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Negotiating to get defaults removed?
Is it possible to get banks to remove defaults from your credit file if you agree to settle (assuming the original default was legitimate)?
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Hurrah!!!
Hi chaps I've just celebrated my 32nd birthday and have, until today, been in debt since the age of 18. I peaked at £18k (over 6 credit cards) when I was about 21. I've had bailiffs at my door on more occasions to recall. Credit was easy to come by (I was once given a credit card with a £4k limit despite having a CCJ…
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WRONG WEBSITE - Metropolitan Collection Services - Central Debt Recovery Unit
Dear all, I hope you can help, I have a debt with HSBC which I have been paying off on a monthly basis. Recently my bank details changed and the payments failed to go through. I have received a large number of calls from MCS, all rude and abrupt!! I also received a letter telling me to pay immediately to avoid further…
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F&F offers
Apologies if not in the right part of mse. I sent a full and final letter out to a dca collecting on my loan nearly 5 weeks ago. I have been patient, thinking they were 'getting themselves together' but they have not responded. Not even a letter to say they have received my letters [though not a problem because I sent them…
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How can we escape our debts
We have credit card debts which we are paying £550.00 per month on but the debt is hardly being touched. Approached mortgage lender but they could only offer circa £3000 additional lending due to our credit cards however we wanted about £25000 to pay the cards off and rip them up but they dont take that into account. It…
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Newbie :)
Hi! I hope I have posted this in the right place :) My name is Charley and I am in about £8k worth of debt. I feel rubbish for posting this as I have been reading through posts and some people are in alot worse situations but I could really do with some advice. I have been living with these debts for a while. The usual…
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Judge & Priestley - Advice+ CCA reply
Hello all, I have had the following letter through the post this morning. A couple of things don't add up, mainly that they say CCUK have been in contact recently by way of telephone and letter in order to resolve the matter of the above mentioned unpaid debt - that is not true they don't have my telephone number. If…
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Clearing my credit cards. Help and advice please?
[FONT="]Hi all, [/FONT] [FONT="]Here’s the rub. I have three cards, of which two are 0% until October/November 2010. I have a NatWest card with £4000 on it, at £16.9%. Santander have just given me a CC with a limit of £2500, with 15 months 0%. This is not as much as I had hoped for, as I wanted to balance transfer…
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Its finally done
Morning Not sure how many will remember me, but went through a terrible time (as we all are or have done) about 4 years ago, racked up £27000 of debt, had a few home problems too. Well, it is finally here, as of Tuesday next week I will be free of the debt. The best thing i did was tell the missus (wish I had done it…
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Help please
Hi I went to my old house today and had a letter from a collection agancy ((rossendales) saying I owed £135 in housing benefit. I left my house in March and I have had no correspondance from them. I went into the council offices and told them I was leaving the country, which I did for 3 months. They said I owed nothing and…
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Quick question about bailiff fees
Hi all After doing some more reading around this issue I just thought I would show you all what the breakdown of the fees are and get some thoughts. Penalty Charge Notice - £80 Initial letter - £11.20 Visit fee - £28.00 Attendance fee - £150 VAT £33.15 A total of £302.31 Is it true that they cannot charge an attendance fee…
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Trying to combat my debt - is IVA my only option
Hi guys, Im sure what im about to ask is in no way a new question, and i hope im doing it in the right section? The bottom line is, ive been chased by debt for years, burying my head in the sand, carrying on living a normal life style sustained by credit cards. Its my own fault, grown out of too much access to easy money…
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County Court Jurisdiction????
Can someone please explain to me in plain English :) when I would question this in replying to a county court claim? What does it mean? Thanks in advance
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Default Notices
Hello Hope someone can help?? I am in the process of attempting to have a default removed. I have requested a signed, true and certified copy of a default notice from British Credit Trust. I have received a copy but it is not signed and is a photocopy, is this ok or must they supply a signed copy Hope someone can help :D :)
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Bills in joint names..
Hi all Just put of curiosity, I had bills in my name and 2 old flat mates names a few years back. Will this affect my credit rating if they have bad credit and vice versa? I have a bad credit rating atm, I defaulted and have ccj's against me which if i'm correct stay on for 6 years which is fine but I am now debt free and…
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Bank is going to start charging for overdraft..what to do?
Hi everyone, I'm currently in debt due to going traveling and not being able to find work when I got back. I now have a job! BUT my graduate overdraft ends in July and I am £900 overdrawn, if I am still this much overdrawn in july i will get charged a lot. I did have a Virgin credit card but I made sure that was the first…
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Help Debt company
I've recieved a letter from a company whaich has brought the debt from a bank but this is a debt over 14 years ago and this is the first time anyone has contacted me. The bank never wrote to me about this debt before they sold it to another company. Where do i stand? HELP
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My Spend No Money On Alcohol July Challenge
I'm posting this on here for my own motivation, if anyone feels like joining then feel free. If there is already a challenge like this then point me in the right direction - I'm new (ish) to this!! I spend too much money on alcohol so in July hubby and I are not buying any. We have a few cans in fridge and a bottle of…
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Debt Collection for parking ticket which was not ours
Hello, I hope I am posting in the right section. Yesterday I received a letter from a debt collector (RoxBurghe) stating that they have been passed on a debt from an alledged parking ticket from a private firm (Excel Parking). And I am looking for some advice regarding this. I bit of history about this, the parking ticket…
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Wonderful Wednesday Daily Chat.Pop in & say hi.
Hey up gang:D Wonderful Wednesday today. I am finally credit card debt free. So I am a happy beanie today:D In all honesty I dident think this day would ever come. Congratualations to judi who reached this milestone yesterday:D Last day of yoga today so a celebratey cake m,ay be in order & then airport later to drop…
