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Free from debt...
Can I just say to all those that are unfortunate enough to find themselves nailed to the wall with debt, there is a light at the end of the tunnel. I got into real trouble in my early 20's after I got divorced and found out my ex had literally wiped me off the financial map. I had nothing, and I was thousands of pounds in…
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Childs Nursery say I owe money - but I don't??
Hi I wonder if anyone can help please? My childs (Old) nursery are stating I still owe them money. I left owing them some money and arranged (verbally!) to pay it back over the next four months - which I did and I have electronic payments from my bank account to prove this. It is now 10 months since we left that nursery…
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Equidebt / EQL (Whatever they decide to call themselves today!) - F&F Help!
Well...I've set up some monthly payments for most of my outstanding debts (the big ones anyway...the small ones can wait a while!). Equidebt are included and I'm paying them £20 a month with a £2779.05 balance. I've only paid 1 month so far and they've been hounding me with phone messages for the last week so I called them…
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Cabot
I am fuming!!! Cabot are phoning me on my work mobile three or four tims an hour. I have not answered and only found out it was Cabot by doing a reverse phone check. I am not going ot speak to them but I want to do stop phoning letter but I don't have an account reference or similiar, any ideas on what to do?
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Credit Card advice
Hello, Not sure if this is the right place to post or not. I am about to make a purchase worth £100. I have the cash to do so and was wondering if it would be a good idea to use my Credit Card and then pay the money straight over to the credit card account. I currently have £400 on the Credit card which I have been paying…
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BPO Debt
I bought a computer from Dell in february 2004 on behalf of my boyfriend at the time who couldn't get credit. I paid the bill each month and he gave me the money for it. We split up and he said he would pay the remaining balance in full as he was keeping it, which i thought he had done as I've never heard anything from…
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FOS response
I'm now fighting both the FOS and a bank. the FOS are appear to be on Lloyds side and not hidding it!! 2 mins and I'll type it out
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Am I legally obliged to pay Debt collector with no CCA
I'm in a position where a creditor has signed over a debt to a Debt collection agency yet have no CCA. I don't have a contract with the DCA and not not likely to agree to one either as they charge a fee. LLoyds have said they don't have a CCA because they're only obliged to hold one for 6 years. This seems lame to me as…
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Moorcroft - no CCA
I have a debt with cahoot for just over £6000. This is being recovered by Moorcroft. I wrote to Moorcroft asking them to provide a copy of the credit agreement using the template letter on here. I have received a letter back from them today stating that their client is inable to provide them with a credit agreement. The…
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Tues 8th 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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need to make money to pay debts off!!!! HELP!!!!
Hi everyone. I currently pay £260 a month off my debt of 7k. 172 goes to a 3500 tesco loan and the rest is the minimum payments and interest on an overdraft of 1500, cc of 1500 and store card of 500. Until the end of feb i have a default on my file so after that I will try and get a lower rate credit card and move my store…
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Help please!
Hello, I've got myself into a big pickle: Recieved a postcard through the door today saying that Mr****** called on a pre-baliff visit. I've got to call this person urgently. What shall I do? Here's how I got into this. In january I got a little pre occupied with sewing some costumes urgently for a show. I was up to my…
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Hi there... any advice reassurance please?
Any help or advice would be appreciated and welcomed with great gratification. In a nutshell... I applied for a job recentley and decided to check my credit file with equifax pre application as the position I applied for requires a credit check. I have had problems in the past and purley wanted to see what my chances of…
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Arrow Global/Moorcroft Debt Recovery Ltd
Hi, I could really use some help as I am totally new to this. I am acting on behalf of a friend of mine who due a lot of personal issues had to move around a lot for a few years. She has now received 2 letters, one from Arrow Global and one from Moorcroft Debt Recovery Ltd regarding an old Orange bill of £267.91 that she…
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Men reduce debts by shaving under arms?
I'm looking to save money to kick start my drive to reduce debts. My new idea is to save money on deodorant by shaving under my arms. I've not tried it yet but may give it a try tonight. Are women OK with guys who share off their arm pit hair? Is it sexy, strange or just clean?
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Default question
This may sound like a really daft question - how do you know if you have a default on an account? The reson is - I have checked my credit file and can't find anything that says I have had a default applied. I had a lot of trouble with a Halifax card and can't seem to find out if they applied a default. Sorry if this is a…
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MBNA new terms letter
I have had a letter today from MBNA which says they are restructuring the way that everyone pays their minimum balances. There is a leaflet in the pack which shows how much extra you will pay a month on the mimimum payment. I have an MBNA card with £1900 on it, the current payment will go up by £11.00 a month. I am not too…
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Nationwide debts cleared but not updated
Hi I cleared my debt to Nationwide (via their debt collector) on the last day of December 2010. Experian is still showing the amount as outstanding debt. I am very frustrated because the lender has their money yet they take their time in passing on the info to the credit reference agencies. I feel that all the effort to…
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a beaten man.........
perhaps............but still kicking. my partner left nearly 2 years ago and i got saddled with the debt, i live on my own,3 bed house,dont pay any maintainance as cant afford to................still trying to get over those words i dont love you anymore..............you would think the pain would subside but it doesnt,2…
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Dont Even Know Where To Start .......
Basically, I am in debt to the tune of about £35,000 - 3 credit cards, 1 store card and an overdraft. I am a stay at home Mum of 2 small boys with no income, and I have used all my personal savings to keep up the minimum monthly payments since I stopped working to have children 7 years ago. My husband has NO idea - that is…
