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Disillusioned with DMP
I'm getting very disillusioned with my DMP (cccs). Been doing it for 3 years now and was told in 3-4 years I'd be debt free. In another 3-4 years on top of that maybe! The banks keep adding charges here and there so feel like I've barely paid anything off. The figures from the bank and the cccs are worlds apart. When i…
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Old Credit reports
hope someone can help with this. Is it possible to get a copy of my credit report from a year ago?
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Please help with some debt advice....
Hi all, am in an awful mess and would appreciate some guidance. I dont know where to start on the road to getting debt free (it will be along one!). I have not yet defaulted on mortgage or cr card payments but only because I have been paying essential bills on cards for ages and of course it has all caught up with me. This…
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We are in a mess! and don't know what to do.
Hi All My wife and I have done the budget brain budget and results are below. I am self employed in the medical profession (so relatively stable) But my business can't sustain the level of income we were taking out of it. I had a tough sit down and look at the business and realised I would have to cut my salary so to…
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Debt Consolidation Loans
Hi - I'm sure this has been done to death but this forum's huge :) My partner and I are c 17k in debt. I'm considering taking out a debt consolidation loan. With our debts, it's put loads of pressure on our relationship and we've been at each others necks for, well ages now. Most of the debts in her name and she has a crap…
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Halifax grrrrrr !!!
Thought I would share this one - just thinking of it makes me angry.... My OH and I had a small business, to cut a long story short we ran into trouble with it, we couldn't make enough to make it pay so ended up trying to sell it just as the credit crunch started (great timing) so over the two years it took to sell we…
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Council Tax
My son is having a problem with council tax. He shares a flat with a couple of other lads. One of them didn't pay his share of the council tax, of £150. My son says that this is partly his fault as he knows how useless his flatmate is at paying things and he usually takes responsibility for making sure things are paid.…
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County Court Judgement
I've got a county court judgement for £4k ordered to pay it immediately which I obviously cant. I've just received a letter from Gregson and brooke offering me help. Is this just a company that pick out people who have just recieved a ccj or are they affiliated with the court, from what I gather from there website they are…
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Experian Credit File
I received my experian credit report this morning and I don't really understand it so would really like some advice. Under the credit agreements section, it has each of my defaults listed twice. Is this normal? I've never had one from experian before and equifax only list these things once so could anyone advise? Thanks
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Capital One and DMP. Help please.
We have been on our DMP since September 09. All our creditors have now stopped interest and charges except for Capital One. We had a letter last month from CCCS saying that Cap 1 had told them the name on the account was different to the one on their files. This was purely because the DMP is in joint names but the debt…
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Statute barred advice please!
Hiya Guys, I've been a lurker but some of your posts have got me thinking! My partner who I've been with a few years, took a loan out when he was with a previous partner. He made repayments on the loan until he lost his job and she chucked him out leaving him homeless. He's spent quite a few years floating from place to…
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Huge debts - advice please
Hi We're having serious financial difficulties. We've got huge debts, reduced income (I work part-time due to young children), in negative equity etc. We're struggling and can't see how we can get out of our mess. We'd appreciate any advice on how to make cuts or what to do about the crippling loan repayments each month.…
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Defualts disappeared confused
Hello, Looking for advice - my husband had x 2 defaults on his file which were settled in 2007 we thought thy would stay on his file for 6yrs from this date? But when we have been on experian and equifax there is no sign of these at all? Can anyone explain this? Does this mean he is ok now? Thanks.
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Just set DMP & bank calls parents home.
Hi All. i've just set up a DMP and still getting a few letters through. Ive made 2 payments (jan and feb) so far. My bank have called my parents home today- where i used to live when i opened the account and loan, ive updated all the details online and taken their number off. They called asking for me to get intouch as its…
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Mackenzie Hall
For everyone who has a concern re communication from this vile company, here is what you do.....NOTHING!!!! if you contact them in any way, shape or form you effectively reset the statute status of the account whether it has ever been a rightful debt or not, they then can legally pursue you. so do absolutely NOTHING. They…
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Fitness First Contract
Last month i joined the gym and also got one for my brother,Thing is hes hardly going because of college,no car etc etc.I don't wish to continue paying for him if he doesn't go but i've heard they are hard contracts to get out of?:money:
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Lloyds TSB consumer debt Brighton
My partner has a debt that was passed to Brighton 17 years ago, we were paying £10 a month , then 3 years ago it was increased to £15 a month They now want £50 a month, he rang them today , they said they were not a debt collection agency, they were lloyds TSB and the debt had been passed back to them 'in house' He asked…
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Trying to ditch the overdraft!-question about Martins advice
Hi Guys, My Husband and i currently have a £1000 overdraft on our joint account with Abbey (Santander) which we 'live' in i.e. we use it every month up to the limit. (jointly we earn roughly £3000 a month and our outgoings are roughly this so unavoidale now we have it) :-( We are trying to be more money savvy, and today…
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CCA - Request Becoming a nightmare HELP!!! Updated 18\3\2010 Result
:jI hope I am just worrying over nothing here. I sent a CCA request to Lowell Financial just over 2 weeks ago. They sent back to letters sayinmg they were contacting the original Creditor (Cap1) and would forward it when they could. I gave them the standard time no joy. I sent a reminder on thu recorded and today, either…
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Write off your Debts.
I've been listening to 'Moneybox' this lunchtime on the radio, They did an interesting story about these firms that offer to get your debts written off. One of the moneybox staff had received an unsolicited email asking if she had loans and would like them written off. Moneybox decided to follow up the story A researcher…
