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First Step
Hi Guys and girls... I have made the first step finally, I made that call to cccs and trying to sort my life out once and for all, my head is now out of the bucket of sand, and hopefully I can see some sunshine soon. I will update on how I get on with clearing all my debts. This time in a few years, I will be a…
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Is this harrassment??
Hi, I have been under a DMP now for about 15 months with CCCS. Everything has been going fine with most creditors being sympathetic. Until this week!! Lloyds TSB wrote to me saying they had not received their payments and threatened legal action if the full amount wasn't paid immediately. I rang them to explain I was on a…
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Baliff visit warning from court/Hillsden Sec
I've had a Warrant for a baliff visit from my local court for an unpaid debt. This debt is very old, probably over 6 years, well the original debt is but subsequent contact and payments to various DCAs could be over 6 years I'm not sure, can't find any paperwork relating to this account. The debt is with Hillsden Sec.…
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universal debt collection
Hi i'm not sure if this is the right section if not could someone point me in the right direction. I have received a letter from this company telling me that I have an unresolved issue and could I contact them. i'm not aware of any debt that they say i have I was wondering if anyone else have been contacted or had any…
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Settlement figure
Anyone got any advice on try to get a settlement figure from a debt collection agencies (lowell) I can get nearly half of the money of a family memeber but i could do with some advice on getting it, there not co operating by telephone fiona
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Going it alone- DMP
Hi, I have explained in another post that i am in a debt management plan but with a company, purely because cccs and payplan didnt want to help me and just told me to go bankrupt because half of my income is student grants as i am a full time student. i thought this was silly because i work really hard in the evenings and…
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Unsure what to do w/CC debt
Hi there... Sorry if this is a lot of repeat questions - I've had a look around here and it's all a bit overwhelming! Short story - I fell into the common trap of using my Halifax credit card while at uni as a student. Things started going a bit wrong and having been treated appallingly by the Halifax even when I did stand…
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Grrr! CREDIT REPORT! GGRRRrrr!!!
I've just paid £6.99 to view my credit report for the first time in god knows how long, just coz I was pretty sure I had a default already with First Direct and just wanted to check if there was anything else... so I shelled out the £6.99 much to the annoyance of my DFW Angel on my shoulder ... logged in, found all my…
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UK Investment Consultancy
Has anyone heard of the UK Investment Consultancy? They are trying to get me to invest in some land that they have purchased. Has anyone ever heard of them before? I have checked with companies house and they only registered in October 2009. This does not fill me with confidence. I was considering to maybe invest with them…
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I'm only 18 and have over 11K debt, Help! Plz :(
Hi, My name is Fraser and i am 18. As soon as a turned 18 i started to get into debt. I started with credit cards, bank loans, mobile phone contracts then worked upto a car loan and personal loans. I have had my debts less than a year and am really struggling and could use some advice on what to do. I am out of work…
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How long do companies have to change inaccurate data with CRS'a?
As title really guys. I have been having ongoing arguments with robinson way about an inaccurate default on my report. amount is wrong, my details are wrong and the default date changed by 2 years I contacted ICO who are looking into it, but in the meantime i have had a letter from the debt co to state the info they have…
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Fredrickson Int
:( just had a very very rude woman on the phone who said they will call me every day! She did not want to listen when I said I was on a DMP with CCCS..... Hope she has a lovely day she obviously has job statisfaction being rude to people. I suppose I'm lucky that she is first rude debt collector I've spoken to since being…
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House equity is large - but unsecured debts
Outstanding mortgage is £130K but house is worth £230K. We were lucky to buy at the right time and lucky to have a really good tracker mortgage. Outstanding credit cards debts are just under £20K. All of them on low rate (max 6.9%). Every month we;re paying a bit more than the minimum payments and paying around £550 a…
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mbna Credit Cards
hi i wonder if anyone could shed some light over here, i have 3 yes 3 mbna credit cards no1 £8000 no 2 £6000 no3 £400 2yr ago i defaulted on them and now we have a payment plan on them card no1 £115 per month card no2 £100 per month and card no3 £20 per month i have payed these sums with no problems for the last 2yrs at…
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How bad is this looking?
Guys, I got 3 defaults, but all settled. No CCJ. Would another bank open bank account for me? Would I get mobile on contract? Planning to become self employed - do I stand a chance for business bank account? I wish I had never been young and dumb :( Thanks, Rob
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Confused, Solicitors or not, & do I respond to them
HI, I have had a letter form Green & Co, who they say are acting on behalf of Triton Credit Services who in turn were instructed by The Royal Bank of Scotland. They are saying a have 7 days to pay my full liability of face court action. It seems that Green & Co are The Royal Bank of Scotland. So now I am confused on a…
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MBNA/Charging order
My husband and myself both have MBNA credit cards which both have approx 10,000 outstanding on them. We have been doing a DMP for the past 6 or so months (which MBNA haven't accepted, but put us on a hardship account which froze the interest). I have now agreed a settlement with them for my account of just 2,800 which is…
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The Ultimate Inspiration Pool - Help After Debt-Free Trips & Stumbles.
Hey all. Urrrrgh! Its been SO long since I posted on here. I'm sorry I was away for so long!!! My reason for posting is that I was looking for motivation & inspiration the other day and thought others might be too. Firstly here is a catch-up and a bit of background - sorry if it's long! Up until November 09, I was on here…
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CCCS or Payplan?
Hello, Which company would you use and why? I have to make my mind up by this evening.... Also would anyone know if you have to release equity in your house if you have an IVA? I wanted to do an IVA as a DMP will take 19yrs and 9mths to pay and I will be over 60 by then!! I will not sell my house which is jointly owned…
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CCJ Issue
Hi all, Sorry I have tried searching but dont seem to be able to find the answer I am looking for. Basically In trying to sort my life out, I have come across 2 CCJ's on my credit file. I would like to look into settling these but dont know where/how to approach who I should set up a payment agreement with. Can anybody…
