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Debit card panic
I am about to embark on a self-managed DMP and have had a basic bank account, unlinked to my creditors, set up in anticipation of this. However, over the past few months (while plucking up the courage to go down this route) I have used my new debit card to make payments. Have I made a big mistake? Does this mean that my…
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is this debt Statute Barred??
i recieved a dodgy looking card from Feredickson International Ltd stating they were going to take me to court for an account that was seriously in arrears... it alarmed me as i thought i was managing my debt so i called the number on the card and they informed me the solicitors Bryan Carter + Co were going to take…
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Childrens Savings Accounts ( Bankruptcy )
Advice appreciated. My sons 10 and 13 both have Savings Accounts with Barclays, which I opened for them. My Husband has very serious debts with Barclaycard, which he is unable to pay due to illness, he is thinking of Bankruptcy. We sold our home to rent, but there was nill profit. I have no debts at all, but have asked to…
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full finals & cca
been making creditors full & finals all rejected so far but my cahoot debt was passed onto cabot who i cca i have had about 4 letters from them and the last one says we still cant get documents from cahoot after a couple of months of trying you can try them yourself if you want to, in the meantime we will continue to try…
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What's the best way to tackle my debts?
Hello all, I have recently separated from my partner and am moving out on my own, which is desparately sad but does, amongst other things, put me in a stronger financial position. I'd like to get my debts paid off in 3 years or less and am not sure the best way to go about it. The details are: Loan at 11% (11.6 I think),…
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Buchanan Clark & Wells
Hi, Due to some problems in the past I accrued a Council Tax Debt in Glasgow of over 2k I have faithfully reduced this debt to £400 but am now receiving serious hassles from BCW (over 30 letters) with the latest being a threat to freeze my bank account Previously I was paying over £100 per month but am no longer in a…
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Wednesday 25/3/09 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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*Whacky Wednesday Chat 25th March 09*
Well, yet again I was in bed by 8pm last night......I really can't cope with late night weekends and daytime drinking:rotfl: Right boys and girls today is a new day and remember 'paint the future the way you want to see it' Hugs to all that need it and a kick up the arriss to those that don't I am off to work shortly, then…
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Pay off old debt?
I have recently been declined for a mortgage and have 2 defaults on my credit file. One default for £200 and £330, i know that i could go down the route to getting them removed by requesting the letter of default notice. Has anyone ever considered asking them that if you pay the debt off in full (even though it is now…
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Free Listing on Ebay another way to Get Debt Free
Just noticed that everything listed for 99p or less now is free to list :beer: :beer: . You still have to pay final price fees, but now there is no excuse for not putting all your [STRIKE]tat[/STRIKE] beautiful treasures, on there to raise money for debt busting! chev
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Unenforceable, invalid or flawed financial agreements
Today I saw this ad on the newspaper that reiterated that a good percentage of all loan and CC agreements are flawed and hence can be ruled out of repayment. I am certain this topic must be covered elsewhere in the forum but I couldn't quite find a related topic. Basically an upfront fee is charged before hand and a team…
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DEFAULTS on my Experian File
I have just signed up and seen my credit report and i a few defaults on my file, 1 of which a can undersatnd and accept however 1 is an absolute !!!! up, I moved house and did not recieve any statements from Nationwide or any letters etc, i even went into the branch and changed my address still nothing when i changed it a…
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Hi, please can someone give me some advice.
Hi all, :o I am due to finish a fixed term contract in 3 weeks time, I'm worried that when I go for JSA they will take my rental income (£390) into account and not give me a penny. I am currently renting my flat to my tenant and staying as a guest with relatives. My mortgage is £650 a month and about £580 of that is…
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Getting out of my ...teeny weeny bit of debt
Heya, so I've racked up a lot of debt in the last few years and am now on my way to sorting it out bit by bit. The trouble is I've been unemployed right up until recently (gotta love the recession!) and have just started a new job. I'm earning good money and as I've had to move back home I'm saving a lot of money on bills,…
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Sharing between credit reference agencies
HI Ive asked this question a few times to different peeople but havent got an answer. I have a really good score with Experian, 888 and ive just been offered a credit card with Abbey who i bank with. However. bank in 2002 i was defaulted by Barclays through a loan that was never repaid by a family member. I have found out…
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Killed credit rating in attempt to mange debt - help!
Hi, this may be an easy one, but as I am too close to it I cant get my head round the best way to handle my debt. The problem is that I have been manageing my debts really well (or so I thought) by moving them to 0% interest cards, changing bank accounts etc, and in the proces I have wrecked my credit rating. To summerise:…
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Wescot Accepted Offer
Westcot accept an offer for my partner's mother's huge £15,000 debt of just £5 per month. This is great for her at the moment, she feels a lot calmer now. Obviously it won't go down very far, but it'll get them off her back for a while at least.:beer:
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MIL Collections
just had a friend call me in a panic saying they've received a letter from MIL Collections stating they owe £xxx the thing is they are certain (i asked 3 times!) that they have no arrears on anything. anyone know who this shower are and have a letter i can give them to send? thanks dfw's!!
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Ive no idea of who i owe money too!
Hi, i hope there is someone here who could possibley help me out, i know this is totally irresponsible and i have finally accepted i have to deal with my massive debt problem. I left work 3 years ago to become a carer for my mother who has been very ill, pre unemployemtn i had a good job with good earnings and paid off…
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Credit Rating Question
Hi there I applied for a Vanquis Visa Card and got accepted. What I want to know is- is it actually possible to rebuild your credit score or is that just an advertising ploy? My credit rating is bad due to some late payments and going over my overdraft a few times but is it actually possible to rebuild it?
