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Wescot Credit Services
Has anyone heard of them?? We have twice now got a postcard through the door saying to contact them! The weird part however is that they put 'to the occupier' so obviously don't know our names! This seems very dodgy to me so I don't intend to contact them coz I don't think it's got anything to do with our debt or they'd…
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Made an official complaint - what next?
I went into my bank branch of Halifax to make an official complaint about the tactics of a company called Retail Bank Collections, who are the debt collectors for the Halifax apparently? Anyway..they are totally horrendous & a law unto themselves :mad: I have gone through Halifax customer relations to make the official…
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little celebration today
I havent posted on DFW boards for AAAAAAAAGEEEEAS but I just wanted to share that I paid the final balance to one of my debtors today:money: it was a smallish one for about £450 and I've been paying it £40 a month and today was the last payment so I am very happy! Still got a long way to go though! Keep up the good work…
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Desperate in debt :( ...and pregnant
I need help... At present I live with my partner, we are expecting (due the beginning of June) and we've just had a summons for not paying our council tax - we owe about £600. There is no way we can afford to pay it and it's just another block on the jenga stack that is our money situation at the moment, any day it's going…
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Friday 27/2/09 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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*Daily Chat thread*27th Feb - ~WELCOME NATHAN JAMES~
That baby is taking some time to come out......:confused: Right I have an epic weekend coming up so I am off to sort me bag out and stuff..... See you all in a bit..
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Lowell Debt Collections / Red
my partner had a mobile phone yearrrrs back went into dispute with tmobile over the bill heard nothing for a while then red -lowell contacted him threatening court action if the debt isnt repayed my partner has been paying lowell for a while now and i believe he has paid most of the debt off about £600 and there is a bout…
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Opinions please people!
Hi guys I'm a long time reader but with only a couple of posts under my belt, so i thought i'd say hi and ask for some people's opinions. I am trying hard to pay off around 15k of debt and have read loads of posts on here with great enthusiam. This really is a moneysaving haven! Anyway - my question is in regards to weekly…
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Any one else not able to sleep and is bored of the i player?
hey so im not able to sleep and there is nothing on the i player as ive watched everything that remotley intrests me and quite a few that dont, anyone else out ther? i remain optomistic:j
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Advice needed please?
Hi everyone I have finally decided to look into alternate methods in dealing with our debt. Right now I dont have the full figure that we owe but its just under £30k. I am married and our daughter is 16 months old. I am currently unemployed. I am a registred childminder and desperately trying to earn but been terribly slow…
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Strange Credit Report from Experian.
Hi, I've applied for 3 loans in the past 6 months all refused. Fair enough. I have a credit card HSBC. Anyway my report from experian only displays "linked addresses" and no other information about previous searches, my credit card agreement or another agreement I have with HFC. When I applied for the aforementioned loans…
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Debt Arrangement Scheme (DAS)
Looking for a bit of info as to what peoples experiences of them are and whether it is the best option for me. A quick run down of my situation is that me and my partner have £55k of debt on top of our mortgage, we have around £460 per month spare to pay creditors after completing a budget planner although this will…
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Negotiating a settlement!!
Hi there First can I say a very big thank you for the fantastic way you all support each other. For two years I have lurked and because we have been managing the excessive debts run up renovating our dream cottage I have just watched and taken it all in. We are still coping and were expecting a good year. I am expecting a…
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new member advice needed
hi i am currently in talks with the cccs abought setting up a dmp/iva and i am looking for advice re my soe the only thing i have not added is cigarettes 66 pounds a month.any help would be welcomed. re using my soe how much would i be expected to pay a month on a dmp/iva. also how much is the maximum they are likely to…
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ccj
having spoken to cccs i have been advised that i have a monthly shortfall of approx £800 pm. i have been told to make token payments of £1 to the 3 cc companies. if they apply for a ccj can i be forced to sell the house as i have no spare money to make any payments to them?
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CCA Letter fron Next Directory
Hi I have sent the CCA letter to next directory and got a reply today the last day they had, I am a bit unsure of the reply as they have not sent me a signed copy of my agreement but they state they do not have to. They have just sent me a photo copy of terms dated 31/01/1995 I have posted the letter below. Can anybody…
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CCA Reply letter from Next Directory
Hi I have sent the CCA letter to next directory and got a reply today the last day they had, I am a bit unsure of the reply as they have not sent me a signed copy of my agreement but they state they do not have to. They have just sent me a photo copy of terms dated 31/01/1995 I have posted the letter below. Can anybody…
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CCA Request - what to do next with Barclaycard
Hiya, I am new to the forum, I have been lurking for a few weeks, but now have a question to ask, so if anyone can help, that would be much appreciated!!! I recently sent off CCA requests based on a template letter (which I think I got from another website linked to from this forum) with the following text: "With reference…
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Help....my money stretch is gone in a flash
Hello, It's my first post and when I've faced up to my debt mare..... A little background: between my partner and I we owe over 34K in unsecured debt (loans, credit cards, store cards etc). My partner earns 27K (1600 p/m) whilst my income is now zero thanks to the contribution based JSA coming to an end. Essentially we've…
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Please help: Clueless about CCAs and SARs
Hi, I'm really sorry if situations similar to this have been posted before but after spending a couple of hours searching the forum I couldn't find anything that really helped me out - everyone seems to be a bit further down the line than me. Having not managed my finances appropriately after graduating I entered into a…
