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Is anyone an expert on defaults???
Hi, I would be grateful for some advice from anyone who knows a bit about the defaults process. I have been on a DMP since 2004. One of my creditors (an Intelligent Finance loan) was accepting my monthly reduced payments but I later found out that they were still adding charges and interest, hence the balance was hardly…
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unsure where to turn next!
Hi there, Not too sure how to start this thread off so I'm just going to dive straight in. I am in debt, probably about £5000 of debt, should be less than this by now though to be honest. I started a DMP plan with the CCCS in July last year. My creditors are argos card, littlewoods catalogue, next directory, mutual…
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Urgent help needed please.
I feel like crying:(. Will try to keep this brief. Partner and i have several debts, some in his name and some in my name. My debts are now under control and am paying small monthly payments to creditors. Partners debts are larger and he stopped paying these about 9 months ago. Most he has arranged new payment plans with…
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2 years on, debt still not mine!
I wondered if someone would be able to assist me please? 2 years ago, I received a letter from SRJ Debt Recoveries informing me I owed £850 to Grattan. I didn't, as I have never had an account with Grattan before. I wrote the standard "prove it" letter, 1 week later they wrote back informing me that the "file is no longer…
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Natwest threatening urgent letter!!!
I just recieved a letter from the bank demanding that I hand in my bank card and cheque book to them in the next 7 business days or legal action will be taken against me. This is due to, I believe my past gambling transactions that taken me over my overdraft. However, I have not done this for a while, but I had a recent…
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can a debt be wiped in no contact in 3 years?
hello, i have a debt with a major credit card company, the debt was getting the better of me as i had many other debts, in the end i took the hit and set up a reduced payment plan, this i was told put a bad score on my credit file for 6 years, the reduced plan was in place however they never asked my for the payments and…
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Advice? Ex, debt and mortgage :-/
Hi. Have gone through a statement of affairs with CCCS - I have been having personal debt problems recently which have been compounded by my ex partner choosing to stop paying her half of our joint mortgage. I am now having to pay her share. My priority debts/expenditure comes to approx £1300 (mortgage, car, tax,…
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Sorry to mention the C word but how much..
do you budget for Christmas? Sorry to mention the C word so early on in the year, but if Tesco's can start selling selection boxes this early, I can talk about it ;) I just wondered how much you budget for Christmas? Being a single person with no children I appreciate I have different circumstances, but I find it scary…
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Thanks for your help not out of woods yet
I took the advice that people gave to me yesterday and have reported my bank card stolen:o. I wait now in anticipation if all my wages will be wiped out on Monday with payday loans going out or have they been blocked. Cant get at my money till new bank card turns up, have set up new bank account with Co-op, I put my SOA on…
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Sat 18th/Sun 19th September - what small DFW things are you doing this weekend??!
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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We need some advice!
I didn't know where to post this exactly, so if this is the wrong place...sorry... Anyway. I am crying my eyes out because i just realized that we are so screwed (sorry for the expression). But few months ago, my partner had to take advance from his employer, which means he get less now for few months. So we could move…
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**Weekend Chat Thread 18/19th Sep Day 7 of the challenge!
Todays task is really really simple:j Take action Immediately Take Action Everyday!! Do one thing that will move you closer to your most urgent priority. Now I am off to catch up on yesterdays thread and answer some questions.
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Really struggling :-(
Hi all, I posted on here in Spring (cant find the post though!) and I just thought id update you. I started a DMP through the cccs in Feb, and my DFD was 6 years from then. My back story is all too familiar (redundancy, new house, child) and after some drastic changes, life started to get back on track. I had to sell my…
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Orange Home Services - Arrrgh!!!
Just got off the phone today with the collections department of Orange Home at Rotherham and I'm really not happy (again!) Here's the story - back in February 2009 I was an Orange home customer - I got my broadband, landline and mobile from them. I called their move house team and informed them I was moving into my new…
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Charging Order Help
Some advice on charging orders needed pls. My brother jointly owns a house with my cousin. To cut a long story short the cousin disappeared having not paid the mortgage or the secured loan. My brother has been paying both of these, and all the other household bills, ever since, (3 years). A company called Cabot have…
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Dealing with Payday Loan Companies
Hi All I thought I would create a post on this topic as its something that seems to come up a lot and may save me posting the same thing and be useful for others to refer to too and add to at the same time. BTW I'm not advocating debt avoidance here for the 'Won't Pays' of this world. This advice is intended as advice on…
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DEFAULTS - SIX YEARS OLD DEBTS - do i 'let them go'?
I have 5 defaults on my experian report, around £10,000 total. They will i believe disapear from my record after 6 years which is only a few months away. My question is, that i am probably going to let these debts 'vanish' from my records. Does this really mean i would be as credit worthy as I would then appear on my…
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Charging order and harrassment for payment after judgement?
I'll cut this story short, expand if needed. It concerns a friend who has some mental problems who signed up for double glazing while in a disturbed mental state (manic) and couldn't pay for them, in fact wasn't ever likely to be able to living on benefits. Questionable saleman. This went to county court at least 3 times,…
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Halifax credit card warning!!!!
I thought all who are attempting to manage their debts, should be made aware of this major issue: My wife and I contacted the Halifax Collections Department (on advice from Halifax customer services), via letter to explain that we could not afford future repayments on our large credit card debt. We included a budget sheet…
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Brighthouse - what if?
My pal Mrs B pays out over £80 a week to this company, she is desperately short of money, robbing Peter scenario. I know this is different to normal credit aggreements, but can you enter a Debt relief order without goods being taken back?
