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Roxburghe Debt Collectors
Good afternoon everyone. I'm brand new to the site and really needing as much advice as possible! This morning I have received a letter from a Debt Collection agency called Roxburghe Debt Collectors based in Surrey. They are chasing up a sum of £455.43 from 2003 for a mobile provider called 3G and that I was now required…
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1 Down, 2 to go...
Hi All I've just paid off my Egg debt - which defaulted in 2005 with a balance of over 12K. This makes me very happy :) So all I've got left now is about £400 owing to the Royal Bank of Sh*tland and £1065 to the Student Loans Compant. I should be fully debt free by end of January/February! (4 months longer than planned,…
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HSBC/MCS overdraft debt
Hi This is a bit of a long story, but I hope someone can help. Just over a year ago I seperated from my husband and I am now getting divorced. We had a joint HSBC account, which was in credit as I left. The account wasn't cancelled straight away as it was just after payday so all the household bills were due to be paid…
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moorcroft think i have made a mistake!!
Last week someone from moorcroft came to the door about a credit card debt i had for 1300 with bank of scotland. i had the credit card about 2 years ago and had moved house and now they have found me (i was burying my head in sand). The guy said I had to make a payment and asked me to pay 75 a month i was so distressed i…
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my experian report
i decided to look at this free 30 day experian report ( i cancelled a few days later so i wont get a fee).i typed in my last to addresses as that is where ive lived for approx 7 years.It showed i have 2 debts £1131 and £336 defauled recently. They dont bother me its the past that does as 4- 6 months ago aktiv kavtiva kept…
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The Claims Guys
Hi All I might be in the wrong forum but a company called the Claims Guys have just called me who apprantly help people claim back PPI and charges for credit cards and stuff. This is all well and good if they do a good job and don't take commission for it if they are helping you claim back money, but where would they have…
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Defaults, Credit Rating & Other Mysterious Things
Ok, so a weird thing happened yesterday. I was sent a pre-approved credit card application from my bank! Ok, so not THAT weird, but it is for me. How can this be so? I thought my credit rating was shot to smithereens! Over the past two years I've been sent adverts for car, home, pet insurance whilst my OH was bombarded…
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New DCA and their solicitors chasing me - Help Needed Pls
Hi everyone, I had Arrow Global Debt chasing me for an old MBNA debt. I asked them for a CCA which they never provided, they have passed the debt onto a new DCA called Fredrickson International. I sent them a letter detailing that I didn't think they could pass to a new DCA. Their solicitors Bryan Carter & Co have written…
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When does a DCA get involved??
Hi there! Sorry if this has been posted before, but I've searched this forum, top to bottom and can't seem to find the answer :confused: Anyway, over the last 3 or 4 months, I've been about a week late with my credit card payments (always managing to pay the minimum amounts due, but always a week or so late!!) :rolleyes: I…
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Friday 27th daily chat .
Morning all..how are we all today? Bright n sunny here,but COLD!!!! 22 of us going to see Abba tribute band Voulez-vous tonight....should be fun!Spent yesterday up in London-was surprised how quiet Oxford St etc was.....Have a good day all-I'm finally seeing a specialist re my dodgy back today...hope I get some news....SRM…
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Friday 27th November - 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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ccj kelp
hi all new to this so i hope ive put this in wright part any way here i go i got ccj which i found out i had by credit report dated 2007 and listed at a old address but out of the blue this week i had a letter from mackenzie hall pursuers equidebt ltd original creditor barclaycard but letter is a failure to respond notice…
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Positively Dealing With it
I see a lot of peoples first posts saying things like "I'm in debt, dont know what to do, its all spiralling out of control" and things to that effect...I would just like to say that the fact that you've come to this site shows that you want to sort it out, so really well done on that first step :) I try to be a positive…
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SOA help/advice required please
I am a 27 year old single male no dependants. I am new to the property ladder since sept this year, my parents lent me the 6k for 10% deposit (before this I was living with ex in her property paying rent) I have a 57 plate car with 3 years left on the loan (talked into getting new car owned my old one outright) I also have…
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What to do, what to do?
Hello, I have been so irresponsible with loans/credit card debts in the past that it is quite unreal. My attitude used to be "you only live once" and proceeded to max out and not pay back. However a few years ago it all, inevitably came out on top for me and I decided to pay it all back and start afresh. I am with Payplan…
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1st Credit chasing unknown debt
Jus got a letter today from 1st Credit regarding a debt with Royal Bank of Scotland. They had originally sent letter mentioning an old address i lived at. It appears I owe £2,240.93 First I've heard about this!!! Have never banked or had finance with RBS. How do these companies get away with this?!?!!? Have sent the prove…
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credit card debt
can anyone help i had 2 credit cards with payment protection i lost my job due to ill health and im on incapacity benefit and neither company will reconise the insurance the cards are aqua and vanquish which i both received through post and signed the payment protection and now nearly 3 years later i have debt collectors…
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Up the creek with a bloomin' great hole in the boat!
Hi everyone, I've finally snapped out of ostrich syndrome and accepted that my finances are well and truly screwed. I'm not going to come on here with a great sob story about how circumstances have continually worked against me (although they have on occasion!) No. I have to sit up and take responsibility - I've made some…
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New address Experian/CCCS confusion?!?
Hi there, hope someone can shed some light on this one. Okay here's the scenario, I...* ..now have around £6,500 of debt with 4/5 different companies (reduced from £16,5000 with help from the wonderful CCCS). * ..have an Experian 'account' and at present have FIVE defaults (of which I still owe money to FOUR). * ..as…
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Some urgent advice please - really worried!
Can someone please advise me on a problem I have with HSBC credit card? Basically last year (I think) I received a judgement against me for an outstanding £3k c/c as I didn't defend in time. A couple of months ago I rec'd an order from the court with an attachment of earnings which I filled in and sent back. They…
