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Red debt collection
Hi I have received a letter for an outstanding amount of £535.83 from Red,originating from Three Mobile. I rang Three today quoting the original account number on Reds letter,and found the default amount is actually only £14.88! Three have said I can pay this to them but,before I do,does anyone know if this will cancel the…
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Old debt rears its ugly head.
An old debt from 2006 landed on my doormat this morning. A mistake I made 5 ago years catching up with me. It's pretty disheartening, as after a lot of hard work (these last few years) my credit file 'was' beginining to look fairly respectable. But nonetheless I do recall this debt and regardless of its age, it's up to me…
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Forum Newbie - a little bailiff paperwork advice please
HI, I'm not sure if this is in the right place so feel free to move it if it isn't! I'm after some advice regarding paperwork for an agreement to pay off our council tax with Ross and Roberts civil enforcement agency. The hubby and I agreed to a walking possessions order to pay off our council tax and payments were set at…
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Got a bill from NHS Hospital after giving birth
Hi, I'm posting on behalf of my partner. Recently she gave birth to our son, and now she's gotten a bill for several thousand pounds from the hospital. She's a stay at home mum and is in receipt of income support. As this is the NHS, not private, why on earth have they sent her an invoice? What should we do about it? Thank…
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CCJ's - Tracking them down
Hi folks, Im pretty sure I haven't got any CCJ's, but I want to double check that I haven't - between the years of 2004-2007 I moved house a fair bit and my credit history from that time is a bit patchy - I've only just managed to clear it all up and sort it all out :D Is there a way I can do a check on myself to see if I…
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T-Mobile £15 and Lowell
Long story short: I was wrongly issued a default by T-Mobile for £15 circa 2004, after much ado I eventually got them to cave in and remove the default in 2009. After chasing Lowell they have decided 'oops we received an email from T-Mobile in 2009 saying the default was to be removed'. Obviously I asked them to update my…
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DMP or self manage?
Hello, Last year I was hit by a bad debt from a client to the tune of 40k which on top of other debt meant I had to liquiduidate my business. In total I have about £70k of debt spraed between the bank and credit card companies. I have been speaking to various organisations about them managing my debt. Some say that they…
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DMP not working
I have been on a DMP with CCCS for 2 years next month paying £224 a month and am actually just as much in debt as I was. Everyone has frozen or seriously reduced my interest except my Halifax CC which is by far my main creditor which means my balance has went up a lot with them as I'm not covering the interest and down…
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Desperate and need advice!!!!
Hi My debts have spiralled out of control and I know have over £30,000 worth of debts mainly because I my min payments were so high I was living on my credit cards. I am also on maternity leave and my husbands wages got cut by almos £300 a month, a lot when you have as much debt as I do!!!! I am paying reduced payments to…
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help with Student Loan - Scotland
Hi folks I had my student loan from 1994 -1997 - I was unable to pay it off when I started working because I was earning 12 grand a year at the time. I was contacted in December 2009 by Capquest demanding payment - the tone of the letters was mildly threatening - as in we will come to the house, take good and generally…
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DMP-What's the point in going on?
At the start of the year I had a LBM and recognised my debts were spiralling out of control. I have started a DMP with CCCS and initally felt better that I was taking postive action to sort out my situation. At this point I was not in arrears with any of my creditors. A couple of months in, I'm wondering what the point is…
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Tuesday 22nd March - 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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Learning how to stick to a budget...
Hiya, I feel really, really silly about this. I'm 25 years old and I've never really... budgeted. It sounds awful I know. I start off with the best intentions but, like most things in my life, I end up getting distracted and it falling by the wayside. At the moment I have managed to clear a lot of my debt and I've got my…
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Best way to turn £10k into £50k to pay off my mortgage?
I have managed to save £10k over the last few years and hope to pay off the £55k left on my mortgage and become mortgage free. The problem is I am currently £45k short! I am looking for ideas to turn my £10k into £55k!! Currently got it in shares, I have dealt in shares for over 15 years so know what I am doing but feel…
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Massive debt, think husband will leave.
Hi, I have just told my husband about my massive debts totalling £18k and after exploding, not speaking to me for what feels like an eternity, I think he's going to leave me. I've always been crap with money and he is the opposite, but has always left me in charge of our finances. He knew we had approx £20k in joint names,…
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Newbie Seeking Info On A CCJ.
Hi. Firstly thankyou to everyone who posts on these forums, been a lurker for a while now and some great info and help on here! Ok.. so i rented my previous premises for 10 months but never heard anything from my water provider, and stupidly never contacted them either. I then moved house and have been here for 7 months. I…
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How to deal with council tax complaints
I see it often people complaining about credit cards etc, but why not councils http://www.lgo.org.uk/making-a-complaint/ If you have a complaint, the first thing to do is complain to the council. You can find out how to complain from the council, or you can ask a councillor to help. In most cases, the council must have a…
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Bought in debts .. how much do they pay ??
Just a quickie.. I've got a couple of outstanding debts that have been sold on a couple of times, just got a letter through from one of them offering " a substantial discount" on the amount.. The question is, so that i can negotiate from a position of strength, what is the likely percentage they paid for it ?? Cheers
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somebody in debt wanting support
Dear All, Erm.... I suppose I'm writing because the journey of a thousand miles begins with a single step. This is my first step and if anybody's out there, I'd really love your encouragement. I'm basically crap with money - all good intentions and reckless spending beyond my means. And I suppose I'm worried because I'm…
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i need help with my debt
hi, i have a £4750 debt, and dont seem to know where to go or what to do, i went to my local cab and they advised me to consider bankruptcy but i really dont want to, i have a terrible credit rating so cant get a loan, so any suggestions would be great
