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Help - Court Papers Recieved
Hi all Can anyone help me please? I've received some court papers in the post today from Incasso on behalf of RBS - they are our biggest creditor. They sent a letter dated 09.02.09 and saying they would issue within 7 days if they didn't recieve the amount outstanding (like I've got £31k stashed down the back of the…
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BCW & Aktiv Kapital
Hello, any help would be appreciated. This morning BCW (or someone claiming to be from BCW) rang me trying to claim that they were acting on behalf of Aktiv Capital requarding a debt. They asked me to confirm my details which I refused as I never heard from them, to which they replied that they had sent me numerous…
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I am in debt and need help fast!
For the last year my debt seems to be spiralling out of control and I am absolutely sick of living out of my overdraft and getting charged for going over it every month. I opened a bank account with Alliance & Leicester and transferred all direct debits going out and my wages going in from HSBC to A & L although I stupidly…
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Debt managment advice?!?!
Ok so thanks to RAS i contacted Debt help UK... They offered to put me on a debt managment plan, based on the fact my circumstances have changed since taking out the loan. They would freeze the intrest on the loan (which should be 26%) and take off any charges that they have put on the account. Current loan amout= £5714…
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CCA Request - £1.00 fee?
Hi all, firstly thanks for all your advice so far. I have decided to send a CCA request to one of my creditor/dca's I am using this template letter which I found in this forum. May I take this oppurtunity to thank the author of this letter. :T Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 I do not…
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Is the purpose of a CCA request to reduce your monthly repayments?
Say you send out your requests and receive no CCA within 12+2 days. Should you then send out a letter offering to make a token monthly payment? Such as £1/month for the next 12 months. Or am i day dreaming? I dont understand the purpose of asking for a CCA and not receiving one. Do you just ignore the debt forever? I owe…
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Student loans are threatening CCJ - help please
Purely as a product of my own stupidity I have ignored Student Loans for the last three years; filed their letters in the bin and generally buried my head in the sand. I did also have other debt issues (serveral defaults, one CCJ for a credit card) but dealt with it all two years ago, making full and final settlements and…
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A little cross but generally relieved!
Just wanted to share my thoughts on this board and how helpful it's been to me over the past few months, but also a little niggle that's, well, niggling at me! I had, for several years, been defaulting, missing payments, not paying bills etc, as I thought that I was invincible and above the law. Turns out I wasn't. I…
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We've Been Robbed
So here I am. 31 year old bloke trying my best, my very very best to reduce my debts whislt providing a good life for me and my family. And so far since my LBM (30/12/08) things are going good. I woke this morning, in a cheerie mood, looking forward tothe aproaching weekend and my more imminent No Spend Day (NSD) and the…
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Question about car insurance
I was just wondering.... i automatically renewed with my old insurance policy for my car at the end of jan, can i still shop around and the switch even though i have just renewed? i'm now pretty sure i could get it cheaper with all the tips i've picked up for here! i cant afford to pay in one lump so have a payment plan…
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Fredricksons Carphonewarehouse Need Help
Hi, i need some help.. last January i got a letter from Fredricksons saying i owed £185.50 for an o2 mobile from the carphonewarehouse i logged on to the website and set up a payment arrangement of £20 per month. this ended november 2008 where i was all payed up i logged onto the website to check the status of the plan and…
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Thursdy 19/2/09 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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My ex is bankrupt and joint mortgage
Hi I was wondering if you could shed any light on my situation? I have a joint mortgage with my EX GF, she no longer lives in the house and i pay the whole mortgage. Last month she was declared Bankrupt! I cannot seem to get any answers from the OR regarding the house, the house is currently in negative equity. What will…
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***DAILY CHAT Thursday 19th February***
Morning everyone :) I haven't been to bed yet, Natasha has been ill all night and I was scared of her choking, so I've just sat and watched her. She can't even keep fluids down, need to ring the doctors as soon as they open - just hope she doesn't end up badly dehydrated. :( Hope everyone is okay today - hugs to those that…
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How low would you go?
I had an interesting phone call today from my credit card asking me to make them a final offer on a balance of £12,000. I haven't got much money and I am only paying a £1 a month at the moment, but wondered how much they would be willing to write off. They seemed a bit desparate. The most I could realistically scrap…
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warrant of execution
Not sure if i'm posting this on the right board but desperate for advice.... My friend received a warrant of Ex today demanding £77 with an outstanding balance of £177 , the claimant is phoenix recoveries , my friend has never heard of them or had any correspondence off them the letter says she has failed to make a payment…
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22 years old and in £17,000 debt.
I am in deep sh**. A 22 year old student in £17,000 of debts, and to make things worse this is excluding my student loans. I need serious help and I don't know where to start. I feel suicidal only I'm not that selfish. Please help me. Please. Is bankruptcy an option?
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Credit Cards - Miss payments
Over the last few years my debts have got out of hand :-( I put my house on the market just before the credit crunch in the hope of making enough profit to clear the majority of my debts. Unfortunately while seeing few potential buyers and dropping 20K of the price i have been using up cards to pay minimum payments on…
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Help Please With Default!!!
Hi all, i new here so wondering if you can help me out. I am at present in negotiations with my creditors for reduced payments. Most have been ok, but when i sent my SOA to Tesco creditcard they sent me straight back a default notice saying my account was 54.00 over limit and stated 17 days to rectify and 21 days for…
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So scared and don't know what to do
Hi :wave: I have been on here for a few months and have had a couple of lightbulb moments. Two pretend ones and one really bad one which involved a complete breakdown (ran out of tissues then!!) We have know moved back into my parents in an effort to save money and pay off debts sooner. Basically the two problem debts are:…
