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Help with Default please
OH and I have 2 old accounts with MBNA there are now with DCA's. On checking our credit file and old paper work it seems that MBNA defaulted us a full 30 days before they should have and 9 days before they wrote to us with the default notice. I have looked at the threads relating to default removals but most of these cases…
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Done something unforgivable resulting in £207,000 debt
Hello everyone..... my light bulb moment came very late but here I am starting to deal with the nightmare that I have created. You don't need to be gentle, I've well and truly messed up on so many levels but now I really need to take responsibility for what I have done a deal with it. Long stort short..... I'm 33 years old…
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What shall we do?
Hi there, We've been thinking about our debts alot now and after speaking to OH's mum who has just finished with Payplan, we think a DMP would be a good idea for us, we just about manage to make the minimum payments on most of the cards but get caught in a spiral of missed direct debit charges and late payment fee's! Now…
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CCJ - How long
I hope someone can help. I took out a NR together mortgage and I have a CCJ on the loan part of it. I still have 15 years to pay, will this CCJ stay there for the next 15 years? :o
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Baines & Ernst Question & Answer thread
We have a strict no advertising rule on the site and only allow certain companies to post on the forums at our discretion. Baines & Ernst is not one of these companies, however if you’re having problems with your debt management plan we are allowing questions to be answered by Nickpearson in this thread, and this thread…
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Clearing a Default Issue!!
Hi everyone. Im looking for a bit of advice. We have just applied for a rental housing association property and i have been made aware of a default on my credit record. Dating back to April 2009 for £1175 for unpaid catalogue (Silly i know). I have contacted the company in charge of retrieving the debt and been told it…
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Tips for dropping my food bill?
I am trying to pay off as much debt as I possibly can and currently spend £20 a week on food . I am the only person in my household and would like to drop this to £10 a week. Any recipe tips or ideas on how I can do this? I like to eat relatively healthily if possible but want to put some more money towards paying off my…
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Available credit on credit report
One of my debts is a Lloyds TSB credit card which has been closed. However, it's showing up on my credit report that I have £2500 available credit, based on the original credit limit, when the outstanding balance is just under £500. Would I be best asking them to reduce this or is it better to have a higher amount of…
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lull before the storm
Hi Slightly worried. Ive recently tried to set up my own DMP. I have written to my creditors and offered them a payment I can afford to pay. Just waiting for all the phone calls and letters rejecting these offers - however so far everybody has agreed and sent me payment slips through to pay on and either reducing or…
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Is sending an email classed as RECORDED?
just a quick question guys. Mackenzie says on it's papers that if we want to complain then we can email them. National Debt say that whatever we send must be recorded, to show as prove later. My question is that if i sent them a letter of complaint via an email, surely that is recorded as we have electronic proof that we…
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Credit Score Scam .
Just found out I,ve been charged £19.95 by a "free check " company . These companies post on yahoo and the like . But fail to make it clear that if you do not cancel within a certain period you get charged ! SO PLEASE DO NOT SIGN UP FOR THESE "FREE OFFERS" .
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CCA for dummies help
Just had a lovely conversation with Barclaycard (Mercers, actually). Anyhow, cut a long story, I can't afford to pay what they are asking but they really annoyed me. I ended up continually saying, "I can't afford that" to all their suggestions. I have £5500 of debt with Barclaycard. ProRata (sp) I can afford £23 yet they…
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credit card help
Hi, I am having trouble at the minute paying my credit card bill, should I contact the CC company, and if I do, what help can they give me? Thanks
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DFW daily chat wet and snowy Monday 22 Feb
morning beautiful people. Here we go for another week then. Lots of really heavy rain down here overnight so I hope the snow hasn't got worse further up country. Off to work in a minute and am then invigilating tonight after popping home for an hour. Originally said I wouldn't do it as it was going to be where I teach on a…
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Monday 22nd Feb - 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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Closing lloyds account?
Hi just about to go on dmp got phone interview this thurs question: I have 1500 debt with my bank lloyds. i acnnot pay all these monthly repayments start march. should i close my bank account? will lloyds try to make life difficult sorry need to know b4 thurs. worried
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Churchwood won't reveal the balance AAARGH!
Am just about to start a dmp with cccs - interview this thurs hubby is with churchwood on a dmp and obviously we want to lump his debts with mine, ie move his dmp from churchwood to cccs. the problem is that finding out what he owes is like getting blood from a stone, they will not tell him. once he said 'i may be able to…
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What areas of your life do you need to improve on?
Inspired by renovation.girl, I thought this would be a good motivation thread for us all. My areas are: WORK - Hate my job, especially the boss. I want to finish my degree with OU and take on a different career path. Need another job first to be able to afford this. I am looking with no luck, need to keep motivated. DEBT -…
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Credit file advice for a newbiw please!
I just checked my credit file and there are a few things that i need to get rectified but am not sure how best to do it to get the desired result! Firstly, there are 17 linked addresses from my car finance company, bank and phone company over a periood of three years when I was a student. I have asked the car finance…
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Debt Free Management Plans
Hi have about 15k on different credit cards but being a limited company (smalll business) for only six months we cant get any loans ,cheap rate credit cards to consolidate and pay off, so have looked at a debt management plans but worried about credit rating as currently on interest only mortgage and will need to look at…
