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Credit Reference Agencies
Hi all, We have been inudated with loan companies offering us small amounts with BIG charges. One of these companies said that our mortgage doesn't show on our credit report but we know it does. When we logged in to Experian to see what checks have been made against our reports we have discovered none and also confirmed…
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Newbie ready to face the challenge...
We have been trying to become debt free for so many years I have lost count - so today is the day we (hubby and I) am going to draw a line in the sand and really focus on paying off our debt....!!!! :j But know the road ahead is a long painful one.....:sad:
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About to lose my job, help with a couple of questions
My first post. Please bear with me and I beg you to offer some comfort as I haven't slept for a month with worry. I think I'm about to lose my job. I've never been unemployed in my whole adult life, but even though I've been applying for other jobs desperately for the last six weeks, I haven't even been offered an…
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Confirmation of when an entry drops of your CRA file
Just received this from experian. I guess the moral of the story is if you are trying to repair your credit status don't go for a partial settlement! It is annoying that if I didn't pay anything it would be gone now ... if I continued to pay the measly £2 pm and take about 30 years to pay it, it would be gone now ... but…
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ALOT of help please. RE: Credit Card 'Guest'
Hi, I'm really in need of some important help; if this isn't the forum area for it please could you tell me. A family friend had a credit card with Halifax* but has recently died leaving his wife (another family friend) needing questions that I hope you folk can help with. When he signed up for the credit card, he was…
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Little help please!
Hi all, haven't posted in a while. I have been busy with various things and to be honest a bit lax with things, although soldiering on with paying things off. I have received a letter from Barclays today (17th March) dated 14th March stating that they will be reducing my credit limit to £1650. It was £1800. I can't seem to…
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iPhone budget apps?
Hello, Having just got an iPhone I am looking for a free (or v cheap) budgeting app. Have had a quick look and not found anything suitable. I want a monthly one where I can select the period (eg 19th march -19th April as I want to do it per pay month. Anyone aware of anything that does this or if not any other budgeting…
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Setting up own DMP
Dear forum peeps, I'm a long time lurker of these boards and would love some advice please. My DH & I have had a collective LBM and have decided to try and set up a DMP with our creditors. Do any of you know where I can get hold of a template letter to send to our creditors proposing a payment schedule? Thanking you in…
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Sooo much debt again argghhhhh!!!!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 4 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1015 Partners monthly income after tax....... 1500…
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County Court Judgment?
Hey, I wasn't sure the best place to put this so I hope this is right. I recently applied for a credit card and was just told on the phone to them that I have a CCJ under my name for a previous address I lived in. I knew nothing about this and have no idea how to go about finding out who has put it on? Experian won't let…
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Lbm
I have this week had my LBM. I have spent all day today gathering information and completed cccs debt remedy questionairre and it came back that we should go on a DMP. I am fine with this but a few things I am having difficulty with that I hope someone on here can help me with. We have total debt of £36000 and have a joint…
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HFO And Turnbull Rutherford
Hi all, Ive been reading these forums for a long time and they have been a wealth of information for me and helped me manage my debts. I have a question that im hoping somebody could shed some light on. In August last year turnbull rutherford got a ccj in my name for a debt i owed welcome finance over 7 years ago. I had no…
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first time poster : bailiff/council tax help please
Hello I had a visit from a Rossendale's bailiff about a month ago, but I wasnt able to come to the door so she put something through my door with her number on it. I called her and we arranged for her to ''visit and fill in some paperwork''. Well , to make a long story short, after postponing the original appointment a…
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Finally confronted my debts
Hi I have finally confrounted my debts and been open with my wife. A great relief but now I need to get on and get myself and family out of the debt situation I have got us in. I have re-mortgaged in the past to pay off credit card debt (vowed never to do it again) but I could not tell anyone and it has built up again to…
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Credit file when changing address
Hello all, I may be moving back to my parents for a year so I can save loads, pay off debt then move out to rented while my credit file slowly heals itself. My parents want me to be listed on the council tax and electoral roll while I'm there. I'm fine with this. They don't know the full extent my huge debt and I want to…
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Company who cannot provide a CCA are pursuing me
Following advice on the CCCS thread I sent a letter to a debt collection agency asking for a copy of a CCA. When they didn't respond in 12 days I sent the second letter recommended. A week later I got a letter from the company with copies of bank statements saying that they intend to pursue the debt, and that I should…
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Problem with an overseas debt collection agency
Hi guys, I’m currently getting letters and emails from Universal Inkasso, a Netherlands based company. Back at the start of 2010, I intended to travel in Germany quite a bit, and after a lot of Babelfish translating fun, managed to purchase a train travelcard (Bahncard) that gave 25% off each journey. I used it for 2010,…
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Aktiv Kapital
very interested in this thread as I've just received a letter from Aktiv and I had no idea what it was for! They are saying its for my very old store card account from a previous address which I am certain I settled back in 2007. I wish I had read this forum first (newbie!) as even though I didn't pay it I called them…
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Dealing with depression
I've found out my options for debt, and the last couple of days a depression has really kicked in. I'm not saying I'm so special or whatever I know everyone's got problems, but just feeling awful and seeing if you've got any advice on how to deal with it. It seems like my quickest option will be bankruptcy which will last…
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Capquest - again!
Hi I received a SD for an account I have no knowledge of, apparantly the account was taken out with Abbey back in 2003 and passed to Capquest in Oct 2007. I have absolutely no knowledge of this account!!! I have been to court with the paper work to get it set aside and my court date is 27th July. Do I need to send any…
