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Pace Forward & Rockwell Debt Collection
Hi there, I took out a loan back in 1998 from HBOS however was not able to meet repayments which I defaulted on. 6 years later my default was removed but I have not heard anything from the creditors since. All of a sudden, I received a letter from Pace Forward saying I ower money. I can confirm the debt is now Statute…
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DMP nightmare begins ... my first default ... help?
OKay, so far I had only had correspondance from CCCS but this morning I have my first Default notice from Barclays loans :-( I dont really know what to do with it if im honest ... the annoying thing is that i havent even actually defaulted yet because iv been making all my payments up to date, never late and even my last…
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House ownership with ex-partner, need to move out!
Hello, I currently own a house with my ex-partner and we have ca. £25k negative equity (minimum) on it at the moment, therefore selling is not an option. At the time when we separated, I (stupidly) gave my ex-partner the following options: - stay in the house on his own (he was unemployed at the time, living off his…
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Court summons over council tax
This has knocked me for six a bit, so I thought I'd ask on here for some help/advice. I've just had a court summons through from my local council, over unpaid council tax. However, reading the summons, this is for £85, for the tax year 2000/2001. Yes, that's right - ten years ago! We moved in to our house that year, part…
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Help with Mackensie Hall
My husband received a phone call some months back from MH threatening to send bailiffs round for a £500 debt with Arrow Global (Orange mobile). As he has learning difficulties he agreed to pay £20 per month to pay this off, but told me he doesn't remember the debt - he was just frightened by what they said on the phone and…
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Full and final settlement
Hi All, I have had it confirmed that I will be getting a compensation payment of £4499 in the next 4 - 8 weeks. I was wondering if I would be better writing to the companies that I am in debt to for a full and final settlement figure. I had a loan of £4000 which I have made 2 payments to ( they didn't set up the direct…
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What should i pay off first
Hi guys decided to bite the biscuit and pay off my debts , its not a huge amount and ive been comfortably paying them off for years , im just fed up of not having the extra cash free .... as it is i owe hsbc £8000 nationwide £3400 Hsbs credit card £2500 i am paying around £500 a month in repayments and i have managed to…
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DMP's agreed, Egg now wanting increased payments
Last year, and it took all year, I managed to get 3 creditors to agree to payments I can afford. I have 4 creditors but wanted to try and keep the smallest one off my DMP so I could snowball - i.e. pay off this one and then use the money to pay more off the next smallest debt. Anyway, Egg, HSBC and Barclays all agreed…
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Helping my Brother with debts
Hi All, I am in he process of helping my brother sort his finances out. At the weekend, i went through piles and piles of paperwork for him, and arrange all his bills and debts so he knows where he is. Hes been living in the dark for far too long. I have put together a SOAs which is not actually too bad, there is quite a…
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Bailiffs
Hi I'm a newbee to posting on the forums but have been an MSE fan for a few years now! Can anyone help? Bailiffs have turned up at a house I used to live at demanding £354 for a parking ticket which I was given over four years ago. In that time I have moved to another property and had two children so the parking ticket…
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The Guilt
I feel so guilty! I had my hair done at the weekend and it was expensive! I do absolutely love it but I feel so guilty about it. It wasn't even that I couldn't afford it really - I have paid cash for it from my wages this month and still managed to put a small amount into my savings. And, although this now means a tight…
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Monday 21st February - What small DFW things will you be doing 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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Neuro Linguistic Programming and the debt free wannabe
The basis of neuro-linguistic programming is that the brain is like a computer and like any computer is only as good as the software it is running on. Most people who end up in debt do not do so because of lack of intelligence but rather from a flawed money mindset whereby they don't think too much about their spending…
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court claims form
I posted this in another part of the forum but I was advised to put it in for better advice. A debt has been taken to court and a claims pack has arrived, Inside is a court claims form asking for personal details..out goings and wages..Ect. 1...Does this have to be filled in ? What would happen if it wasnt ? 2...Once…
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Hi, I'm new, in debt but fighting it!!
Hi Everyone I must of been reading these threads regarding debt diaries for 4 years now and what an inspiration and comfort they have been. To not know you are alone in this, or to get hints and tips. Ok so a little about me.. I am happily married have a beautiful toddler and am due with our next in April. It was 3 years…
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£5 notes in cash machines?
A poster in a thread in the "Budgeting and bank accounts" board said that certain cashpoints are now dispensing £5 notes once again. I keep reading this story every few years in the newspapers but I have never actually seen a fiver dispensed from a cash machine since around 1990. Has anyone ever got a £5 note from a cash…
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Help With Loan Company
We took out a loan last year but due to financial difficulties had to seek advice from the citizens advice as were struggling to make the payments. They proposed a pro rata payment plan to which we have now been paying the agreed repayment amount for 6 months. We have been requesting new payment terms to show this and how…
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Attachment of Earnings
Do any of you have any experience in this? Mine is for none payment of Council Tax.... it was at my request (not the court) about 3 years ago I was in serious arrears and the Council Tax Dept agreed this was the best option so I filled in the relevant forms, however they failed to contact my employer.... last year (2 years…
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How much do you live on per month?
Hi Ladies & Gents I have been reading this forum for a while now and it has been a great help to me. Would you kind people tell me how much you have left to live on per month after you have paid the mortgage/rent, all domestic bills, debts and petrol/travelling expenses? ie how much do you leave for food and general living…
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Easy answer for you experts !!
This is part of a longer thread I started some while back. That thread was a little too big so I've broken it down. Mobile phone bill - ran up by son (he is helping with this) but in my name and it surfaced about 2 years ago just as he and I were laid off. (Doesn't that always happen !) Few months of discussion with TMob…
