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leaving debt management
I Joined Gemstone fiancial management last july and have realised that this was a mistake as i ended up talking to creditors and working out replayment plans with them. However i pay them £45 a month for what seems to be to do very little. Is there anything to stop me leaving them and paying my creditors direct or am i…
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Capquest credit search
On subscribing to checkmyfile.com, I noticed that a credit search was made by Capquest debt recovery against my name at my previous address in July 2010 (I moved out in April 2010). They have never contacted me and I have no idea why they would have carried out this search without my authority or knowledge. Does anyone…
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Wonga.com, Can't Repay Help.......
Hey guys, My first time here, although i think i should have come here a long time ago...... I have been getting loans with Wonga.com for a while, pay it off on my payday then get another. This time i won't be able to afford to pay it back, since i have just moved into a new place with my girlfreind and need to pay rent…
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~~Weekly Chat ~~ Week 7? I think.....~~
Afternoon all. I didn't see another thread, so here goes. Well I am glad it is Saturday, usual busy week with work and children. I was able to get some washing out on the line today, so hopefully it will dry. Hope everyone is having a good day. Looking forward to chilling this evening with pizza and a couple of glasses of…
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seeking advice on hfo
HI First ever post so if its on wrong place, sorry. I took out a loan in 2004 with welocme finance, I deafaulted and it was passed to hfo services. Since June 2009 i have paid 30 pound a month with out default. They had my back card detaisl and took payments from my account every month. I lost my bank card last month so…
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DMP questions...
Hi all I haven't been on here for ages, but I'm thinking of signing up for a DMP. We can make our minimum payments, but have nothing left after wev'e paid them, and we have no life. Also, we have a leaking flat roof on our extension that needs fixing and the buildings insurance won't cover it. So basically, need to find…
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Getting started on the debt free road
Hello A long story - please forgive me, but I think putting it down in writing will help me, and hopefully help you to help me better. Me and my partner have got ourselves into huge debt, not gradually, but through a choice that may seem foolish to many of you. But, the basic fact is we spent more money than we had, and it…
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how long do defaults & ccjs last
hi - I know both stay on your credit file for 6 years - is that from the date they are issue or from when they are settled? eg - i have a ccj and have been paying £50 per month off it for nearly 6 years but have a few thousand left to go -will it stay on my credit report until i pay of the debt? Same goes for my…
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Hoping for some support
Hello everyone, I have managed to rack up credit card debts to the tune of £20000 and have only just come to my senses. I am not young and I am ashamed to say this is the second time this happened in my life. First time my two children were small and it wasn't so huge, but they are adults now and are rather angry with me…
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Council Tax Issue
Hi, I changed my bank account last Oct and in all the hassle I missed a council tax payment. My payments were £83 over 12 months. I had £276 left to pay this financial year. They wanted it over two payments of £138. I called and said I could not afford that but asked if I could pay in 3. From my Jan, Feb and Mar salaries.…
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spending and emotional issues
Before I spill my heart out, is it appropriate to talk about "emotional spending?" here? By that, I mean spending which is the result/cause of depression; impulsive; obsessive spending, resulting in debt. Or do I need help from another source? :o :o
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Help needed
Just had a letter from collections agency asking for £11,000. Debt was with Lloyds tsb. I have been paying back £100 per month and not missed any payments (It is all I can afford) Can anyone tell me what I can do? Bit peed off Lloyds have sold the debt after me agreeing with them to pay £100 per month (which I have been…
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help !!!!!!!!!
I am a new user to this and just dont know what to do next :( i am 9400.97 in debt on my credit card , i pay 200 pounds a month but with charges this only pays off 28 pounds :( i have a terrible credit rating and cannot get any cards to transfer the balance, i called the cc company ( tesco ) to tell them i am in trouble…
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Has anyone experience of dealing with a car park fine appel?
Hi I have a debt diary thread on this site already but this is a seperate issue that I am trying to help my son resolve and would appreciate any advice you can give. My son received a parking ticket recently and has challenged the legality of it. He had paid and displayed correctly but returned to his car to find a parking…
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Credit Rating
I am now totally debt free:j, having managed to pay of £22000 worth of debt thanks to wonderful advise from the Site :money:and help from my other half:cool::heart: . Now want to save up to get a mortgage, does anyone know how long it will take to restore my credit rating and is there anything I can do to help boost it…
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Weekend 12th/13th February - what small DFW things will you be doing
Morning all:j 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…
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Virgin / MBNA CC ..... feel sick...first letter
Hi Guys, I am just about to send my '28 day please dont do anything on my account' letter to Virgin explaining i am receiving guidance about my debts etc, Is the adress i send it to the one on my statements ? Royal Ave, Widnes, WA88 1AT ? Also when i am ready to send the ones to Lloyds TSB do i send that to the PO Box…
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others opinions on something..
Am having nightmares trying to post due to broken computer so am now on my phones free internet! So I'll try to be brief. I just would like other peoples opinion. I work part time, OH is self employed and earns v little. We get tax credits as well. I was at uni for 2 years and graduated last year, whilst at uni till I…
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Awake, Worried & wanting to talk!
Wednesday night joined the site prior to a court hearing regarding council tax. It went well really despite not knowing what i was going into, and thanks to this site i found info and comfort in searching and reading others posts and replies, massively helpful even in challenging the councils reps in court. The reason for…
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Paying back a bailiff
I have a debt of around £1600 I owe to a debt recovery specialist bailiff for Council tax I failed to pay a few years ago. It was at about £2100 but I've been paying them back at £100 a month for the last few months. I've just come into some money and I have £1000 to spare. I've heard of people paying back *most* of what…