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To DMP or not to DMP
Hi folks, totally new to all this so please bear with me. I have managed to get myself into a lot of debt with payday loan companies :mad:. I owe 6 different companies around £1700 in total. I have been trying to service these debts for the past 8 months (by rolling over the loan and just paying the interest ), but i can't…
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Help..I Want To Be A Debt Free Wannabe
Hello Everyone, I am sooooo nervous to send this post; this (talking about IT) together with my visit to the CAB is a major breakthrough for me... I have recently taken my head out of the sand, for where it was deeply rooted it for the past 8 years!!! I have no life, just debts and bills. The fact is I owe over £55k in…
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My Interest Overload
Hi, New to this forum. Have heard excellent things about the site forum and the really great people on here. I have a decent job but have an overloaded spread of Credit Cards and Bank Overdrafts accrued over the years, with some high interest rates. Could anyone advise possible alternatives to reduce the interest rates,…
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CCA Advice
Hi all, I have an outstanding debt from Barclay's from almost 6 years ago, defaulted a few years back and it now sits with Robinson Way. I requested a CCA back in Nov, they replied to tell me they are on to it, I then got a further letter to say they where still looking for it. Back in Jan I sent a copy of this letter;…
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what should i do ??
I am on a DMP with CCCS one of my creditors is MBNA and i must say they have been great with my plan from day one they froze intererst and charges straightaway and they were the only ones that i have never heard from until this week . They want me to set a DD with them for an extra £5 per month if i dont they will sell my…
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Response Credit Management / Mackenzie Hall
Hi, Having looked at a lot of the threads in these forums I'm guessing this may be a familiar story to a lot of you. However none that I could see answered my specific problem so I thought I'd post a new thread in the hope that someone can offer me some advice! I got home from work today to find two letters (addressed to…
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Another CC or not
Dear DFWs, I posted this on the credit card forum earlier but I think my signature made me look at a bit scary :confused: (it scares me), so I thought I'd come to my spiritual home to see what you guys think. As you can see from my signature we are working very hard to clear our debt, and we try to transfer to 0% deals…
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Final Notice
Hello, please can you help? Boyfriend rec'd letter today in our new home (first mortgage) from Buchanan Clark & Wells. Letter states: We refer to previous correspodence regarding our client Aktiv Kapital UK Limited and regret to note that your debt in the sum of £323 remains outstanding. Since you have failed to notify us…
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Creditors Notice
Hi everyone, Can someone explain to me what a creditors notice is please? Thanks ollie
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A cautionary tale re: SRJ Debt Recoveries
Some months ago I received a letter from S.R.J Debt Recoveries in relation to an outstanding debt of £51.36 owed to Eon. The debt was for an electricity bill for an address I have not owned, lived in or had any connection to. What is more I have never had an account with Eon. However the letter was addressed to me at my…
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CCCS sent me somebody elses budget!
CCCS were sending me a copy of my budget to revise, I opened the letter today and was reading the figures and thought, these are all wrong, what's going on :confused: I then looked at the name and it was for somebody else :eek: So I have somebody's full name, CCCS reference number and all details of their incomings and…
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Where is my debt now?? Rabble rabble
Hi Guys, Weird one, but bare with me... When I was 18 I started getting into some debt and built up the following portfolio!! HSBC Loan & C Card - £5490 Egg Loan (to pay off previous C Card) - £4440 Lloyds Overdraft - £900.00 Now I stuplidly ignored these debts for years after I wrote to them all telling them I couldnt…
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I've been burying my head in the sand ......
Hi Everyone, I'm a newbee debt free wannabe. Confession is always a good start, so here goes..... As of today my debts are bordering on £20k and that doesn't even include my mortgage.:eek: I'm wondering how I got here, but sadly I can't blame it on the credit crunch, economy or otherwise. Today I'm admitting it's been my…
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Me, My Dept and my business
Hello! I just felt I needed to tell people my story and get some advice, so anyway here goes: About 3 years ago I was 21, working in a kitchen in a place quite close to where I live and I was the bass player in a band who were touring all over the place every few months. One day my amplifier broke and I needed a new one,…
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Desperate to be debt free
Hi, I have been lurking on this board for months but admit that I am completely lost. I want/need to be debt free, we are paying way too much on interest on credit cards and store cards but dont have a good credit history to change them at the moment. We also have a loan to pay and a loan to a family member to pay off. I…
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Debt Free In 12 Months?...want To Be Debt Free At 25!
I have set myself a challenge to become debt free by the end of this year....I currently now have just my loan left after having debts of £26k. I have just taken out a Tesco Credit Card 0% Purchases for 12 Months (Card arrived today - £4.6k Limit) I'm 24 earning £35k (includes £3k overtime) and live at home...so after all…
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Question re cleaning up credit rating
Hi all I am working on getting my credit rating clean and i have a few questions you guys might be able to help with.... 1) I've just checked a credit report from credit expert and there are two old CCJ's on there. I'm assuming they relate to a bank debt i had a few years back (when i was lacking in the wisdom i have now!)…
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Please Help - Running out of time!
Hello I am a newbie here, and I need some advice asap. PLEASE. I have tried getting help from citz adviice but when I have been there the door is locked and they are only seeing 9 people a day?! The debt lines are always busy and I need some advice as everyone I have managed to speak to advises diferent things. I am…
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Debt Problems self employed
Hi I am new to this site, so please excuse me, Both myself and my husband are self employed, I work on commission only and my husband is in the building trade. We are earning nothing at present and my husband has not worked since early December, We have both been applying for jobs but no luck at the moment. We are not in…
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CALL CREDIT - urgent help
I need to cancel this subscription. I falsely believed i was entering into a free trial which i was then charged £12 for which left me fing fuming but now i need to cancel. Sent them a message - IGNORED. Sent another one today but no phone no's only a sheet to sent a message to them HELP - I NEED TO CANCEL ASAP
