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Can Anyone Advise
Hi Ive been on a dept management programe for a number of years now and slowely getting my life back on track, I owe a credit card company and have never missed a payment to them since starting the programe 5 years ago, all was fine when I noticed they had started to add interest charges after a few years. I phoned and…
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Paying off Admiral bill
Hello, I'm after a bit of advice from the community. I decided to sell my car to save money and pay off outstanding debts and set up a debt management plan. I was so chuffed that things were looking up. Then wham! Admiral want the cancellation few plus money for the outstanding days of insurance cover (I cancelled the…
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Direct Legal Collections Debt
Hi Guys, I have a old debt from back in 2001 that was passed to DLC which I have been paying back on a monthly basis. I have never missed a payment at my agreed rate but every 6 months they demand more money and its now at a limit I can afford but can not pay any more and they keep hounding me about it. They called today…
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HELP needed to stop Hassle from Debt collectors!
Hi, I'm new to this but hope someone can advise me! I'm being chased for a debt owed to Halifax for £439. Firstly a company called Westcroft chased me, and I prooved although my name and address, matched their records, my DOB was different to the person they were after. I heard nothing more for months then got a letter…
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Really close to being debt-free...
Hi all, Since May 2009 I've really tried to sort out my financial situation. A couple of questions regarding my credit rating please: * If I pay everything off, my credit report will look completely bare. Will this be a problem if I go for credit/mortgage in the future? * My Overdraft limit is £2,500. Once I pay my £2,000…
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any luck getting interest frozen
Further to all the help I have been given on here I have started to manage my money already but changing gym membership, mobile phone contract and bus ticket. I feel I should go down the route of trying to clear my debt on my own without going through CCCS although have certainly taken some advice from them. I do have a…
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Trying to reclaim fees and getting nowhere!
Hi, Any thoughts or ideas from anyone would be appreciated, will give a brief rundown of the situation. I finished a 5 year agreement with DCM Apex (seeing that name will probably make some people cringe) at the beginning of June. Did some negotiation and got a couple more debts paid off by them after that date (one of…
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mis printed balance on moorcroft payment book
Hi, I have a few debts that I am in the process of settling. I have a tesco loan that is being dealt with by moorcroft for the last 12 months, and I have been making token payments against this. about a year ago they sent me a payment showing the balance as 13,000 ish, but about 5 months ago I received a new book saying I…
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British gas, unknown debt and harassment
Hi I came to uk on 27th of December , 2009 and started living at a place, 27 grittleton avenue, ha9 6nx on sharing basis. I shared my room with another two guys. The guy who rented that place was subletting to us on sharing basis and this is his whole sole source of income. I moved out of that place around 10th of Feb.,…
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On DMP and having to move abroad
Hi there My partner has been offered a new job in the USA. I will be going with them but under the rules of the visa I will not be allowed to work. I'm currently on a DMP via CCCS and pay £570 per month and as I'm unable to work my partner has said he will continue to pay this amount for me. The DMP is only in my name as…
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British gas, unknown debt and harassment
Hi I came to uk on 27th of December , 2009 and started living at a place, 27 grittleton avenue, ha9 6nx on sharing basis. I shared my room with another two guys. The guy who rented that place was subletting to us on sharing basis and this is his whole sole source of income. I moved out of that place around 10th of Feb.,…
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Help!
Hi all, I'm just after some advise my partner and i have nearly cleared our £3000.00 debts with only around £600 left to clear, but today i have received a letter from Harlands in regards to my gym membership i cancelled telling me that as i did not reply to the first letter they sent (i never received a first letter),…
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Wow
Hiya, i found this site today while searching for "debt support" After reading, basics and some posts. I rang Mpower. I was paying £190 joint gas and electicity, this also included payments off outstanding bills on both gas and electricity. My new payment is now only £103, still have £126 outstanding gas and in credit by…
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So close
Hello, sorry for writing this hear if it does not belong but my brain is completely fried now. A little back ground. I had a loan with lloyds for £7,000 plus some other little debt totallying nearly £4,000 which is only £11,000 and some may say not a lot but it is a lot to me. Well I reclaimed my PPI and paid off all my…
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Full and final settlements - information available to individual creditors.
My friend is in a lot of debt, and wishes to start negotiating with his creditors to achieve a package of reduced full and final settlements. My question is: how much information can individual creditors see regarding his financial information when running a credit file check? Can they see the full value of his outstanding…
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What Do I Do Next?
Hi I recently had some trouble with Moorcroft debt collectors over an old NPower debt which I didn't think I owed completely (part of it maybe but not all). I sent the letter about proving my debt to them and have recently received a letter. It is not at all what I expected. This is what it says: "Further to your recent…
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My SOA / proposed budget !
Dear All, Well I’ve decided to take the bull by the horns and actually review my SOA (see below) and set myself a budget – timing wise it's perfect as its payday tomorrow!!!!! Over the last few months my visits to the cash point etc. have become more frequent, but I couldn’t tell you what or where it was going (well not…
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How can they do this? Urgent advice please - freaking out.
Please can someone offer me advice? I am freaking out right now. Just had a massive panic attack. On Friday Northern Rock agreed on a 3,800 Full and Final for an 18k unsecured loan. It has been dealt with a lot by my solicitor as it was from a messy split with an ex. I was over joyed when my ex called my mum to let her…
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Mutual debt with Ex Partner
Hello all, Never asked for advice on these forums yet but I have a question on behalf of my partner. When she was with her ex, they got in a stupid amount of debt - to the tune of £28k in loans. When she was with him (about a year before they split) they took out a £20k loan (in both of their names) to clear off her ex's…
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It's starting to pinch
Hi there, I think this forum is brill, well done to everyone and the advisors too. I am self employed (ltd company) and have a reasonably decent job/skills which brings in good money, however recently my contract rates have been squeezed down by about 20%. This meant that the financial buffer I had has been taken away, and…
