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When do they have to stop hassling you?
I am new to this site and following a bad time in the 90s had at last managed to get debt free although due to the credit crunch things are starting to go downhill again. Amongst my current problems which I hope will be resolved following Martin's advice on PPI, I have received a letter from a Debt Collection Agency…
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Help- i'm in over my head
Hello, I'm in the doo doo I have an RBS loan, that started going a bit wrong a couple of years ago when i tried to change the repayment date as i changed jobs. Basically the short version is, they failed to change the date and as a result i incurred charges and when i was paying money into the account they were using that…
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Abbey - Paying off Loan early?
hello just wondered if anyone else has had experience in paying off a loan early at a full and final settlement figure, but has not ever defaulted on payments or the debt has not been sold on to an agent? I've got a loan with abbey with about £8k left, I have never (to my knowledge) missed a payment, I pay only £179 a…
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Court Claim Form
Just recieved one today from solicitors acting for Phoenix Recoveries - who failed to provide a CCA until recently many months after requesting it and after letters were sent to let them know that they had failed to supply within prescribed time limits. Now I have heard many people say that the law changed regarding this -…
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Really had enough
Hey, Posted on here a few times regarding my house and debt situation due to my exboyfriend. Well the joint house was valued and there isn't enough value in the house to clear the debts we owe so he wasnt to rent it out. I've told him i do want any more financial commitment with him but his not having any of it and is…
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University fees owed to us......help
I hope someone can shed some light on this for me About 3 years ago my husbands old university rang him to say they owe him £1000 as he had over paid on his fees. My husband has lost the claim number they gave him, so has no record or correspondence to follow up. He has written and emailed the university with no reply.…
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Questions about paying off Debitas
I have some questions I want to ask about paying off Debitas who have to be the most ruthless bunch of money-grabbing Bastitches ever! 1) If I make a offer of payment monthly, am I within my rights to say that this offer is on the condition that they don't ask for any documentation such as breakdown of monthly expenses,…
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Littlewoods - NDR Ltd
Hi I started making payments last year of £8.00 each month to Littlewoods after help from Citizens Advice Bureau. They then sent the debt to NDR Ltd who accepted this payment every month. I get a statement from them every month and they are adding on INSUFFICIENT MINIMUM PAYMENT FEE OF £12.00 everytime and this month a…
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Negotiating Repayments
My dh and I have some debts that we're trying to clear, but two of our creditors are demanding payments higher than we can afford! I don't want to agree to something that we can't afford, I would rather agree to a smaller amount and then pay more if we can. My dh is a roofer, and while he's ok at the moment, he had some…
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provident letter
Hi folks , My friend has recieved a letter today from provident. The letter state that they have taken over the repayments for an outsatnding debt owned by westcot . They have listed two 0% interest rate of repayments over 25 or 52 weeks (both she cant afford) it states at the bottom of the page a new agreament with…
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feel alittle worried
I have a debt with mbna i have received a letter from capquest mbna have sold my debt to them .The letter said i had to phone them asap or they would go for legal action .They would not accept the payments that i was originally paying mbna which was £14 so with reluctance i have agreed to pay £20 per month .This is the bit…
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Mid-Week Blues - *****Daily Chat Thread 16 Sep*****
Morning gang, how we all doing today ???
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Wed 16th September - What small DFW things have you done today?
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, when…
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Not in debt but seeking advice on SOA :)
Ok, where to start. I am debt free essentially but wanted an overview on my SOA. I am being made redundant at the end of December and just wanted an outside opinion of my finances. This is quite a big step as i find it strange to put so much personal stuff on here, but what the hey?! I am worried I wont be able to get work…
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Cahot default
hallo I noticed that i had 2 defaults from a barclaycard I had in 2001. i quickly called barclaycard and was informed it had been passed onto cahot. they wanted teh money there and then and of course iw as questioning it, my problem is i moved house in 2004 and have been at my current add for 5yrs now. they were both…
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Posted a few weeks ago feeling more positive and dealing with debt!
Hi all, I posted almost 2 months ago with problems with our debt, we managed to survive another 2 months, i applied for some evening jobs and basically was told i wouldn't get a job in a call centre because as soon as a teaching job came up i'd take it. - to be honest they were right! All things came to a head over the…
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Administration Orders / Student Loan etc
Hello all, as a newbbie I'd like to thank all of you for posting useful advice daily. After weeks of going through most forum posts in regards to debt, I now feel that I may be able to deal with my debts rather than ignore the 10+ daily phone calls and letters (oh, and not to mention the BAILLIFS knocking on our door!) My…
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Weekly Spend Challenge W/C 13th September
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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MackenzieHall - Help!
Good Evening, I have today recieved a letter from mackenziehall for an amount outstanding of £324.00 which was borrowed from QuickQuid some months ago. I have recently taken control of my finances and entered into a debt management plan with my creditors (advice taken from payplan but debt management plan managed by…
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Fredrickson International/Arrow Global - contacting my place of work
Hi, I recieved a letter on Saturday (my Wedding day) from this company. They say I owe them over £5000. Never heard of this company before and they haven't given any details at all regarding this debt. Today at work I received an email from HR saying that I needed to call Fredrickson Int "URGENTLY". Can they do this? How…
