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Hamptons Legal Full and Final
Hi all, Looking for a bit of advice on this. I have received some letters from Lowells and more recently Hamptons Legal for a catalogue debt that is a couple of years old (only maybe 2-3 though, definately not 6). I am sure this debt doesn't have a valid cca and am fairly sure that Hamptons also know this as they have…
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Should I use a Independent Financial Advisor for debt consolidation
Hi All, Not in debt crisis but I have only been paying off the minimum on 3 CC's for a few years and of course not making any difference to my debt. There are a dangerous and bewildering amount of options in terms of CC offers and loans. I'm wondering if anyone had used an IFA to help find a solution. Experiences and even…
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Seen the light....but where to start?
Hi Guys, Been reading through the forums for a while now and finally made the move to post after seeing the light! Hit a stage in my life where i really want to sort myself out and getting debt free is the first part of that for me. I'm one of those people that I sure most of you will regard as a fool as I've been enjoying…
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Disconnection of electric
This thread is also under Utilities Over the last year my electricity only property has racked up a horrendous £1000 electricity bill which I have struggled to keep ontop of. Redundancy etc. Four weeks ago answering letters to say I would be disconnected I came home to let in an authorised bailiff and electricity official…
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Newbie Help Please
Hi This is my first post!!! Can anyone direct me to where all the template letters are ? specifically for asking CC companies to freeze interest accept a payment plan etc ? Thanks
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re overdraft charges
Hi I am in quite a mess at present with my debt problems. I am currently facing a charging order with one creditor and I am trying to tackle a problem that I have not been able to sort out with Lloyds TSB. I am in a DMP with CCCS since Sept 2009 and Lloyds have been one creditor who have constantly ignored this. I wrote to…
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SAR Request Barclays
I have just received information from my SAR Request from Barclays. I have two termination notices within the information with different dates but no default notice. Is a termination notice a default notice? If not, what options do I have next? Thanks in advance!
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AIC Glasgow
Been contacted a couple of months ago by AIC (Allied) Glasgow regarding a CC debt of which I presume they bought from MBNA. (balance about 3.5k), they said that the min they could accept from me is £150 per month, however this is stretching me too much to keep up. I've had nothing official from them in writing, just many…
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Pay overdraft with credit card?
Hi there, I was wondering if anyone could give me an advice on how to repay my Natwest overdraft of £2800. My account is always on the red even when I get my salary every month. I pay £30 interest every month. Are there any credit cards with a good deal that I can use to pay the overdraft and how do I do this? I’ve only…
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urgent help please
ive been 'helping' my sister deal with a council tax debt that went to bailiffs - im using the term helping loosely as i think ive got her into serious trouble basically she owes £79.55 to the council and the bailiffs have written with a breakdown of charges which include visit fee 1 £24.50 visit fee 2 18.00 sch 5 head h…
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DMP further Queries
I'm still debating on the DMP process or whether i can juggle my debt (on CC's) 23k at present on to lower rates between the cards i have to allow me to clear the debt rather than pay huge monthly amounts to just cover interest payments however after payment currently have very little money left for general day to day…
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Really need some help!
Our debt has gone out of control and we owe approx £35k on loans and credit cards. We are behind with our mortgage. I have just gone back to work so we can start clearing debts. I was a full time mum for the last 7yrs so that hasn't helped our situation. We just don't know where to start! We thought about an IVA but heard…
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Rant About Paying Debts!!
Does anyone else find that actually paying the debts back is difficult?? I'm earning a lot of money in cash that I want to pay off of my debts. I have been able to pay some of my store cards off at the Post Office near my office, but have found that some giro slips are only accepted by the bank. There is a Barclays near my…
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DMP or IVA?
Hello, I have £46K of unsecured debt on a DMP with Payplan. This was set up in March '10. My salary is £27K and it is estimated that it will take me until 2021 to repay the debt. Most of it is credit card debt, which escalated when interest rates went up to 30% on almost all my cards. I started using the credit cards to…
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Credit Record Help
Apologies if this is not in the right section of the board, but I was wondering if somebody could give me some advice please. A good number of years ago I had some serious money issues, much of it brought on by my own stupidity and naivety (I was 19 and didn’t fully understand the consequences of cancelling direct debits…
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Is there light at the end of the tunnel?!
Hello, I’ve been reading other people’s stories on here for some time but this is my first post. It’s quite long but I hope some of you will take the time to read it and let me know what you think. I have just set up a DMP with the CCCS and my creditors are chasing me/deciding whether to accept offers. My total debt is…
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help or advice
Hi Im currently on a debt management programme with Churchwood but they take a fee out of the monies i pay them each month. I was wondering how easy it is to change to a company like CCCS who do not take fees and how quickly I could do this? Has anyone done this before and can you advise how I do this? I am paying my dads…
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Advice on default letter
Hi I have been disputing a default I got from a creditor in 2006. I have asked for a copy of the default stating that I never received a notice at the time, and after several letters ignored, I have finally received a letter. The letter says that due to them accepting an offer from a debt management company they would be…
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A bit worried someone has got my details and applied for this!
I've just received this email and I'm a bit worried. I have never heard of this company, let alone have I ever applied for a loan from them! I'm pretty sure this is just spam e-mail but thought I'd check with you guys to see what I should do- ignore it (first instinct) or contact them and tell them I do not have a clue…
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Willpower pleasssssssssssssssssssse !!!!!!
Hi there
