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DFH & ex Parnter defaulting
Hi There Just a quick search for advice, I am recently divorced and my (ex) wife and I had a reasonable split, we had accumilated somewhere in the region of £25.000 in debt owed to N.west HSBC etc, I did everything the divorce and sorting out the debt stuff, I went to DFH and though I have read some horror stories (long…
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Hi all, Need advice
Morning All, I have just posted this in the get help from a CCCS advisor topic but i wanted to get everyone elses view on it aswell. Il try and cover all the bases so you know the situation I have. First off, I'm a complete and utter newbie in terms of debt and would like to point out its not me that is actually in debt…
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partially satisfied debt???
hi just looking for advice. I got a debt with natwest of around £1200 that defaulted in 2008 i got in touch with natwest to pay it off and they past me to triton who asked me to make them a offer. I made them a offer of £450 to clear the debt off my record and they said they would put it as "partially satisfied" and that…
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Leaving UK debt - Emigration
I have emigrated to australia and have been unable to find a job. My boyfriend has been supporting me. Does anyone know can UK companies chase me for my debts in australia - I only have a PO box here? The debts are £4k, £3k, £1K and £250? to various companies. I have no intention of returning to the UK. I feel I have no…
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Advice needed re Court Hearing
Hi, We are new to this site and wondered whether anyone could give us some advice regarding a redetermination hearing. We have been on a DMP with Payplan for the last 12 months and never missed a payment. One of our creditors MBNA passed the debt on to Optima Legal who in turn took legal proceedings. A hearing took place…
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Need advice on two scenarios..
Not sure if this is the best sub-forum but as its about money, i thought why not....... I have 2 issues! Issue 12 weeks ago my dad died of cancer. We wernt very close and often argued. I have a younger step sister (24) who he was very close to, me and him were never close (im older) I live in manchester, he has lived in…
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###Oh no it's chat on the 13th ### (but not a Friday!!)
Hi All Hope you have a lovely day. The sun is shining here and the wasps are flitting in and out of their home on the balcony (Your days are numbered my little buzzy friends :D ) No job offer, no interview letter on the mat last night :( BUT a letter from the university with an unconditional offer of 1 year on their…
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Tuesday 13th July - 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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Can you pay full and final settlement
on a credit card?? I have finally come clean to hubby about my debt amounting to almost 15K, the biggest one is a loan at 10k and the debt agency have offered a 3k full and final settlement. Hubby would rather put it on his credit card and i pay him rather then me being chased. Anyone no if it can be done or is it just…
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Have just sent out letters about token payments - what can I expect from my lenders??
It's a couple of months since me and my OH discussed calling a halt to the credit merry-go-round we're on... Because of Nationwide completely messing up our application for a new account with them and wasting at least 6 weeks of our time, we've now successfully opened one with NatWest. So we updated our budget and sent out…
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Debt collection agency for mistake caused by company - Am i liable?
Hi there, I'm just looking for some advice on a mobile broadband i took out with carphone warehouse in april time. It was an offer i seen in the shop for mobile broadband with 02 for free for the first 3 months then £15 after that for 18 months. When i signed up they told me i would not recieve a bill for the first 3…
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CCA sent and letters and fees returned what do i do now
Hi I have 3 outstanding debts from time with my ex i have CCA all of them and this is what i have back any advice as to what to do now All Requests sent on 25th June 2010 CCS - Sent back hand written note saying they do not have the facilty to send me the documents required (original CCA signed approx 17yrs ago) Cabot -…
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F&F Offer: 2 accounts with same company
Hi all! Had a rough few weeks so haven't been on much but I've really missed you all. Good to be back! :j So I've managed to stash a bit of money away aside from my DMP and I want to make a F&F settlement to make it go further. I've approached 2 of my creditors and so far had no takers. The only company left now with a…
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debt collecting agencies
hello people can anyone advise me? I had a letter from a debt collecter about two months ago and have recently received another asking me to pay a debt for a computer I bought in about 2004/5. I thought this was paid off. It is possible it wasn't i really dont know. (because i have payed scant regard to my finances in the…
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Experian/Equifax
What a rigmarole I am having !! I am a member of both experian and equifax and checked my credit report and scores on both online. I became a member of experian first and initially when I joined my score was in the very poor category as I had a default notice made in 2005/6 when I was going through my divorce. Anyway I owe…
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Past Due Credit Solutions
Hi, I came home from work today to find a letter from this company had been sent to me. They had my full name and current address. A 'case number' was quoted at the top of the letter. It said "I would be grateful if you could contact me on 0844 559 8349 regarding an important matter" and gave office hours that I could call…
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Pastdue Credit Solutions
Hi, I came home from work today to find a letter from this company had been sent to me. They had my full name and current address. A 'case number' was quoted at the top of the letter. It said "I would be grateful if you could contact me on 0844 559 8349 regarding an important matter" and gave office hours that I could call…
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Intrum Justitia - interest charges on account?
I have an old Barclaycard debt that was taken on by Intrum Justitia. When they originally contacted me I made a couple of £100 a month payments but was unable to continue so stopped paying (without notifying them). Several months later (can't remember the exact timings) they got back in touch and as my situation was better…
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what is my best option
Hi there I am an australian living in the UK on an ancestry visa. I have been here for a year so far and plan to be here for atleast 4 more. The problem I have is I have an outstanding credit card account back in aus for the equivelent of £3500 which I am having problems making payments on. I have a few debts eqating to…
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DWP Overpayment
My wife has received a letter from DWP Debt management about an overpayment for Carer's Allowance which she owes which dates back to January - March 2002. The letter is asking her to pay back the money immediately and giving her the option to contact them to discuss repayment terms. The letter ends in: What happens next If…
