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Help with no signed credit agreement with Studio
I opened an account with Studio in 2005 and I now have a debt of £900 with them. I sent them a signed credit agreement request about 2 months ago and they just sent me a letter (that sounded like they were trying to worm their way out of it) but there was no signed credit agreement so I waited till the appropriate days had…
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Two CCJs for one Credit Card
Hi, I have two defaults and two CCJS for one RBS Credit Card. Firstly should there be two CCJS or just one, I have spoken to Lowell(the collections agency) and they have advised me that they chased for the whole debt (£1237) and then a smaller amount(£355, paid now to Lowell) I also have two default notices on my credit…
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Help please
Hello everyone.. Sorry I am back again for help!!!! we took out a loan which we thought was paid off completely.. with welcome finance yuck!!! We have had letters from Incasso saying we still owe money I have sent them a cca request and the second cca letter account in dispute.. However they have come back yesterday with…
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Newbie Question Alert
Hi, I've lurked here for ages, gaining loads of inspiration and help, so first of all thanks to everyone who has posted help and encouragement as it doesn't just help all the members here but everyone who is lurking in the shadows. :T Right, I've not so much had a lightbulb moment, more a slow dawning of the mess we're in.…
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Advice needed
Morning all,I would appreciate a little advice as I can't see the wood from the trees at the moment. My husband is being made redundant soon and won't get redundancy(he was on a contract) I work part time and don't earn a great deal(also need to pick kids up from school).We have a loan for around £7500 which I was going to…
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Help anyone???
My boyfriend keeps receiving letters from a company called lowell, who have now passed him on to hamptons legal, the letters are saying he owes about £1000 for a Barclay card which he never had. he has been receiving the letters since he moved into my house, which is strange because the debt was apparently from years ago.…
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Success stories
Hi all, Im a newbie and currently have £11,200 of debt. After applying and getting knocked back for consolidation loans I had a look on this website and it has made me realise a loan is not the answer. Had a look through the forum and was wondering if anyone can share some success stories? Such as the people who managed…
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How Much is it to Subscribe to Experian?
Anyone know how much it is to join Experian? I found out about 3 wks ago that a debt collection agency had wrongly searched my credit file and they agreed to send an email to the credit file agencies asking for it to be removed. I now need to make sure they have done this and thought I would join Experian at the same time.…
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CCA request next step
Hello I ma looking for some advice. I have searched but couldn't make much sense so ihave started a new thread. I wrote to First Credit asking them for CCA, with £1 postal order and letter from here. i have given them over the alloted time. They have not been in touch at all during this time. What are my next steps?
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Ahhhh Help..I've been hiding my head in the sand again :o/
In 2007 I worked for AQA (text answering service) for literally 2 months and made about £300. I decided that with having had to become self employed (as a 2nd job) to do it and all the paperwork involved, it was more hassle than it was worth. So I told HMRC over the phone and thought nothing more of it. From the end of…
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day 1
posted for the first time yesterday but it has gone so think I might have done/said something wrong. anyway charging phone at work, breakfast from home. went to shops yesterday to buy milk and spent so much. I didnt need that chocolate or those biscuits ! hoping not to spend any money this week end. will let you know on…
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Getting a loan to consolidate my debts
Hi. This is my first post here. I am thinking of getting an unsecured loan from the Halifax bank(who I bank with) of 2000 pound spread over a year to pay off my 1400 pound credit card and 600 pound over draft. I have had these since I qualified from college 2 years ago and they are not going anywhere fast. I am being…
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Credit Card Problem
Hi All I was thinking of getting a consolidation loan to pay off 2 credit cards as the minimum payments are now at £180 (for both) I usually pay off £400 a month but still end up using the cards. I was going to get a loan so that I can see an end and so that I don't have to rely on using them. A friend told me to come to…
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First year over
Hi all Just wanted to say its been a year since my LBM and dealing with my Debt mountain, The telephone does not ring any more and I barely see the postman All my creditors except 1 have accepted my DMP but they have stopped interest and charges so Im just trying to sort out who to Pay 2 DCA are chasing it so still sending…
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Friday 11th February - what small DFW things will you be doing
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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Heellllpp! Please
Read all of your posts, and they have helped me a lot. But - I could do with some advice myself. I have had a silly loan with LLoyds TSB since 2006. It was for 6k. I could have paid if off by now - but I have been sick, and had 4 different operations since I took the loan out. So, I had to have time off work - and since I…
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Please help me! - Red debt collection services
HI My friend receive a following letter from Telefonica O2 UK Ltd dated 24 Dec 2010 on 05 Jan 2011. Following a review of our internal system. It would appear that a balance of £140.00 remains outstanding. The balance owing is in relation to an account you held with O2 which was disconnected on 22/04/2008 a summary of how…
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Natwest Retail Debt £375 - Cant be proved - HELP!
Hi there folks. Had a loan with Natwest a while ago to pay off an overdraft which was settled in full - about £3600. I received a letter before Xmas 2010 from Wescot Credit Services saying I owe natwest retail £375.18!? I wrote to them stating to provide me full details of what this debt was for and to provider me a copy…
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Debt Collection Agency
My sister had a debt sold to a collection agency and she has an agreement with them and has paid on time regularly. they have now sold the debt to a new agency who have added £2k to the debt and said she has not made any payments to them and that they are going to have her house sold to get the money UNLESS she contacts…
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credit report mix up
Hi there about a month ago i got my credit report from credit expert. everything was fine and expected. However today my brother checked his and my name and accounts was showing up on this. so i went and checked my again and now its saying that my also known as is him? and all his default accounts and bad credit is now on…
