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Just taken the first step!
I have been flirting about these boards for a few months, I knew the situation was coming where we wouldn't be able to meet the minimum monthly repayments on our credit cards, but kept putting it off, hoping something would happen! The only thing that happened was the inevitable, a ban on overtime at work meant my wages…
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Statued barred
Please could you tell me when is a debt statued barred? what letter do you send with out making it unbarred my friend has one debt which is 8 years old NO cj last payment around 8 years ago but thinks he spoke by phone 5 years ago to one of the dca any ideas folks. He is now getting letters from different dca etc we sent…
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Telegrams advise
I as some of you know are helping my friend with his dmp , today he had a call from a firm called telegrams ODD as he has gone ex directory. They said they wanted him to confirm his address as they had a letter for him if he was the said person. He would not confirm it so they said we will just call your neighbours and get…
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Very Rude Bailiff
Hi all, I had a Bailiff Removal letter posted through my door yesterday along with a Form 7 Notice of Seizure and Inventory of Goods regarding a £290.43 unpaid Council Tax Bill. I contacted the Bailiff who as very rude and aggressive and agreed to pay the amount in full by Wednesday 22nd September. What happens if I am…
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Aqua Card Debt
I have offered Aqua a repayment sum(token) towards my debt, sent in my expenditure list, they have replied saying they cannot set up any repayment plan until they receive proof of income and a list of creditors, balances and how much i am paying them. Do I need to provide this info, and if not what should I tell them?(in…
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can someone point me to the 'prove it' letter tenplates..
got a nasty letter from mackenzie hall, supposedly about an hbos c/card account, that was closed ages ago! cheers.
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Help needed again please!!! re court letters
Hi folks, Coud do with peoples invaluable advise again please. I have previousley written on here with regards to some major debts my husband has. Just to recap: charging order (restriction) on joint mortgage , debt in husbands name for approx 24k. House is valued at a guess approx 80/90k in todays market. SA tax debt at…
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someone else's debt collectors
Hi all, Not sure where to post this. We've lived in this house for nearly two years now, and we are still getting mail for previous occupiers. We always cross out the address and write "return to sender not known at this address". And have in the last few months also put a note stating that they've not lived at this…
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Almost Debt Free > Dealing with poor credit
Hi all, First time posting on this site but have used it as a information resource for a long time now. As of this time last year me and my partner decided to finally start taking our finances seriously. We are both 24 years old but have lived together in a few houses for almost 6 years. We have moved around a lot due to…
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DMP Questions
Hi All, Sorry to be a pain to you all but very nervous about this so please bear with me. I have a lot of debt. £47k to be exact. I am due to sell my house shortly and move back in with parents. Doing this i will have an extra £150 a month for debt which still leaves us with 4 years to clear debts but as i am currently…
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10 yr old credit card debt, statute barred?
Hi, my partner recieved a letter from Aktiv Kapital asking for a debt to be paid from 10-11 yrs ago for £2200 when she was with a previous partner. The letter arrived at an address we have been living at for just over a year. There has been no contact of any sort between herself and Barclays,( who Aktiv Kapital say the…
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HSBC not honouring CapQuests statements - please help!
Could anyone please offer some advise....... My HSBC cc debt was taken over by Capquest a couple of years ago. The balance was around £11k (£10k of spend, £1k of fees from HSBC). Each month I made the payments to Capquest, and last October I was send a statement saying the balance was c. £7k and if I wanted to pay it off…
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Help needed please!!
Hi all, I am in serious need of help, I dont know where to turn to. I currently have a £4000 overdraft that I constantly live in, I also have debts on store cards upto £800 however you will be glad to know these cards have all been cut up now! I live with my partner and we have a mortgaged house, we each pay a set amount…
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How do i word my letter
Hi, I am really sorry if this has already been covered. Im not sure what type of letter you would call it and have tried the search bit to no avail. I have got myself in a bit of a pickle with debt, ok its been going on a long time, but its finally out in the open with regards my husband (he wasnt aware just how much) So,…
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Help needed with Debt Collecting Agency
I am having problems with a company called DRS, i have a payday loan with them and hit hard times when my husbands hours where cut at work. I wrote to them to offer them £5.00 a week until i could clear the balance, they keep writing to me asking to see bank statements and wage slips etc. I have paid them every week…
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Council Tax bailifs help
Hi im writing this on behalf of my mum who is isnt the greatest when it comes to computers and Internet. My mum lost her job a couple of years ago and has spent 2 years unemployed and battled and battled to save her house. She finally got some work and is working in a minimum wage job for an employment agency ( although…
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cant cope with it all-life is so hard
me and my sister have lived together for over 6 months.we both had our own places but needed to save money so we decided to live together. our letting agent visited the flat and becuase of the mould they have decided not to renew our contract. we have known that we have to move out by Oct 20 for over a month now and only…
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Debt Management Plans
Hello everyone, Although an observer of the forum for many years, this is my first post and I have a couple of questions, that I could do with a spot of advice with. Little background - been living outwith my means for three years now(mainly because of starting my own business but also my own stupidity) and have managed to…
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Aktiv Capital Default Notice
I had a letter from Aktiv Capital. I sent the prove it letter to which I got a reply saying that the account is on hold. In the meantime Aktiv Capital have added a Default Notice onto my credit file. The old default from Egg was removed a couple of months ago. Can they add the Default if the account is on hold? Thanks in…
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**Daily Chat Thread 14th Sep 2010** Day Two!!!
Okay so you all thought about your goals yesterday. All you need to do today is write them down! But write them down in the present tense. If your goal was to lose weight then think of what weight you would like to be and write it down as if you have already achieved it. Mine would be 1. I am nine stone 2. I earn £35,000…
