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CCA requests
Hi guys A couple of my debts have been passed to Collection Agencies and I've read here and there about sending CCA requests to them to get them off your back for a bit or even completely. At the moment they're phonig several times a day which I'm finding stressful. I can't find any advice on the main site about this - can…
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council tax debt and equita bailiffs
Hello and i am hoping you can give a newbie some help. Last year i had problems with my council tax which was taken to court. The court accepted my offer of £40 a month but in december following 3 family deaths i forgot to make my payment and the debt was referred to equita. I have phoned on several occasions to try to…
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Recorded delivery- Query?
Hey all. Just an enquiry, i received a card for a recorded delivery today, is there a way of checking where it came from without getting it? I have the card & code.....the code starts with DV.... Any ideas?
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Please help!
Hi my partner has just had a phone call off natwest saying as she is in arrears with both her natwest bank accounts and her credit card they are going to reposes our house, unless she takes out a loan with them to pay off the accounts. Her mortgage is with natwest but it is paid on time every month The loan is for £6850…
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Debt Collectors & Charges
Hi, (I'm not sure if this is in the right forum, but I'll give it a go. I've had a look around, and will be calling one of the debt help charities tomorrow. I just thought I post here for any other ideas - maybe it'll help someone else too. Thanks!) I've been paying debt collectors for about 2 years from an old student…
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Help me - financial infidelity!- drinking bottle of wine and on the verge of divorce!
Hi there - bear with me - you need the history! If you don't want to read history scroll down to * as I do need advice and don't want the fact this is long to put people off. Once upon a time, just a little over three years ago a happy couple were planning their fairytale wedding when the lovely bride to be came home early…
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Received a copy of my credit file today....bit confused!
Hi All I received a copy of my credit file today....and despite it being 20 pages long...it says my score is 973 out of 1000....which I'm guessing is good?! :confused: However, when I was reading through it...there are a hell of a lot of unrecorded searches done by Royal & Sun Alliance in January this year over a two day…
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not sure what is best???
Ok im pregant and due to go on maternity leave in august i have a halifax current account which has a £600 OD on it which is maxed every month and has been for ages im paying my debts off but im clearing my CC first as the intrest is highest there - me and OH have a joint account which all the bills come out of and each…
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First post. Newbie. On a DMP but debt being sold to and new charges added
Hi i am on a DMP with Debtcare I know stupid straight away but didn't know about the free ones untill recently viewing this site I have been on it for approx 6 months payment £223 month for £30k debt with CC's and £10k Debt with Catalogues First months payment was a fee and 2nd month 1/2 of it is a backout fee Charging…
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Snowball calculator
Hi all, Does anyone have a link to the snowball calculator? I've tried searching the site and threads but couldn't find it anywhere. Thanks
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Newbie SOA.
Hello. I have been lurking for a while and have just done my SOA which is copied below. Where am I going wrong? I really want to shift this debt but I also want my family to have some kind of life as well in the meantime. Any ideas how I can improve it? I haven't included an amount for entertainment as in reality we just…
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A debt which is not mine
Hi all, This is my first time posting on the forum and I hope somebody can help me. I have recieved a letter from Fredrickson International claiming that I owe £280 to a company called Instant Cash Loans Ltd t/a The Money Shop. I have never used Instant Cash Loans t/a The Money Shop,and knowing the reputation Fredrickson…
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Disater with natwest account in dmp any help please!
DMP started in April, CCCS sent out initial paperwork end of March but unfortunately they one of the digits incorrect in my account number so natwest wrote back to them, I confirmed the correct number with CCCS before April's payment was due and I thought all was fine. But for some reason CCCS didn't take the account off…
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Brothers debt killing our mum, please help
Hello, hoping someone can help as really need some advice About 2 years ago my brother was living with our mum and one day he just upped and left. He left behind his car (for what it was worth) and a few bits in his room. Also he left behind bank loans, credit cards and other bills. The car was taken away due to road tax…
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Car Insurance and CCA
This is a simple question really (probably not int he right place...) Question is on behalf of someone else who has a car insurance policy, which is paid monthly. Cover has been cancelled, is (apparently) liable for cancellation fee etc. However, they have no credit agreement with regards to the policy, the Insurance…
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Reducing credit limits and credit rating?
I am working on paying off my debts using the snowball method. On some of my catalogues I have very large credit limits eg £4500, when I only have a £500 balance. I want to contact them and reduce my credit limits. Will reducing these credit limits damage my credit score in any way? I am planning to apply for a mortgage in…
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Scottish Power says I'm claiming for money not owed
I initially was paying Scottish Power £7.75 a week to clear a debt of 161.88. After checking through my online bank statements, I realised that even though this had been paid up, I was still paying the £7.75 a week. On totaling up what I have paid, I came to an amount of £209.25, £47.37 more than the original statement. I…
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Help please - partners hidden CCJ has started an avalanch of misery
Hi All, I wanted to ask advice on what to do next. I am so stressed about our situation. Sorry if this is a bit long to read. I have 4 Credit cards and an overdraft. The cards have about £39,000 on them and the overdraft is £1,500. In Feb/Mar this year, I asked our mortgage provider to loan me an additional £40,000 to wipe…
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Payplan DMP Advice
After following advice on here which I'm very grateful for I decided that rather than using a profit making company for my DMP I would go with Payplan but I have been told by them that as there is nothing left between my incomes and outgoings (mainly because Im on maternity leave) they cannot help with a formal repayment…
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Is it worth getting a second job
Have been given the chance to do a bit of extra work as a second job but will i get taxed too much?? i currently earn around £13k before tax and the new job will be for around 6 hours a week at £8 an hour. how much am i likely to get taxed in the second job is it worth my while?? Thanks in advance
