DD was paid when it was meant to have been cancelled. Also I've just received a new report and one of my loans has disappeared and not the 'settled' one, should I contact the bank in question? it's still…
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New New Debt Person!
hia ok, here is my situ: I have a loan of 23k for 6 years... Am i right to be putting this to one side while I sort out my evil EGG card which is charging me £80 a month interest? plus the other cards i have ? erm, i think so ?! Although if anyone has any tips about loans and how to bring interest/payments down then please…
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NCO and Paypal
First of all I apologise for my bad English, I'm just not good at it. Secondly I have yet again recieved a letter from NCO for a paypal debt which was sent to an old address and a family member managed to acquire my letters and forward them to me. My family the first time found out after I was scared of telling them I had…
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Committal proceedings, bailiffs and over £16,000 debt!
Hi everyone I'm at a bit of a loss as where to start with sorting out my debt crisis. We have had bailiffs at the door and now being threatened with committal proceedings from the CSA bailiffs. We have about 21 seperate debts, all unsecured, but some are CouncilTax, Rent arrears, Tax Credits and also the Tax office. I have…
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Red/Lowell selling a disputed account to Mackenzie hall
As the title suggests! I disputed a Red/Lowell letter on 06/10/08 and have heard nothing from them since then had a letter at an old, old address stating that collection was imminent etc etc. Only difference was this one was from Mackenzie hall . I was under the impression that this was not allowed and made the debt void?…
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DMP and Credit Rating??
Hi everyone Not quite sure where to go right now. Had far too many sleepless nights worrying over the £36k unsecured dept we have! I have been looking into a free DMP but my husband is very concerned that this would affect our credit rating to such an extent that if/when we need to find somewhere new to live (our tenency…
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Advise for a friend desperately needed; relationship split and neg equity!
Hello All, Can I pick your knowledgeable brains about how best to advise my friend, who's in a difficult position? She ended a relationship last summer (8 year relationship, v. short marriage, in retrospect shouldn't have gone ahead) and she is in a new relationship with a guy who was a close friend of the couple. As you…
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Budget help please?
I need some advice please and what better place to ask? My OH job pays him each mth on a differing date. Can be anywhere between 15 & 20 of each mth. Coupled into this our CTC is paid 4 wkly as is the CB so the dates for these move also each mth. For some reason WFTC ( tiny amount) paid weekly. I'm finding it really hard…
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F and F offers - partial settlement?
Hi all, Could do with some advice please. I am in the process of trying to negotiate full and final settlements with my creditors (with varying degrees of success). One of them has agreed to accept 50% (and only after a lot of negotiation!) but they are saying that my credit record will be marked as partially settled, when…
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stick or twist?
Hi. I am in a bit of a dilemma. My fixed rate interest mortgage has expired with Northern Rock. Now, they don't want to keep me as a customer and keep reminding me to move my mortgage. I have had advice from a mortgage adviser and at present his best advice, based on my circumstances is a two year fixed repayment mortgage…
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5 year old debt- what happens if CCJ i issued?
hi- i wondered if anybody could help me on this, please. I have a debt which is approx 5 years old now- I haven't heard anything in over 2 years from them and I have not paid anything towards it since it defaulted in 2003 approx. The amount has grown to about £3000 now and I moved addresses and the letter went to my old…
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Useful info: how to survive debt collecting agencies/creditors and what to do
Greetings. Just thought I'd pass on this useful info, as I couldn't see it listed anywhere in the DWF zone. It's the stuff creditors/debt collection agencies really hate you knowing! (joke) But you are perfectly entitled to use it when things get tough to protect yourself from 'irregularities'. Firstly, here is the link to…
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Marriage and Debt Question.
Hi All, I am quite badly in debt, I have voluntarily given my house back to the mortgage co and moved in with my OH. My problem is, that we are planning to get married in May 2010, and have booked the venue, band etc.. all the main (expensive) things. These need paying for and i am currently putting a little money away…
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Friday 20/2/09 What small dfw things have you done today???
:D 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,…
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is this possible
Hi guys, sorry if this is in the wrong area but I'm sure one of you will be able to tell me soon enough. My wife and I are expecting our 2nd child together (my third) in october so we really need to save now for when her wages are reduced to smp in order to bring them back up to standard. Problem is we can't save very well…
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*Daily Chat Thread*20th Feb 09 Good luck to all
Especially Luc - lets hope things get moving in the right direction today. And Inkycat - who starts her new job today - hope it all goes well. I am off today and I am preparing for my weekend of running and then a day of pampering on Monday...... Ho hum see you all later peeps....... Sammy xx
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Bailiff threats
Hi, last week i had a bailiff at my house demanding full payment of a court fine. I don't have anyway of paying and the bailiff was not interested in letting me pay in installments. He was demanding £270 for a fine that was £40. I never let him in the house and he never asked to enter, he did say that he was going to get a…
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Vodafone Main Account Holder
I am the sole account holder with a Vodafone monthly contact mobile. I signed the original 18 month contract and have had a further two 18 month contracts with them (upgrades). I originally gave my wife the mobile as a Christmas present and authorized my wife to use the account to call Vodafone with any problems she might…
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need some credit card dept advice, just been made redundant, not sure what to do now?
Hi, im a 25 year old in quite a bit of dept. I lost my job a few weeks ago, and im not sure what to do with my credit card bills now, i owe about 8k., Ive moved back home with my parents for now, which is fine for a bit but i need to get this sorted. The Truth is ive had these credit cards for over 6 years now, since i was…
