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Help for a friend
Hi Guys, My friends broke up about a year ago. She moved out of their rented flat and he stayed. She filled out the forms to say she was no longer on the tenancy and council tax. He didn't pay rent or council tax for months. He's moved away, not telling landlord that he moved so eviction notice was put on flat door and an…
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On a DMP with a speeding fine to pay - what can i do
Hello all, I have received notification through the post that i was caught by a speed gun doing 35mph in a 30mph zone (which i thought was 40mph but still stupid on my part) anyway i will probably get 3pts and a £60 fine. The problem is my DMP doesn't really leave me with much left over, certainly not £60. Would i be able…
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Phone calls from Eversheds - Dad debt
Hi, My dad owes 3-4k on Credit Cards. I have agreed an arrngt on all of them. My dad also had an Orange account which has been sold to Eversheds Solicitors. The remaining balance left over is around £450. My brother was dealing with them previously and they were demanding payments of £150 pcm but my father cannot afford…
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Newbie in need of motivation - HELP!
Hello, My names charlotte and I'm in debt. I split up with my fiance a year ago and have been left with a flat in negative equity and ridiculously high maxed out credit cards. It's been an unbearably tough year but its now time to get my head out of the sand and sort this mess out. I've been reading so many brilliant tips…
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Free Scratchcards
Hello, Sorry to post a new thread but I really have looked and can't find where to look.... I keep reading (on here ) about free scratchies but don't know where to look. I have googled it but am dubious as to the ligitimasy (sp?) of the websites I found. Can anyone help please ?? I have also started mystery shopping, doing…
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Paying a DCA by debit card
Just wondered if it was possible to phone a DCA and make a payment by debit card. I am sure they will take the money but am concerned they will keep debiting my card. Should I play it safe and send a cheque? Thank you as ever.....
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Mystery CCJ emerged while moving house... not much time to get resolved!
Hello, hope this is the right place to put this... I'm new to this board. Been really panicky all afternoon about this problem :( My partner and I are due to be moving out of our flat on Monday, into a new home. When the credit checks came through recently, my partner was told he had an outstanding CCJ on his record from…
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How do I solve my debt problem
Hi Guys. As you can see, I am a newbie so please go easy on me! I have an ongoing money issue and would like some ideas on how to deal with it. It’s been stressing me out for a while and am gradually sinking deeper into debt. I will try and give you as much information as I can. If I miss any key bits out, please let me…
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Robinson Way
Anyone had any experience of these? They've left us a few answering machine messages: the weird thing is that, anything we owe, we're up to date on. I know enough not to call back! What's the best course of action? I'm thinking I'd better get a credit report done, just in case, yes?
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Help
I recieved a letter from "Your Credit Crunchers" - telling my they can wipe my debt off - so i sent all the details to them i had call from a solicitor after a week saying my debt with lloyds tsb can be wiped off - they wont charge my any fees but the barrister will have to end court and his fees are £350.00 - it will take…
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SOA advice please!!
I really don't know what to do, i am only getting 9 hours a week in work, and it will not be put up at all. I am looking for another job, but no one is really looking for anyone just for the summer, as i am going to university in September. I don't get my student loan in the summer, and i really don't know what to do…
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template letter to freeze intrest?
Is there such a thing as a templete letter to freeze credit accounts? It's just that until i go to uni in September and get my student loan back, i'm living off £30 a month :( So i can't afford to pay anything to any of my accounts until then
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Question about my credit report?
Just been going through my credit report to make one of my regular checks. Now I have noticed that there are 8 accounts on the report showing as "satisfied". I have a fair amount of debts to pay back (after 3 years studying) and have recently seen APR rates rise on a couple of my accounts which means I will now be taking…
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Default notices updates.
I know that a default notice stays on your record for 6 years. My creditexpert from Experian says that it will drop off after this time irrespective of whether it is paid or not. Recently, I had a call from an IVA company, they told me that this information stays on your record if the creditor in question contacts you once…
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My Story
Hi All, I've decided to join the forum just to tell you my story. Maybe you'll get some inspiration from it! I'll keep it brief... I had always been level headed with money and how it was spent and with my desire to hoard I had found saving easy. Then at the age off 19 I met who I thought was my Mr. Right. By the time I…
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Struggling with debt
Hi all, I have been looking at this site for some time and have seen all the great help and advice offered – some of which I need now. Unfortunately I fell foul of the ‘champagne tastes and beer pockets’ syndrome a few years back and got myself into some debt. My partner and I are looking to buy a house next year (we…
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Debt consolidation help
hi i currently have 8 creditors and i am wanting to consolidate all my creditors into one monthly payment. i do not have a good credit score so a bank loan is out of the question. i am looking for one bill to cover everything. i do not want a dmp as i can make monthly payments can someone please give me any advice if known…
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Might be a silly question????
Hi guy's hope smeone can answer this one for me, quick background - IVA failed last year, 2 debts now came back through a solicitor. As hubby was made redundant and just going through benefit waiting game can't pay them anything but have written to them twice explaining this and giving them a £1 per debt payment each time.…
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I've resisted the Voice of Naughtiness
I currently work for myself, and I've just got a contract until Christmas working in this company's office. I'm thrilled because it means I don't have to worry about my debts for a few months. I'm still going to be running my self-employed business on a part-time basis, and I started thinking that I need some way of…
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Black Horse Full & Final Payment
Hi there thank you for all your recent help I am trying to sort out debts etc with the help of the Citizens advice couldanyone tell me if they have made a full & final payment of less than the full amount to Black Horse.We have just phoned them and one of our debts is down to £252.65 for a missed car payment when we were…
