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Will a 5 year old default impact on me getting a mortgage?
Hi there. I am just wondering if I could get an opinion on how a five year old default for £1700 will have on me getting a mortgage. I actually had 4 defaults from the same period and have managed to get three of them removed using verious methods that have been discussed in these pages. I would also say that I have nt…
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Odd Phone Call
Just had a weird phonecall of some Scottish guy who was quite shadey with the information he was willing to give. He ask for me by name and said he was phoning on behalf of Barclays but his telephone manner wasnt very professional to say the least. So after googling his phone number and doing a little research on-line it…
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Additions direct
Just a heads up additions direct is very easy on its credit scoring, someone I know got it even with defaults and owing their other group money!
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Rossendales Bailiffs, can he still call?
Hi All, I'm new to this forum, in the hope that someone could help us (myself and my mum), and I'm writing on behalf of her. Yesterday we had a knock at the door, I was the only one in as mum was working, and I was handed over a letter to give to her. When mum got back, after opening it, it was a notice from Rossendale…
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Trapped with credit card debt
Hi All I write on behalf of my father. He's got approximately £7500 of credit card debt spread accross three different cards. Needless to say, he's paying an extortionate amount of interest - only being able to meet the minimum payments (£190 monthly). His credit rating is excellent, HOWEVER his income is only £6000 per…
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Benefit to paying default on credit file
Hi, I hope someone could clarify for me the benefit of paying off a default once it has been added to the credit file. I have been planning on paying off some defaults on my file, either in full or with full and final settlements. After reading a few sites, I am unsure if this will even benefit my credit rating, as the…
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Westcott Credit Services phoning me at work!
Hi, got a question that hopefully someone will be able to advise on. I defaulted on a Tesco CC nearly 2 years ago. The debt was passed first to Triton (awful bunch) who demanded I pay in full or nothing, which I obviously couldn't. It then went to Newman DCA who I agreed monthly payments with. Recently I made a settlement…
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Please help I'm sat here in tears! :-(
Hi all I'm not sure where else to turn I need some advise. I received a parking ticket and stupidly ignored it and now it's been passed to debt collectors. They say we agreed a payment plan and I defaulted on. I have not agreed anything with them as I couldn't afford what they were suggesting. But same a payment towards it…
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DMP, f&f offers and creditors questions...
Hi we have been on our dmp for 11months now, we have debts with the following companies: Natwest (overdraft), A&L inhouse debt recovery, Barclaycard, Cabot finance(was egg c/card), Egg Loan, Clarity debt collections (was citicard), MBNA x2 (c/cards), Natwest loan, Northern rock loan (part of a together mortgage),…
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Dilemma - let Girlfriend's parents pay off loan?
Ok, well I'll set the scene of how I ended up with the loan, and why I am having difficulty repaying. I studied at University and achieved a first class honours degree. On applying for jobs and going to interviews I wasn't having much success, whether I applied for jobs related to my qualifications that paid over £25k a…
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Need to start somewhere...how about here?!
How things change.....This time in 2004, i was sitting debt free, with £12,000 in my savings account and owned a 1 year Focus ST outright. Due to 2 disasterous relationships - which made me depressed between then and 2006 i have amounted some serious debt (having a good time with not much to show for it) which is making me…
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SAR seems incomplete!
Hi, I have submitted a SAR to a debt management company that I have finished a five year agreement with as I have issues with the way they have dealt with my accounts. I have received there response but it appears to be, in my opinion, lacking in information. All they have sent me is a print out of their computerised…
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CCA request: Capital One
Hi, I have a been paying token payments on a Capital One debt for 10+ years now (after suffering from cancer and being unable to return to work). They refused to accept my Statement of finances a few weeks unless I produced copies of bank accounts etc. When I refused to do so they sent me a Default Notice and passed debt…
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baliff coming!!
Hey all. just need to ask a quick question. last week i had a baliff come to my mums house, where im currently living. i didnt let him in and told him it was my mums house. he left me with a letter which said that if i paid £95 off the £411 bill, i could pay by installments. i rang him and he is coming tomorrow for the £95…
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Advice for clearing debts
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statute barred +doorstep collectors
Hi, looking for some advice please. About five months ago i started to receive letters from a company called Aktiv Kapital saying i owed just over 1612.00 (sorry, pound sign doesn't work!). According to this letter the money was to their client - First National Tricity Finance ltd., I had no recollection of owing this…
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selling to rent and pay debt-advice please?
Any advice welcome please.. Husband and i have a difficult decision to make with regard to our debt. We live in a 2 bed flat and 2nd baby on the way, enough room for now but we are running out rapidly. We currently have a debt of roughly £30000 and have a DMP with CCCS. If we sold the flat, next doors has just gone and…
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Moorecroft Debt Recovery Question
We're in the process of doing our own DMP and coming away from the CCCS. My husbands new job after being made redundant now pays on the 26th and making the payments to the CCCS on the 1st is coming increasingly difficult. I have contacted all our creditors and they are more then happy to receive the monthly payments from…
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My Updated SOA - Still struggling
Hi I still been trying to manage, this month is a tough one, my car tax for six months has gone up from £104 to £112. I cant change my car to make it cheaper as its 17 yr old Mx5 and its a 1.6. I dont go out, last weekend was my first night out since november and I spent £25, came back with £15 which has gone in piggy bank…
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Scottcall Question
Scotcall are bugging me to pay my CC debt. I have been shredding the letters and burying my head in the sand about it as I had more important issues to sort like rent etc. Amount owed £536.10p, when I sort out a payment arrangement will it all come off my debt or will they add interest ? Thankyou :(
