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Been frauded need advice.
Ok me and my boyfriend are looking to move in together. Yet im wondering what do they actually check when they view your credit file? I have read its just the public record and not in detail so just make sure you haven't got any CCJS or have been bankrupt. I have 2 defaults on my credit file which have understandably…
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CCA Questions
I've got two CCs (Egg and Abbey) that I have been unable to pay because of the huge interest payments. I have sent the following letters to both: A letter asking for reduced payments and freeze of interest for 6 months - I did not receive a reply to this letter. The first CCA request letter from this forum - no reply…
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Can I "charge" a debt company for taking money they weren't entitled to?
Just wondering if I could charge a company they way they did to me, as I paid a debt off in full to NDR(debt transferred from Littlewoods) recently, firstly they took the amount of £546 (this is quite high to me!)from my account twice and I had to wait 3 days for it to be returned. While I was on the phone I explained to…
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Satement of Affairs - help reducing costs please
Hello all I have heard today that my ESA has been stopped (I have CFS/ME and am unable to work). I had a DWP medical a couple of weeks ago and apparently scored no points at all, despite being very limited in what I can do and for how long. I will be appealing against the decision, but realise this will take some time and…
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Reduced my Overdraft Limit!!!!!
I have just reduced my overdraft limit by £20. Now I know this isn't a lot but it's the first time I've had it under £1000 in about 5 years so I am very proud of myself. And just wanted to say a huge thank you to the people on here! Without the advise and support over the past few months I wouldn't have had the strength to…
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struggling...seriously considering suicide
...over my debts...cant stop spending on the cards...never buy anything worthwhile, just try to cheer myself up...paying £100 a week in charges etc. C.C.C.S. has been good but only want me to make payment offers...reckon if I did this it would take 33 years to clear debts if no interest added...my partner has no idea about…
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Question on "Wescot Credit Service ltd”
[FONT="]Hi, [/FONT] [FONT="]sorry to bother you, but i have a noob question concerning DCAs. [/FONT] [FONT="]Today, my partner got a letter from “Wescot Credit Service ltd” asking to get in touch by phone by the 17/03 latest. [/FONT] [FONT="]It does not state what it is all about, just asking to give a call…
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Help needed! (Lowell debt collection)
I have had a letter from Lowell's Debt Collection claiming I owe them (or HSBC to be exact) £850. I had a HSBC account going back to the late 1990s after I left school and ran up an overdraft but paid that all off by about 2001. I don't know what this relates to and I'm a bit scared to contact the debt collectors to ask. I…
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Getting a default removed
I found some old forums that gave advice on getting a default removed. My other half had a default placed on his credit card account when he failed to make 3 payments a couple of years ago. He did fully settle the account but the default stood. As a result we are having trouble getting a joint mortgage due to this one…
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How times can a default be recorded?
Hi guys just a quick silly question. How many times can a creditor default an account? What I mean is ... I have a Nat West loan default April 2005 and I still owe £13 800. Currently paying just £30pm. I am not expecting to but, if I were to have a drastic turn of luck and couldn't even afford that after April this year…
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Disposable income
Hi, What is your disposable income before and after debt repayment? I'm just interested in how I compare to other people... Thanks :)
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Debt advice please....
Hello, just hoping for some advice from some people more in the know than me... I am in bad debt :( totalling about £22,000. This is as a result of some bad decisions in the past and generally not being great with my money. I know I'm stupid but there's nothing I can do to chnage it now so I've got to deal with the…
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Clearing up the file
Hi, This is my first post so hello to all :) Firstly, this is a great resource and has helped me greatly in reducing my debts. I have received conflicting advice regarding Statute barred debts, do they or do they not disappear from the file after 5 years (I am in Scotland) I have been told the debt will show on my file,…
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statute barred?
i had a dependents grant back in 2003 when i was at uni i was overpaid and the student loans company who give out the grant demanded it back even though they sent me letters saying it was there fault. i disputed the amount owing and got cab help. i was then sent letter from debt collection agency but they handed it back to…
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Can mail order defaults be removed? Help Pls
Hi I have just recently looked at my credit report from Experian to find that I have a default against me from a mail order catalogue for £72.00. The default is dated July 2007 so will come off in 2013 but i fear it is effecting my chances of better deals with mortgages and lending. I am shocked to see a default as I had a…
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Credit rating?
Hi, this may be in the wrong place but i'll give it a go! My oh is a member of creditexpert and wants to know his credit score, but they charge £5.95 for this, does anyone know of any way of finding out your credit score WITHOUT having to pay? Or at least not pay as much? Many thanks
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Monday 14th 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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Thanks for help
Hey all, Long time lurker but starting to post a bit now. With a baby on the way (due in May :eek:), I've been starting to take a look at my finances. I have nearly £13k of unsecured debt but have the means to pay at least £1k a month towards this. I've therefore set myself a debt free date of the end of the year. If I can…
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Help Newbie.. possible F&F?
helloo :) became a single parent last year. Moved into rented accomodation. Young kids. part time term time only employment topped up with wtc & ctc, hb and council tax benefit. Currently owe £1007.04 to cap one.. now with fredricksons currently owe £4k approx to halifax (loan) with Blair oliver scott currently owe £3k…
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newbie SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1400 Partners monthly income after tax....... 1000…
