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How do i find old debts without......
Hello, I am currently sorting out my finances but im pretty sure i have old debts that are tainting my credit file. Is there any way i can find out what i owe without opening the floodgates to threatening letters and phone calls. If I knew what was what then i could get the money together and pay stuff off. But im thinking…
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Is anyone doing a self-administered DMP?
Hi All I am looking to start a debt management plan (dmp) shortly with CCCS but I would preferrably have a self-administered one as one or two or my creditors are small (less than £500.00) whilst the other 5 are considerably larger (£2500.00+). I've already got a payment plan with one of the small debtors (Eon / BCW -…
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Advice needed please.
Morning everybody. Just some sound advice wanted. I have 2 credit cards that i'm paying off by D.D. one is Tesco which i owe about £4,500 and the other is Capitol One which i owe £1,500. I have a low credit score and i've tried for new cards to balance transfer to 0% but get knocked back :-(, is there any way to raise my…
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bbc money box, cca requests
good morning everyone. did anyone watch money box on bbc news this morning, paul lewis seemed to be quite adament that the cca route was not a good one to go for. anyone got any opinions on this?
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Help with Critical Illness and Life cover
Hi I am new to this site so hopefully I am posting this in the correct place. I am in talks with CCCS and am looking at starting an IVA, :( very very scared. In total we have 3 credit cards, 3 loans and 2 overdrafts amounting to £96,000. CCCS have advised an IVA and I am in the process of getting all the necessary…
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Settlement figures!!
I have £10k outstanding on an MBNA card, have bin paying £1 token payments for last 6mnths, yestarday out of the blue they called to say i either pay £80 a month or they would accept a 35% settlement(£3500) also said if i didn't do one or the other in next 2wks they would pass my debt to a third party! Does this figure…
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Sent CCA request to DCA they returned saying i need to send it to OC is this right ?
Wish i had a time machine
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Final settlement offers on very very small debts?
I owe £60 to MBNA credit card and £100 on a co-op overdraft (i'm paying them back £1 a month at the mo each) and my circumstances are not likely to change at the mo due to my husbands terminally ill I'm being given a small amount of money (£200) and would like to get these paid off Do you think they'd accept a final…
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Community furniture Stores
Just to let everyone know about the community furniture stores, I know some of you will already know, but I had never heard of them until a year ago. Anyone can shop there, sometimes we need furniture items, but can't afford new, they are great and deliver. Most of the stuff is donated, but has to conform to the current…
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Sat 13th Feb - What small DFW's 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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Weekend Chat Sat 13/Sun 14
Hope all the party preparations are going well today. I am sure it will be quiet on here.
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Bailiff-More aggro
Hi Its Deejay with an update on my bailiff problem. Despite continuing to pay 100.00 a month against my council tax debt I am still being harressed by the bailiff to enter my property. As I have told him no way, his latest ploy is to write to me informing that he has booked van time to collect any vehicles that I own from…
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About to apply for DMP and cant sleep for worry!
Hi there I have just started the process of applying for a DMP and was hoping if anyone can give me some advice. I am about to send off my personal budget plan and have a couple of queries There are 2 creditors i really want to avoid listing- 1 for a car loan which only has 6 months left to run (ends Sept 10). We…
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Incorrect DOB on a default in my Credit File
Hi all. Just been clearing up my credit file and sucessfully removed an incorrect default from Barclayard. All it took was a phone call every day and after 4 days it was gone!! Just one default remaining from British Credit Trust, This default is satisfied in full and is due to come off 16 March 2010. However upon closer…
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Why do I yo-yo diet (financially)?
Hi peeps Are there any other yo-yo financial dieters out there? I seem to always be either COMPLETELY skint (couldn't even find £3 for a school trip this week), or I've just been paid so I have some money. I've done a SOA, and know what money is spent where, and i'm under no illusion that I spend too much (mostly useful…
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Experian
Hi guys, wondering if anyone has had this happen before or any advice? I signed up to the free month at experian to check my credit file. All of the payment details and stuff like that is correct, but for every account or credit agreement i have, it's listed twice on the report. So that means my available credit is double…
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CCS Collect
Hello. I recently received a letter from CCS Collect regarding a bookclub which, apparently, I did not fullfill my obligation to. It's one of those clubs where you buy some cheap books and then must buy so many more in the year. I think I only had to buy two more, but CCS are demanding £152. Does anyone know what I can do?…
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Help, please. Is a default notice as damaging as a DRO?
I have debts to Lloyds and Barclaycard (now Mercers, soon to be Calder...). Payplan advised I take a DRO, but that didn't seem a good idea at the time, because of the damage it would do to my credit rating, and also I felt I should try to stand by my debts. Instead I tried to come to an arrangement with my creditors.…
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Advice please reg ccj
I would like some advice please. My partner and I took a loan out many years ago. For various reasons we got into financial difficulty and could not afford the repayments and ended up with a CCJ with this loan. We have been paying the stated amount quite happily, until 2008. They stopped taking the payments (payments were…
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Bailiff advice
Hi there, I came back from work today to find a hand delivered bailiff letter addressed to my ex boyfriend. We split up and he moved out over 2 years ago. I was very worried of course, thinking that some fat guy was going to try and take my stuff. So i telephoned the number and spoke to "wayne". Told him that he had moved…
