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Never been in debt, but got a collection ??
Hi wondering if anyone can help here. The other day, I received a letter from a company called Rockwell Debt Collection Agency demanding that I pay them in full within seven days or they will take immediate action. Now I have only ever banked with one bank (barclays) I have never had a debt, I don't have any credit cards…
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Aktiv Kapital - 10 year old debt
Hi, I am new to this forum and would like a bit of advice. Last year I consolidated all of my outstanding debts in an IVA. Last week I got a letter from Aktiv Kapital asking for me to phone them to confirm my address. Having never heard of this company I phoned them to find out what they wanted, as I had been fending off…
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Frightened And Need Help!!
Hi Guys, I have a Debt-Wannabee Diary but I need help now and I wasn't sure if anyone reads my Diary...so I thought I would post my last frantic post on my Diary in here...I hope that's okay: Okay....I'm coming back to you guys and absolutely and thoroughly ashamed of myself - I just keep on messing up and messing up over…
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Have you turned the heating on yet - 2009?
This time last year Tyllwyd had a great poll to see whether or not people had turned their heating on yet. In the interest of science, the credit crunch and to help us up here in freezing Scotland stay strong a little longer, I'd like to propose we ask exactly the same questions again. Are we holding out longer because…
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Need advice badly......please
Hi I need advice badly, so ill start from the beginning. I became a single parent 10 years ago, my ex left me in debt roughly £5,000's worth (not loads) but enough when u have to survive on benefits. I was evicted out of my home due to the property being a tied accomodation to my ex's job, lost my friends and my job all in…
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New to debt management
Good evening Debt Free Wanabees, As explained in the title I am quite new to debt management and so look to any of you experienced people out there for ideas and advice, firstly, a bit about me:- I am not new to the site, think that I joined in 2008 but I don't have access to the internet very often and also kind of have…
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Defaulted IVA
Some years ago we entered an IVA but defaulted. We have checked the insolvency register for England & Wales, we are not on it. Subsequently we are now paying creditors off, some of which we believe were in the IVA, is this legal on their part. As the IVA was over 6 years ago, and weve had no contact with the company in…
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full and final settlement offer advice and help
Hi i've managed to save some money over a few months with the idea of offering settlements to DCA and paying off 2 small credit cards and potentially be debt free. i'm very excited about this. :j I offered my metropolitan DCA £450 of a £800 outstanding balance (i've been paying £55 a month for a while now) but they refused…
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3 mobile contract passed to debt collectors - help!
Hi all, Hope someone can help. In 2006 at some point my sister, at the age of 18, took out a contract with 3 mobile. The phone was stolen, but apparently (to the best of her recollection) insured and she believed the contract was cancelled once notifying them. She wasn't living at home at the time, and when a debt…
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Crap :(
I knew paying off debts wouldn't be easy, and I've only got myself to blame, but what do you do when you really -really- need to find some money? Like when the kids need new clothes? I've been trying to sell old bits of theirs, but I guess everyone's broke. Looked in the one or two charity shops locally but they're even…
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Alliance and leicester offers?
i have a loan debt of £4800 with alliance and leicester and hopefully soon will be able to make an offer of settlement. How are alliance and leicester at accepting offers and how much should i offer them to start? Thanks for any help, ollie.
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Considering iva need advice
HI OUR DEBTS IN TOTAL ARE 100K ALL UNSECURED BETWEEN 8 COMPANIES AND I HAVE SPOKEN TO MANY COMPANIES WITH VARIOUS FORMS OF ADVICE. BOTH MY WIFE AND I ARE SELF EMPLOYED WITH NEW JOBS WHICH WILL BRING IN ABOUT 5K PER MONTH BEFORE TAX YET OUR OVERHEADS ARE AROUND THE SAME FIGURE. HAS ANYONE GONE THROUGH AN IVA AND ARE THEY A…
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Settlement Offers - Anyone with any experience?
Anyone with any experience of making any settlement deals with a DCA? What kind of % do they accept if any? Any advice and experiences welcome Mel
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Loans V's Credit History
Sorry I know theres lots of similar questions but I was wondering if anyone could give me advice. I have 2 Credit cards both with approx 2k each on both are clean with all payments upto date. I also have a loan of 1600.00 which is upto date and states sastisfactory on my credit report. However I have 3 defaults on my…
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Triton Credit Services Problems
Has anyone else had experience of dealing with these people. If so can anyone tell me the average time it takes them to present a cheque. I had a debt with Natwest which I was paying monthly without problem until these people got involved. Firstly they advised payments hadn't been received, payments which I'd been making…
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Full and Final settlement offer?
Hi, We've approached a DCA with an F&F offer on an outstanding debt. They have responded with the below: "The figure our clients will consider accepting in settlement of the above debt is £850.00 which has to be accompanied by your income and expediture details. Please note that without this information our clients will…
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always in debt
Hello all, I have recently tried to embrace the debt-free lifestyle (again) and am just after some advice so that I don't succumb to the temptation of cards again and take two steps back (again!). My first question is how do you stay on the straight and narrow? I do really well for a couple of months and then go back to my…
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Equifax, useless!
Could not decide which forum to post this in, so picked this one. I had a default from 6 years ago when i was wreckless with money hit the 6 year mark on the 30th August. (Defaulted 30th August 2003) 31st August it dissappears of my experian credit report as it should :T Equifax is a whole different story, its still…
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credit files and statute barred
hey every one x have just received details of a debt from westcot, there is no record of it in experian or equifax should I check the other one just in a case? I am quite confident that it is over 6 years old and statute barred, if it does not show up on any credit files does that mean that it is definitely statute barred?…
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Even More desperate now help !!!
I have linked this post to my last thread as I feel the back ground should be read if you have not read before you can find it here I got some very good advice but on me sending the cca request they are telling me that they Don't have to supply this document as it's already a ccj Now if I send for a suject to access and…
