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Default Question
My husband has a paper copy of a default notice issued by Lloyds TSB dated 12/2007 but having looked at his Equifax credit file, the account is showing as "arrangement to pay" and there is not a default on there-is there a time limit on applying defaults? My worry is that they will apply it after the debt has been entirely…
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EasyDate scam
I cant really find a relevant area to post this but Ill try here because technically if I get this issue sorted Ill be out of my overdraft. Here is my issue, Ive just become aware that I have been charged £29.99 for the past 15 months, I feel embarrassed that I havent noticed this sooner. The charges go to a company called…
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Have you lent or borrowed money from a close friend? Cosmo magazine
We've been contacted by a journalist researching feature for Cosmopolitan magazine about friends, money and the relationship between the two. She is I'm looking to speak to people who have either lent money to or borrowed money from a close friend. Please email her directly if you would like to take part…
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Confused - Deafult
Hello all, Firstly thanks to everyone who has posted great advice on here, there is a wealth of information. Unfortunately I couldn't find an answer/piece of advice for my specific situation. Having looked at my credit report I noticed a default from Egg Loans. I can't recall receiving a default notice and due to the fact…
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Reduce Overdraft or have it available
Good Afternoon, I am new to this site, and have started paying my debts off weekly. One of mine debts is a rather large overdraft, I have started putting money aside each week to reduce this once a month. Would my best option be to reduce the overdraft? Or use to money to slowly work my way out of it?
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Help me :)
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 538.30 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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To Use Savings or not to??
Hi everyone! It's been a while since I posted on here but am always reading and keeping up to date and have been working really had at reducing my debt. My debt at its highest was £16,227.06 in November 2008 and is now £4,199.74 so am really pleased with my progress :j I know its normally advised that if you have savings…
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DMP in place, am I paying interest? - Lloyds
Hi all, I've had a dmp in place for a short while and when I look on the cccs statements my estimated debt is falling nicely. I moved my bank but I can still log back into Lloyds and see my massive credit card and personal loan debts. But that total is not falling because interest is still being applied there. I spoke to…
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Notice to Newcomers - re Trolls - Part 10
Hello and Welcome A long time ago Pania wrote the message below to Newcomers or anyone who comes across a troll on the forum Over the last few weeks we have had a number of "troll" attacks on the boards. What is a Troll? A troll is a person that posts deliberately provocative, nasty or hurtful comments on threads. They may…
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2011 - A year of belt-tightening!
Hi all, thought it was about time I started participating around here. Lots of life-changing events in the last two years (marriage and a baby being the main ones), have really made me sit down and sort out our finances. As they say, necessity is the mother of all invention, and with my wife now off work to look after our…
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Debt Collection Company - whats thier next step?? Help please?
We are aboutto embark on a DMP. Just waiting for new bank account details so we can send the info to CCCS. I sent out all the letters with token payments including one to fpc debt collection services. They had taken over my Capital One account and I had set up a payment plan at 0% for £175 a month. I had managed to keep to…
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Do you always get a default if you F&F?
I am making reduced payments to numerous CC's over the last year and presume my credit file would have late payments all over it but possibly no defaults yet. If I am able to make F&Finals will I definitely then get defaults on my credit file? Should I wait to get defaults before making F&F offers or am I going get…
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Debt Dilemma??
i have a problem with debt, the problem is that there are two credit cards on my credit rating un paid from TWO years ago that are NOT mine! Firstly i contacted the police, who werent interested and gave me the website equifax to look up my credit rating and quiery the cards. to which i did. equifax seemed very helpful and…
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Recovering Debt from your ex partner.
Long story short. I was in a 5 year relationship, partner was having debt issues, credit card company requested she pay off the card there and then. Balance was around £3k, I did a balance transfer to my card. She then paid me back £100 a month. We split a year later, meaning she owed me around £2k. When we split, we…
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Wednesday 2nd 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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Full and Final Settlement Figure?
First post so be gentle with me :) I have c.£50k of unsecured debt (credit cards, loans and overdrafts). Been struggling to pay these off for 6+ years. All have passed off, several times, to debt management companies. Currently have agreements in place which would take 260 years to pay off... Both CCCS and CAB have advised…
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Support a cap on cost of debt
I'll probably get pprd for this but oh well... Stella Creasy is trying to get a bill passed that will limit the overall cost of debt (rather than the interest rate applied to debt) Plenty of forum members have got into trouble as a result of payday loan companies and Martin has rebuffed people that have been saying that he…
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Can you get ff settlement on cc card
Got over 1700 on barclaycard. been left some money plan to pay it all off. At moment its with mercers collections. can I ask for settlement figure ir is that just for loans.
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Overdraft arrangement - Halifax
Having recently set up my own DMP and Halifax agreeing to freezing all charges on my loan, credit card and overdraft I have just logged into my online account to see they have taken out 'last month arranged overdraft fee' £24 and 'last month unarranged overdraft fee' £35 :o My DMP agreed with them on my 2k overdraft was…
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Trying to sort things out, is this ok?
Ok, I've done the usual thing that beings people here, got myself into debt and can't afford the payments. I have a friend who works for CCCS and spoke to them for some advice before going ahead with anything, as they know more than I do. The outcome seemed to be try and arrange my own payment plan with PDUK and QQ, and if…
