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DMP LENGTH OF TIME - How long were you told, and how long has it actually lasted?
Hi Just want to see other people's experiences with this. Our 5 year DMP is actually going to be almost 9 years, hopefully no longer, due to interest and charges being added. I do realise that this is an estimate, and will only happen if all your creditors stop interest (which is my experience, doesn't happen), but just…
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omg....Lloyds OD - HELP
Hello I have been lloyds bank on a DMP for ages, they never get letters from CCCS, never get letteres from me, and continue charging interest In November we reduced payments to all creditors on a DMP, and communicated....Lloyds 'never got that either' and started charging high interest again anyway, cut a long story short,…
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Settlement fees were valid cca in place
Hi all I thought I'd better ask this question as I may need to apply it now, so sorry if it has been asked before. I currently have short term payment plans in place with various card companies some of which have produced valid CCA's. Soon these will come to an end and unless I can negotiate a further plan they will send…
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** Daily Chat Tuesday 9th Feb ** one day closer :)
Morning all flipping freezing here this morning and I shall have to brave the cold to walk to work. Got to take B to an eye appt the other side of bournemouth this afternoon so must remember to write a note to take her out of school. right better crack on, catch you later from work
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Tuesday 9th 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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Could someone look at my outgoings please?
Hi everyone, I thought I would post my outgoings for advice on where I can cut back further, I am starting a DMP with CCCS on 1st March. We are already looking into reducing some costs, but would like advice on any areas we may have overlooked. Thank you :) Household Information Number of adults in household........... 2…
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The Most Shocking CCA Ever Constructed
Well thought I would post up to get some answers to my concerns and share my thoughts & facts which will hopefully help others, Sorry about the length of post / but worth a read to see the way these sharks operate and hide the true facts , how they fake documents to TRY and back up they lies and deciet and hide the dirty…
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Confused by online Equifax Statutory Credit File
I am starting to look at getting my credit history sorted and so have begun the process by ordering my 3 statutory credit files. I have ordered paper versions from Experian and Callcredit but when ordering it from Equifax it said I could see my statutory file online for the same £2 fee as the paper version. Anyway, I took…
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Woken up and smelt the coffee!!!
Hello - I am new to all this and have been practising the ostrich routine for far too long. Spoken to someone over the last week about setting up a DMP and as my partner is unaware of the problem - he has the threat of redundancy at the moment, and I don't want to add to the stress levels - I felt I had to get a grip and…
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CCAs - what next?
Can someone please advise on this please? OH has these 2 cards which we hope to make !!!!!! offers on ASAP. However we haven't heard from them recently and not sure what to do next: Card Number 1: Mint (but with Triton) Account opened in 1995 and managed well until around 2007 and then we had problems and it got passed to…
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Credit checks
Hi, not sure this is in the right place..but i know mobile contracts require you to undergo a credit check before being able to get the contract... My question is, does VirginActive gym also do a credit check when you sign up to them? thanks in advance for any help!
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Defaults
Hi all! I'm new to this and was wondering if someone can help. Due to my naivity (I believed ex boyfriend!), I got myself into a bit of debt. I have nearly paid them all in full, but I was wondering what can I do about the defaults I have had on a few accounts? Can I complain and write to the financial ombudsman, to get…
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Internal bank scores?
Hi, is it true that banks have their own internal credit scores for you if they have dealt with you in the past? If so how long do they refer to these scores for or is it all a myth and only whats on your credit file counts? I'm wondering whether to try a bank account I previously owed money too a long time ago thats now…
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outstanding debt of 13 yrs
Hi can someone please advise me where I stand I today received a letter from a company chasing me for an outstanding debt of 13yrs whats this all about ?? can they do this ?? Anyone have advice:eek:
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Bit of a tricky one..
Hi, just wondering if someone can give me advice on this... I had a student account with Lloyds TSB when at University and let's say, I wasn't the most sensible student with my money. The year before I graduated (2008) I had my bank account closed due to going over my agreed overdraft limit. It was 1700 and I managed to…
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Natwest ccj, charging orders and our CCCS DMP
Hello everyone, After setting up a great DMP with CCCS, we've now to the stage where every creditor except natwest has accepted the DMP. We've been paying since September and whilst they've taken the money natwest via shoosmiths are still pushing through for a CCJ. Unfortunately we have creditors to whom we owe more and if…
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Extending Egg Repayment Plan (If Possible)
Hi all just finished a 6 month repayment plan with interest frozen with Egg with first payment just made by direct debit (I hadnt realised I had arranged this) However I am no apparently unable to continue this for another 6 months and the only way around this is to go on a DMP and get a default. Have any of you…
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can anyone give me advice here
had a letter from activ kapital which reads the following (just has a reference number) and i have never heard from this company before. we have been instructed by our client to recover the overdue debt, we DEMAND the sum stated below is sent to this office IMMEDIATELY using the payment slip. Your failure to comply could…
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A deep breath...
Hello all, I am new to the site but have been lurking for a while...but I am finally going to take the plunge and need support! I have been burying my head in the sand for a while and have managed to build up huge debts! Although the past year I haven't deepened myself any further into debt, I can't seem to see a way out,…
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I wanna be a Debt Free Wannabe
Hello there, I have been an avid user of MSE for some time now, and I guess this is the proverbial 'lightbulb' moment. Can some of the more experienced members of the forum advise me on the next steps to take. I want to do this right so please advise and don't judge! I am a little perplexed about all the information - and…
