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Help with a refund letter
My friend has just text me- she has been informed that a gym she joined in 2006 and left about 4 months later are still taking the payment from her each month of about £27. She rang and they said "we'll owe you some money then" and they want her to put it in writing about joining and cancelling. She wants me to help her…
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Friday 5th February - 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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Boo hiss to Nationwide
Hi there, I am just recounting my story to say how good CCCS are and how miserable Nationwide have been. My wife and I have moved to NZ just over a year ago. Our plan was to sell our house and pay off our debts leaving a clean slate. We didn't realise that the world's finances would go belly up and therefore we were unable…
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help and advice needed
hi i've been reading this site for over a year but have never really posted i need a bit of help i've got myself in a pickle i'm in a bit of debt well alot actually and need some friendly advice i owe roughly 2500 debts some with DCA i earn 1300 a month a pay 350 rent and roughly 100 in house hold bills but i just need…
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Had my lightbulb moment!!! Very scared
Well, after years of burying our heads in the sand, DH and I have finally decided enough is enough and gone through all our creditors. Now, they're all defaulted on, and recently, our credit has been fine. However, I am shocked to work out that we owe £42, 666!! I feel physically sick just writing the figure down :cry: I…
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Defaults on Credit File
I have 6 defaults on my credit file at the moment and some of them are coming up to being 6 years old this year. Will these defaults disappear from my credit report after 6 years, even if they have not been paid? If so, is it likely that the companies will put them back on my credit report for a further 6 years? Thanks
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Need advice - what do I do next please?
I feel rather ashamed to be to be posting here - but I need your help please. I'm a pensioner - who had hoped to work for another couple of years, but sadly the recession has meant that its not been possible to get additional work - and the fact that OH has been diagnosed with early Alzheimers has meant that its not been…
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dont know if im posting in the right place help with debt plz
hi new here for posting although have read lots of interesting things on mckenzie hall the people i need help with. we owe quick quid and the debt has been passed to these monsters the debt was 449.00 and is now 429.00 as i pay 10.00 per week to them, they wont accept any payment plan and say these payments are token…
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can anyone help
my friend got a notice through about a defaulted payment and said a decree has been registered. what is a decree? it doesnt explain many thanks
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my soa
hi can anyone have a quick read over soa? Ive done a joint one but we do keep our finances seperate. Im on a dmp of which i pay 156 to cccs every month. Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number…
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Debt consolidation
Anyone know who I could go to for help with debt consolidation my partner really needs help so he has one payment a month, he will have bad credit as he has missed payments and one debt has gone to the court for a posible ccj. We really just need to get one loan to pay it off so he has one easy payment a month without…
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What next
i had an old cc debt i thought was statued barred unkown to me my wife had made some payments to a dca result its not sb, another dca is now chasing payment i asked for a copy of cca they sent a copy of the application form with a section saying terms and conditions 1974 cc act sign this only if you want to be bound by its…
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Statement of affairs
Hi all, i am a new coming and have final bit the bullet over my dedits as you can see from my soa below things are not rossie. Any advice or help would be very much appreciated, thx [tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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Change Bank Account
Hi, Apologies if this has been asked before but I need some advise on which bank to switch to? Most banks will turn me down as they do a credit check. I am in the process of setting up a DMP with CCCS and just wondered if anyone has changed their bank due to this and if so, which banks should I try? Any suggestions would…
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Getting a NO to my offers from my Creditors
The couple of times I have posted on this forum I have had some great advice, so, I'm hoping to keep that up!! Thank God for this site....... Okay, I have 5 Creditors, 02 Halifax Amex Lloyds Royal Bank of Scotland. I have reached an agreement with Amex, thats a small amount of debt and they are happy to receive my offer.…
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defaults - 'satisfied' or 'settled'?
hi again, if i were to offer full and final offer for say 50% of debt, what would i be best asking for to be placed on credit file - 'satisfied' or 'settled', or any other term if account was defaulted? thanks folks!
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best way for quick credit report
hi just wondering which way is best to get a cheap (if not free!) credit report, no subscription, maybe a free trial if possible, thanks every 1!
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Finally debt free - my next mission!
Am a little bit giddy right now, have just paid off my last £95, am having a celebratory whoopsie dinner lol with some whoopsie beers we got ages ago! I could never ever have done it without this forum. I tend to lurk more than I post, but am always inspired by the posts I read and the people on here. Although for the most…
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Does not happen everyday....
So far had two debts written off within the last few days totalling £2100, all from complaining about the actions of the DCA and OL. hehehehe :j
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think i have totally cocked up....
i have had my account with Simply Be sent over to Reliable collections(same address funny that?!:mad: ) and being a total IDIOT i have agreed to pay installements via a DD facility on my account...it was agreed that currently all i can afford is £50 pm...this is supposed to go out on the 22nd... I have in the post received…
