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Debt collectors
I have just taken control of my finances, after using dfh and paying them to pay my creditors! Took me long enough to work out that was money down the drain, but the light has come on. All my creditors were very helpful except Robinson way ltd debt collectors. They refused to accept the payment I offered, despite it being…
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Removal of Default from My Credit Rating
Hi Guys, Hope you can help, as I am at I am in a very confused state! In my younger years I had a credit card which i used to the max which my bank cancelled (eventually!). Following some communication from them i repayed the balance (or what I thought was all) and thought no more of it. Now I am trying to apply for a…
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Husband at work earning money, wife at home with babies spending money
:( Hi I am new to this site and have been reading all the threads with their useful responses. My 'problem' is that having recently become the proud father of twins, I am out at work doing more hours than ever and not spending hardly anything each day. However everyday there are switch payments made whether it is to asda,…
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Help regarding Triton/Tesco card
My partner has a Tesco master card with a limit of £3500.00 which is over limit by £365.00 , she ignored it for a while but has now been contacted by Triton collections who will only take £650.00 per month or it goes to court and will hear of no other offer , now , the debt was at our old address which we moved from 6…
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~October Make £10 a day challenge ~ 3rd Year Running!!
Hello to all newbies and regulars and welcome to another £10 a day challenge. :hello: This challenge first started in September 2007, so this will be the 37th Month this challenge has been going. So thanks Batgirl for starting it and Purpleroses, JesaRose, Sweetpeas and MizMir,who also keep the thread going. :j I know this…
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Payday Loan Advice
Hi all, I have a mountain of debt but until now had been paying all my minimum payments and rolling over payday loans but I have finally had my lightbulb moment and realised that I can't go on like this. I met with my local citizens advice office and they have directed me to CCCS who I am contacting today but in the…
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***Thank Crunchie its Friday 24th sep chat!**
Right I have a day off...well I say a day off, I am minding my grandson on very little sleep! OH has to go for an MRI today and another colonoscopy tomorrow. I really really need to sort my house out and try to get myself organised this weekend so that next weeks school runs go a little bit smoother. And I might ebay a…
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info needed
morning all i just need a bit of info regarding my creditors i was layed off from my job at the end of march five days later i had an heart attack i am now feeling great and ready to return to work financialy i was left in a right mess 28k to be exact so took advice from cab they were very helpfull i am paying 11 creditors…
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MBNA persistant phone calls - help please
Hi, can anyone please advise me how to get MBNA/GLOBAL VANTAGE/AEGIS to STOP calling my landline and mobile, there is a payment plan in place and still I am receiving calls. Would telling them that they have dialled the wrong number help? I have written letter using template form site (thank you all) advising to contact me…
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Rock bottom and desperate...
We're currently on a DMP with the CCCS and it's not looking good for us being able to meet our current monthly payment due next week. Since starting out on our DMP it's caused constant rows as my OH feels he's working for nothing. I'm not working as I'm on ESA so there's not much I can do at present. I'm at my wits end. I…
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Friday 24th September - What small DFW things will you be doing 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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Court Fine
I had 12 months to pay £1,300 court fine for a conviction of a crime I did not commit and there are 5 left. I cannot pay unless I go without eating. My total income is £40 per week, I live alone in a rural area and the closest shop is 7 miles away. I do not own anything except my bed and bedside table. Other things I have…
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British Gas problems
I'm hoping someone can offer some advice about a problem I'm having with British Gas. It's quite complicated but if I'll try and keep to the events. Both my husband and I are disabled, he's in receipt of DLA and ESA and I get Carer's Allowance for him. We moved into an adapted property on the 27st November last year and…
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New & a bit shocked!
Have finally sat down and worked out how much I actually owe. Haven't quite worked out my budget completely yet, thats the agenda for tomorrow! Starting to feel I've had a productive week off! I know already I can/should pay off more each month of my debts and know that I haven't been as I've been ignoring how much I've…
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HELP With Transferring Debt From Credit Cards
Hi, I’m new to the forum and having spent a while looking around I think a lot of people on here are fantastic at helping and reassuring people in trouble. My issue is that I have 6 credit cards with a total debt of £10,800 I started out with them all on 0% deals and over the past 3 years I have transferred to a different…
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Will this work to get me out of debt??? all advise welcome!!
Hi, I am in a lot of credit card and Loan debt and my credit rating has been ruined!! I have searched lots of companies that can help and I think I have found one....DEBT STOP DIRECT. Has anyone heard of them???? I will repay back all the money that I owe as they will freeze the interest. The catch is that they charge a…
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Finding out what I owe and to who....
I need some help. I have outstanding debt mounting up to about 20k...the problem I have is that it has dragged on for MANY years and I dont know what I owe and to whom. Ive moved houses about 4 times in the past 3 years and I have documents relating to outstanding debt, but some of it has been passed from credit agency to…
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Another query on F&F offers
Just a quick question has anyone else done f&f offers that have a dmp with cccs and have done it the way that cccs has suggested in their settlement pack and how have they faired, its just on here the suggestions are different for example starting at a % and working up to total amount you have, they get you to do a sum…
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Token Payment Letter... is this ok?
Hi All, Spoke to Payplan last night and we're now in the process of ditching debtline. Payplan have advised us to write to the creditors offering a token payment while the transition happens. This is what i've written... [FONT="]As you are aware I am currently working with Debtline to manage my debts. I am however…
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Default Removal
i am new to this forum business :doh:and was hoping someone could help me! i have recently began the long road to improving my credit rating, i have a default on my credit file and as they only stay on a credit file for 6years it is due to come off in november, i was wondering if someone could advise me on how this will…
