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AccuRead
Hi all, had a calling card of this company today saying they need urgent access to inspect my meter I'm a little suspicious as it is a pre-pay meter through EDF. National Grid came out last week to reset the meter as it was taking a prev tennants debt and Im with a housing association so I can't see why they would send a…
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Scottish DAS or trust deed?
Help - I don't know which way to go and im need of help! I have an income of 30k. I have an unsecured loan(northern rock) of about 23k and credit debt of around 9K between the bank and a credit company. My home is in negative equity at the moment. Has anyone been through either of the above processes and which way would…
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Courtesy Car admin fee?
Hi Can someone help please??? I recently had a courtesy car (through my insurance company) for a number of months and received a parking ticket in December 2008. The company sent me a bill for £25 admin fee. I advised them that neither my husband or myself had received a ticket so I had contacted the police for more…
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Another noob comes onboard...
Hi all! I've been busy lurking on here for a while, and finally got the finger out and properly registered. :rolleyes: Bit of background first.... Its dead simple to be honest, I was simply living beyond my means and just hammered the credit cards. Then (before reading the excellent advice on here) I did the dreaded…
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Snowball calculator usability question
I am working on a Snowball calculator that is integrated with the SOA Calculator on MSOC. I'd appreciate some responses to a usability question. The new calculator will allow you to work out a snowball plan for your unsecured and, optionally, your secured & HP debts. It will also take into account introductory offers on…
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help please re marlin hfc bank
Hi, I posted on here about 6 months ago for help with a credit card debt of £4500 to hfc bank which has been passed to marlin. I am now due in oldham court next friday(20/02/09), i put in a long winded defence which i obtained of this site with the main arguement being that despite several requests (with payment sent) i…
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Can anyone offer any suggestions?
Hi, I am in the process of amicably splitting from my partner and moving into a house on my own. All my expenses will thus multiply and I’m not sure what to do about the following. It will cost £1225 to move into the new house, 550 rent, 550 deposit and 125 agency feesIncome pm after tax, pension, student loan repayment,…
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is this right
If i can not keep up the payments on my (one of them capital one i have had to stop as the payment was crippling me no pun intended) 4 credit cards then it eventually goes to a ccj where the judge says how much we have to pay each month, i am disabled through a accident at work and can not return to a working life,and for…
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Credit File - Default Settlement
Hi I currently have a default with Egg which is due to drop off in a couple of years. It is currently with the DCA "Credit Solutions Ltd". I am quite happily paying CSL money every month on the balance that they say I owe. I will have this paid off by the end of the year. However, there is a difference between the amount…
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Action Today Group
Has anyone heard of the above group? They reckon they can cut down my repayments drastically. I would like to know if this is a legitimate company. Theresa
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credit company chasing debt i dont owe - fraud?
I received a ketter from Aktiv Kapital chasing payment of a debt that i have no recollection of. They say that they bought it from another debt company. I responded by asking them to send a signed copy of the agreement and balance to which I have received another letter asking me to call them. I did call them and am now…
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Relapse - Advice Needed
Hello! I used to frequent these boards some time ago, but haven't logged on for ages. Just posting as I need some advice on my current financial situation. I am thinking of getting a loan to pay off my 2 credit cards, thus consolidating the debt and reducing the interest paid. My current situation is as follows: Salary -…
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Advice on credit card debt please
Hi i'm a newbie looking for a bit of advice. Myself and my husband have a some credit card debts and overdrafts which we are struggling to repay. With regards to the credit cards I have contacted the companies individually and they have stopped the interest on the cards and agreed that we can repay a lower amount and they…
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Phoenix recoveries
Hi Everyone, I'm considering seeking damages from phoenix recoveries as they have recorded a ficticious credit agreement on my file with a default status while the account is in dispute having also failed to provide a CCA (or any proof at all) I just wondered what my legal position was and if anybody knew of a good…
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DMP and Credit Rating
Hi, If I have just initiated a DMP with my creditors and 'hyerthetically' I clear this Debt in lets say 3 years does my Credit Score still reflect this for the subsequent 3 years (I have heard the Credit Rating damaged for 6 years) or does the Credit Rating start to 'Heal' once the DMP is paid off?. How long after does the…
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Please help with credit card charges
I had a capital one credit card which I defaulted on and have since paid off the balance to a debt collection company. The thing is most of what I paid was charges on the account for late payments and going over my limit (because of these charges :rolleyes:). Also I paid a deposit of £200 for a limit of £200 (yes my rating…
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CCA returned with no signature
Hi I finally received my CCA from hosehold bank yesterday. The signature box is empty. Can anybody advise the next step (if there is one). Regards Chunkey
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Alliance and leicester help please
I had 2 current accounts with A&L one for bills and the other for spending money which worked out fine until I was on maternity leave and my income was split by more than half. I was getting charged for under funding and unpaid DD then for being in my overdraft, it got to the point where I had no money for food or nappies…
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making sense of finances so that I stop buying stuff!! SOA
Okay, so here goes my full and frank confession, may you forgive my sins :o Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Bankrupt or Court
hello, i recently got some advice about my depts thanks for the replys. i cant continue to make all my payments with the interest added by one of my creditors (tsb). i dont really want to go bankrupt unless i have to but can anyone tell me if i stop paying them and they take me to court if the interest will then be frozen…
