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How long do banks keep records of bad debts?
How long do high-street banks keep records of bad debts of former customers that they have since written off and which have time-expired? In other words, for how long will they refuse to do business with a customer who has previously (more than ten years previously) defaulted on them?
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My SOA
I realise from the statement below that it doesn't look like we should be in any trouble financially, but my husband has been unemployed for a month now, so I thought I'd run this past you to see if you clever folk could see anywhere else in the budget we might trim down - I think I've pretty much got it pared to the bare…
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Nice house in the country?
Hiya, just registered after being a long time lurker! I have a pretty good job and other half works full time as well. I am currently on maternity leave after having my second beautiful daughter and here's my quandary! I owe about 12000 including student loans (approx 9000) and am really getting to grips with tackling my…
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Girlfriends Debts, whats the best option?
I sat down with my girlfriend last night and we went through how much she owes on each of her 7(!) credit cards. We ended up with a figure of roughly £10k. Most of the debts were accrued purchasing and moving into her house a couple of years ago. She has her own mortgage and comfortably pays it off each month, even more so…
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Help with AIC please urgent!
Hi I'm having a nightmare with this company! They keep bullying and threatening to send someone round to the house to serve court papers. Am worried sick as my mum's 80 and someone calling around for this would just about finish her off. Do AIC ever send anyone to the house, please or is it a threat? I can afford to pay in…
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Halifax - withdraw my overdraft and left me stranded - help
I am experiencing terrible difficulty with the Halifax at the moment. we have an overdraft on our Ultimate Reward Account (which we too pay £12.50 a month to use) and as part of the account have a free overdraft up to £300.00. We also have an overdraft of £3,000 or should I say that we did have an overdraft, that was until…
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Im new, and desperate for help, im sick of feelin like this
Hi guys, Where do i start, first of all, i know im in this situation because of myself, I am first to admit that my debt issues are problems caused by myself and ive come to the stage that its affecting my life and i really need to do something to change it all and get myself sorted out. I would like to know what direction…
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Eversheds - should I contact?
I had a call from an "International" number on my home phone at lunchtime today - picked it up and was a recorded message stating a call for "Mr Kevin" and to press 1 if I was or he was there which I did - message then played saying "Please wait while we transfer you to an Eversheds representative" before the line was…
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Help Please Charging Order???
Hi Guys, Just need to pick some brains on this one. We are in a DMP and have been for 6 Months. We are paying RBS £309 PCM to an unsecured loan of 27K. Loan balance on default was 23K but once they had added interest to the balance came in at over 28K:eek: Anyway long story short £309 is all we can afford at the moment.…
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cOULD SOMEONE
Put me in the direction of a template letter for the limitation act 1980 please
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Why am I addicted to shopping and how can I stop?
I'm in a huge amount of debt about £20k. In June last year a family member loaned me £26k to pay of my credit cards and I promised not to spend again and to save - I'm so ashamed I just spent all the money again and have no savings. I did start saving but then spent the money. I always seem to find a way to justify my…
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Alliance & Leicester - Awful Bank
Alliance & Leicester are an awful bank to be with. Got a letter last week stating that I had gone over my overdraft limit and were starting to charge me £5 a day until I brought it under it's limit. I only went over my limit because they are charging me £5 a month for being in my overdraft and £5 a month for not paying…
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Bank charges confusion
I think I might not have a leg to stand on here. HSBC and I have a very tetchy relationship. I foresaw I was going to go over my overdraft limit last month so I asked them to put it up. They refused. I went over my limit and then this month got charged £50 "pre-notified charges" for going over my overdraft. This month I…
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BCW?Debt Collectors?
Hi, I have just received a call from my husband at work and he told me that a company who identified themselves as BCW had rang his employers number. His boss passed the phone to my husband and they then proceeded to ask him his postcode( which he gave!) and then asked for previous address. My husband was then wary and…
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Is This Legal ??
In 1992:eek: I had a business that went bust, (recession) I ended up owing Nat west Bank £4325 on business account (other people owed me £12000 :mad: that went bust on me)....after several months wrangling debt ended up at £8425 (interest added thanks Nat West). I have been paying this debt off since 1992…
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Arrangement to Pay - Credit Record
I'll try and keep this brief. I have been waiting for today for a long time. The two defaults which (I thought) were dragging my credit record down dropped off all my credit files today as the six years have passed since default. I logged in to my "Checkmyfile" account today and found the update button ready to click so I…
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Where to start with contacting creditor?
Hi, I've got my SOA done and I am close to contacting my creditors(8 credit card companies) about my debt which is £30,000 between them! I'm not sure whether to write or phone to each and every one of them with a pro-rata proposal and hopefully to freeze interest as well. Or should I contact CCS first and get their advice…
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Triton - Advice Reqd
Hi I need some urgent advise. I currently have aloanwith Natwest which has been placed under dispute due to loads of errors which were on the banks part. I received a telephone call from Triton yesterday evening. This was the first I had heard that they were now dealing with my account. I was advised that they are willing…
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Just some advice please
Hi I have been here before and finally taking the plunge to sort my debts out once and for all! I am having my 2nd call from payplan tonight and would like some advice on the information they will be asking for. I have got together all my bank account numbers, balances. My creditors accounts, balance, and amounts due and…
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Thursday 26/3/09 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,…
