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bailiff phoned me yesterday
hi thank you for taking time to read this i had a phone call yesterday from a bailiff who i had never spoken too be 4 he told me i had 1 years of council tax outstanding and it was from 2007 i told him that i had been out of work and thats why i didnt pay it but i was back in work now and i could set up a payment plan with…
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Tuesday 15th Sept - 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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I can't cope anymore - debts rising very fast!!
Hi everybody, I'm in desperation and I need help. I lost my job 3 years ago due to ill health and depression. At that time I had no debts at all. Since I've been at home I have run up about £18,000 in 3 years. This has been because I have 3 children, a mortgage, car and to be honest a gambling problem. I owe My Dad £8,500…
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Unsecured loan for poor credit
Hi all, I'm looking for an unsecured loan of £18k to consolidate my loans/cards etc. I have a poor credit rating though. Could anyone advise the best company to go to to avoid going down the refusal spiral please?
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Credit Card payments
Hi, all At the moment (crossed fingers) I'm coasting along. I live alone so naturally my needs are less than those of a family. However, I do have credit card balance of around £2000. I'm paying the minimum monthly payment plus around £20-30 a month when I'm able to. I use the card to pay for flights to family in Europe. I…
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Desperately panicking - debt collection
Hi folks, Apologies if this isn't the best place to put this, but I wasn't really sure where it should go. I'm nearly in tears after coming home from a great day to find a letter from a debt collection agency - Walker Love. They are looking to collect £834 from me plus 10% surcharge for "outstanding council tax". I…
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Considering defaulting on Time Share mortgage - HELP!
Hi, this is my first post, I browse the site all the time but I need a bit of advice so just registered… I’ve stupidly signed up to a Time Share in the USA, and have since discovered that it was a bad idea L It all seems sush a good one when you are on holiday and relaxed… The cost of the time share was about £5000, or…
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Closing a Current Account
Hi, Can anybody help please? I am nearing making full and final settlements and entrying into into a debit management plan with those who dont accept. I was advised by Payplan to switch bank accounts as my current account is with a bank I owe money to via a credit card and loan. After setting up new accounts and…
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I am in serious debt and need serious help!
Hi, I have been trying to get out of my credit cards for years now, and paying the minimum has got me to a point where I am now unable to live...Can anyone suggest some useful help? Thanks Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . .…
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Where's my debt gone?
Hi, can any one advise me on the following? I was issued a default by a company store card - and was expecting the debt to be passed to a debt collection company. This was all about 4 months ago, and I've not heard a single thing from either the store card company or any other debt collection agencies. Any advice on what I…
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RMA Resolve
Hi, Does anyone know if RMA Resolve are Amex's in-house collectors or are they a seperate DCA? When I started my DMP it went to RMA, 6 months in it went back to Amex who are now restarting to charge interest. But RMA are still sending hassling letters. Very confusing. DAS
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Situations vacant
Looking to recruit link literate and search savvy person to keep challenges list updated. Would require no more than half an hour work per month to update links for monthly challenges and also quarterly delete those links where threads are not active anymore. Ad hoc projects are to add any new challenges that you have been…
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Help: Council Tax - I missed a payment. Now they want my employment & bank details.
Hi, I'm sorry my first post is a cry for help - I guess we all started like this?... I pay my council tax monthly £70ppm over 10 months in a year by standing order. This month, my standing orders tried to leave my account a day before payday (this is fine.. just bad admin on my part which is now rectified) Now, the council…
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NDR Debt recovery.....Help needed PLEASE!!
I had an account with Littlewoods and was unable to make repayments. I wrote to them straight away in JAN 10 after 6 letters no reply... each time they were adding on fines etc.. so they gave my account to NDR recovery who are insisting on full payment or a ridiculous payment plan that i can not afford. 9 months on and my…
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letter received back from Vodafone re: deafult on file.
i used the template letter to try and have a default removed. i have recieved a reply back from vodafone concerning having the default removed from my credit file. it says the following. '' i would like to advise that Vodafone Limited airtime agreement is not a regulated product for the purposes of the consumer credit act…
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How will this affect my credit history/rating?
I had a debt collection company, buchanan clark and wells harrassing me for £300 which they said i owed to them because of a missold broadband with 02. It happened in about June time and when i phoned them up to explain the situation ( i wasnt at fault) they were soo horrible/nasty. The conversation ended with me screaming…
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A lovely vist from Provident!
Hmm, Yes all I can say is WOW I answered the door to my area manager let him in to discuss my DMP, I'm just about to enter He was so rude, I felt like crying...I understand I'm in a bad situation etc. I showed him my paper work and he demanded who my other debts are currently with! He literally threw my paper work down and…
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default in to a CCJ after nearly 6 years
I have a default which expires in April 2011. I have been paying an agreed amount to LloydsTSB. I have just had a letter from Debt Manager LTD asking for full payment. I contacted Lloyds TSB. They informed me that I had not paid since April. I checked and it seems that when i set up a standing order I put it to start next…
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Advice needed to help clear credit card and overdraft please.
Hi I'm just looking for some advice. After being made redundant i've run up a debt of £1500 on a virgin c/card and £1000 on an overdraft, i'm wondering if anyone out there can give me some advice of the best way to start clearing it, i've repaid over £500 off the c/card but the 0% interest free period has now ended, the…
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Car finance problem!!
Hi there, I know it was a stupid move but I got finance on a vehicle for my partner who was unable to get finance at the time. The vehicle was 20,000 - Land rover and the redemption figure is currently 17,605.79p or around there. Unfortunately my partner and I have just split this weekend and although I have been receiving…
