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Court papers - so stressed. Help?
:( although I have a DMP with CCCS, one of my creditors has issued a claim against me and sent court papers for a CCJ. Just when I was starting to relax and think things were going to be okay. I rang CCCS and explained the situation. They told me what I need to do in terms of the papers and what the claimant is likely to…
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Need to make GBP200 by 24 March 2011!!
So in addition to trying to continue to meet all my debts and make my target of saving GBP1000 by December 2011, I also need to make GBP200 by 24 March 2011. (This is to pay back a debt) So I have decided that all extra money I get from Quidco, eBay, MS or surveys will go into a seperate account. So the things I am doing…
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Feel sick- renting with bad credit :(
Hi all, our landlord has just served notice on us as he is selling up. We are in a DMP & our credit rating is shot to pieces. I have phoned 2 estate agents & they were vile and said we couldnt rent with them. I was in tears on the phone :( anyhoo i havebeen looking on gumtree & in the paper etc but there are very few if…
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Do You Keep/Intend to Keep Anything to Remind You Of Your Debt?
We paid off our debt about a year ago but it was a long painful, arduous process of taking out different 0% credit cards and paying off what we could each month. Some months we could manage hardly anything and those months were particularly difficult. Now that we are debt free it has felt wonderful for a whole year and I…
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Equifax - remove linked financial associate
Just wondering if anyone has ever had any issues removing a financial link with someone on Equifax? I emailed them last Monday and got an automated email saying "Thanks. We've received your question, which will be investigated by one of our team. We're responding to customers within 7 days at the moment, and we'll keep you…
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help on two points required
1. Have had a form from Yorkshire Bank to sign to close my account so that the overdraft can be added to my DMP. I have already written to them in connection with this, but just printed my name on the letter. What should I do? Is there a possibility that they may not be able to enforce the amounts due on the overdraft, a…
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Which paperwork do I need to request from debt collector agency?? Advice please
Hi there, I have come into an agreement with a debt collector agency to start making monthly payments to them. However, I would like to get some sort of document from them beforehand that my debt was sold to them by my bank and a statement from the bank as I don't even know how much my debt is precisely. Can you advise me…
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Holiday problem
Not sure where to post this but thought I would try here. My friend has suggested a few days away which I would like to do but my determination to pay off my debts really is my first priority at the moment. I have had a look online and even a couple of days in the UK works out at over £100 which I would rather not spend. I…
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Cahoot Credit Card Default
Hi, I need some advice please. I have recently been checking my credit reports and I appear to have a default on my account from September 2006. I was paying Cahoot via my DMP with CCCS and Cahoot advise that a payment was missing in July 2006, Paid in August 2006, missed in September 2006 then got back on track. This…
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1 More x Clarity Credit Management
I have received a letter from Clarity Credit Management Strange one (or maybe not, may be one of their usual ) There is not reference whatsoever to who the Client is or any figure. It just says "contact us about a personal matter" :think::think: The person I share the house with is concerned about his credit score being…
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Thanks for all advice
Hi All, I posted a couple of days ago about struggling in debt. After taking in all your advice and pay day today I have paid off 2 of 4 credit cards ( had to increase my overdraft slightly but the APR on that is a lot less than CC). This is such a great place to come for support and advice and am so thankful that I am now…
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Help! Debt collectors (DRS) intimidating my family
Official MoneySavingExpert.com Insert: DRS Legal Services Ltd has asked to comment on this thread. MSE doesn't endorse anything a company says on the forum. We note that we are regularly being contacted by debtors who have been chased by email/text (sms) or occasionally by letter. They are looking up DRS on Google and…
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Help needed - Churchwood, Experian + more!
What a mess. My daughter and her boyfriend started to struggle with various debts (lots of really small debts) when they had a baby and turned to Church Financial in September 2009 which seemed a sensible thing to do until I realised she was paying them £38 a month :mad: She contacted Churchwood to cancel the arrangement…
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dmp or iva
Hi I am new to this but i have been looking on the site for a few months. In a nutshell we have debts of over £62000 all unsecured have debated over dmp or iva spoke to paypal and they advise dmp but we can only afford to pay approximately £200 p/m this will take over 20 years to pay. They said they would look into it…
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Trustdeedscotland.net - advice please
I am new to all this on here and I am wondering if anyone has had dealings with the Trust Deed Scotland people. Stay away? Or a good idea? Any advice would be good. Cheers
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Looking for advice
Hi there, im looking for advice please. About 4 years ago now my family and I had our house repossed, we surrended our car which was on hp. We had a credit card and some other debts. We tried everything we could to keep our house, we tried the cab and debt councillors, but to no avail. We asked for a payment holiday on our…
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Nat West Can they do this?
Really sorry for jumping straight in and this is prob in the wrong place, so apologies, but need some advice about nat west! We had a account with them and a overdraft limit of 350, we were annoyingly living in that limit, until my husband lost his job last august, his last wage pack we removed from the bank, and placed it…
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Proof of debt after a bereavement
Hi After coming across loads of helpful posts on this site during the last five months of incessant googling I thought I might register to see whether anybody could advise on our situation. My Dad passed away in September last year. There were some debts we weren't aware of. Mum is now being chased for these even though…
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ccj threat with charges should i pay them?!
i have had a letter through from a debt company that i agreed to pay £50/month to for a gym memebrship that failed 3 direct debits. i tried to make my first payment on agreed date but they didnt accept my card. i couldnt send a cheque as i dont have a cheque book, so i have opened another bank account that comes with a…
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Is it possible to stop DCA's passing debts on?
Basically as the title asks. My situation is this, about 2 years ago I was contacted by a DCA called MacKenzie Hall (spelling may be incorrect) seaking to collect on a debt with GE Capital (Time Retail Finance Ltd), I'd never heard of this company so did a bit of digging on the internet and found out they supply finance…
