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I'm back... Ashamed and scared.
I can't believe my last visit to this site was January this year. I was doing so well with my debt, I'd got a grip on my overdraft, I'd paid off my credit cards and was paying off my Lloyds TSB loan. Unfortunately since before Christmas, I've totally gone off the rails. My loan payments are being met every month and I'm…
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Will DMP be cancelled?
Hi Im currently working my way through all my debt and attempting to sort it out! I have a DMP with B&E which I do plan to cancel and go with one of the free DMP companies. However, I have been really REALLY stupid and got into trouble with payday loans after a period of sickness of work. Will B&E add these to my DMP if I…
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Credit Score Help!
Hi This is my first post so sorry if its in the wrong place! I have been ignoring my debts for a very very long time, and have finally plucked up the courage to deal with them properly. I got a copy of my credit report from experian, which shows all my loans etc. The are al listed as defaulted or settled, all defaulted and…
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Full and Final advice pls
Hello, We've got a fair bit of debt - cards/overdrafts that got all too much when OH got made redundant over a year ago. We're trying to get straight but it's a very long haul. Currently we now owe between us about £60k unsecured. Some has been sold onto DCAS (I reckon half of it has). I'm constantly keeping the creditors…
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Natwest closed my account and can not find me in their computer
I have a debt in Natwest around 1500 pounds that is 3 years old. Now i live abroad and trying to pay it back. But the problem is ,Natwest dont replay on my letters,I phoned them and they can not find my account in their computer.I contacted Triton debt agency that deals with Natwest customers ,and manager said to look at…
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How long will a default be on credit file?
Sorry if this is the wrong place but i am at my wits end. I went for a mortgage application as my gf and i are having a baby and need to get somewhere. My credit file was fine but GFs is bad, 3 defaults due to various reasons, all outstanding debt and she is in a debt management system. if, between us, we clear the…
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In some trouble!!
Hi All, Need some guidance please, i have been trying to find the SOA thread but cant find it, so here goes. My wife and i have been on a series of fertility treatments to have children, sadly none of them worked to full pergnancy term however this has left us with a massive debt, we owed a little before this but nothing…
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for those coping with secret debt
Good Morning A couple of weeks ago i posted to say that after many many years of keeping my debt secret from my husband i finally told him the truth. I got to the point where i could'nt cope with it any more and inspired by another poster on here i finally saw the light. Apart from my creditors, the only place in the world…
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Grattan
Grattan sorry if this is posted in the wrong place. i'm new! I am having some problems with Grattan, I had an account with them some time ago and moved house, sent them a letter to change my address, heard nothing, repeated this 2 more times...still nothing, i checked my credit file to find a default from a company called…
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Hi! Q about DMP and Bank of Scotland
I haven't been on here for sooo long and am back with my tail between my legs for some advice from you helpful bunch! Well, I've been on my DMP for about 18 months now and it's going pretty well. Money issues aren't narly so bad for us now, we have no rent or council tax arrears for the first time in a long time and on the…
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How long does a company have to chase a debt?
Hi there! Wasn't sure where to post this, so I opted for here! A phone company have just got in touch - I estimate around 3yrs after the event, maybe longer - threatening legal action for an unpaid bill. This was in disupte at the time, I thought that they had agreed that I did not owe them any money as they never chased…
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I was sooooo worried last night
When I arrived home last night I found a hand delivered letter to someone who doesn't live with me. Since I couldn't return it to sender like normal, i opened it (please don't have a go at me for this, I'm so glad I did) It was a letter from the court saying there was a warrant for this guy's arrest for an unpaid court…
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help with my dilema
I wasnt sure whether to put this post with tax credits help or here hopefully someone here can give me advice with my dilema I renewed my tax credits and was told what my weekley payments would be for this year .Last year they where £100 per week ,this year they will be £150 per week .I thought that seems alot more than…
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Yey - some good news
Hi All, Had my LBM about a week ago when I sorted mine and my partners finances and realised we were in 36k debt. Last week was a really bad week, I think I was in shock but I was really low and just wanted to run away and if it hadn't been for you guys on here I probably would of!!! So I wanted to report some good news,…
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Hot Tuesday 25th chat thread
Thought i would start chat this morning, been up since 6.15 and practically every hour through the night, watching the clock, bens got his first 2 exams this morning and i was worried i'd sleep late and he would miss the bus, I'm absolutly shattered. Got on with loads though so can't complain, the boys brought their wash…
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Help - Default Notice o my account but never received any paperwork
Hello, I have checked my credit report and I have a default notice served on my account in May 09 but I have never received any paperwork. I moved house 18 months ago. The loan agency wrote to me in April 09 at my new address, after a long written correspondance in which I set out fact that I never agreed to PPI etc on my…
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Tues 25th May - 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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Debt not on Credit Report
So, got hold of Experian and Equifax credit reports, came today, awaiting call credit one. All debts I know of are on there, apart from one. Have two natwest debts, a loan and overdraft, though I had defaulted on them both, but the loan has been marked as in arrears, not default. The overdraft doesnt appear on either…
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Fredpay/fredrickson international
Hi (hope this is the right topic to post this under!) I had a a £2000 debt with this company which is due to be paid off next month:j with some £20 remaining. they currently take it off direct debit for £50 per month. Does anyone know whether they will usually contact me with regard to this or whether i need to cancel it…
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Using Savings to pay off debt - but which debt first?
Hello, I'm hoping someone can help me. I've got some savings that I would like to use it to pay off some debts but I'm not sure what debts to pay off first?? I have the following Credit Card A 0% til November Balance £3k+ Credit Card B 0% til March Balance £1k+ Bank Loan will be paid off in Jan 2011 Approx £2k owing I have…
