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When you just have to say NO you cant buy it!! however cheap
aaaggghh just starting to budget properly have more than my fair share of debt to repay including a car loan, loan,overdraft and one 0% card. I have started the piggybanking method of setting up different accounts for different forthcoming spends and find I have only enough money for food and diesel. Does anyone else find…
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Debt Collectors Question
I have recently moved into a new rented flat with my gf. (February 8th to be precise) I have recieved a large amount of mail for the previous occupant Mr F. Having contacted the letting agent, I was told they would love to know where he is but he left in a hurry. I return this to the post box every few days marked "NOT…
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Can't get a £35k mortgage with a £60k deposit
I have a 110k mortgage, and I need to sell my house as I can't afford the mortgage any more since my adult family all married one by one and moved out, and life changed hugely. Of course this was always on the agenda, kids have their own lives to live. As my mortgage is only £100 less than my monthly salary, I always…
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Capital One has passed my debt to a collection agency
Help please, I don't know what to do next. I have been negotiating with my creditors for several months now, with some success. All, except Capital One have agreed to my DMP, have accepted my token payment and have agreed to freeze interest. However, Capital One have always refused to accept my DMP, demanding instead to…
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Paid CCJ....How to remove from credit report?
Hello, Apologies if this is in the wrong forum. Since 2009 i have been working extremely hard to become debt free. I have signed up to Credit Expert to check how well i'm doing. :o I have noticed that the CCJ I paid off last year is still sat as unpaid on my report, therefore having an impact on my struggling credit score.…
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Light bulb moment - time for action
Hi all, This is my story and having my Light bulb moment at the beginning of February 2011. I've had these debts for quite a long time now and have always felt i was on top of them. Not greatly reducing them, but managing them ok. I work in Finance so i think (perhaps too innocently) that i know what i'm doing. However…
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In serious debt help
I have 3 credit cards which I am paying off every month. Natwest 3.4k 17.9% capital one 1.6k 34.9% mbna 1.6k 19.9% I have tried applying for different cards for BT's but no joy,I have £350 left after payed everything. So with that £350 please can you point me in the right direction what to pay first and how quickly these…
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Can I still be chased for this?
Hi I'm being chased for a debt, how old it is I don't know, but I'm guessing over 15 years as it was addressed to me under my maiden name and I've been married nearly 15 years!! The people chasing it are Clarity on behalf of Santander, although their original letter said it was an Alliance & Leicester debt. I did have an…
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Lowell placed default on me after payment made
I received several threatening letters from Lowell about an old Vodafone account. I had given them notice but it was so long ago no longer have copies of anything, then they sold a "debt" of £160 to Lowell. I requested proof of debt, but they couldn't provide but kept threatening to place default on me. I gave in and paid…
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Credit report soooooo confused!!
Hey everybody. I have been using this site for a few months now, although have only just registered today so I am now able to post. My question is this. I recently ordered my credit report from Equifax, I have been in debt in the past, but as I have not paid or acknowledged any of the debts in the last 6 years, they have…
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Debt getting me down.. Which option for me?
Hi I would appreciate some advise from people who have been in similar postion to me. For about 5years I have had debts of between 20-30k on loans and cards and I'm getting nowhere paying them off. I have not yet missed a payment but now my salary has been cut due to change of job and I now have more going out than coming…
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Statute Barred Debt - Northern Ireland
My boyfriend and I live in England but he is being chased by CCS Ltd for a debt which he allegedly accrued whilst living in Northern Ireland. We don't think he owes the money, but in any case the debt is statute barred and we would like to write to CCS stating this. Which legislation applies here? The Limitations Act 1980…
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Simple computer question
Hi, I'm trying to attach some documents to show someone some letters from a debt collection agency but then I realised this site doesn't allow attachments-where do I put them so I can show them please-I've seen on other peoples posts links but I don't know where to go to put my documents. Hope someone can come to my aide.…
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Advice on dealing with Robinson Way please
Hi guys, I had a letter from Robinson Way a few weeks ago regarding a debt that I had at least 10 years ago to Next. This debt got CCJ'd about 8 or 9 years ago and Moorcroft were "looking after" it. Now I came to a full and final settlement agreement with Moorcroft and paid it and the CCJ is no longer on my credit report.…
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Fredrickson International HELP ME
Hi all, I just received a letter from Fredrickson International. Its for money owed and also from Arrow Global Guernsey Ltd?? I am sorting my debts out and paying token amounts but I do not know what this debt is in relation too. I have read on search engine could be an old debt maybe statute barred (also may not be).…
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Nearly new...some encouragement!
I only posted for the first time yesterday and want to thank those who replyed for their encouragement. As a result of that encouragement I have today spoken to the CCCS and set in motion a DMP which will see me out of the 'muddy mire' of debt BUT I have also contacted the HMRC and been told that I am due a rebate…
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Debt Check-Up.. Any Suggestions
Hi Guys.. My wife and I have pretty high debt levels, there were a few reasons for running up this amount of debt, some justified and some not, but both are under control now. I was hoping you guys could take a look at my SOA and see if you can see any place I can save a few pennies, or if there is a better way of tackling…
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Moorcroft Debt Recovery - communications
Hello all, I am receiving letters from this company about an unpaid debt I have. It seems to be passed around to other debt collection companies (DG Solicitors, Central Debt Recovery so I need to know that any agreement I make is binding and I won't get chased by any of the others. The other thing is that Moorcroft have…
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Tuesday 15th 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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Bank asking for my income/expenditure, why?
Hi all, I recently defaulted three times on one of my credit cards, and my bank sent me some income/expenditure forms to fill out and return to them. Plese can anyone tell me what the implication of this is? From my little research, I think if I fill it and it seems that I can't keep up minimum payments at least, they may…
