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How to improve credit score
When i was 18 i took out a bank loan, catalogue, credit card, two store cards and a contract phone. I paid the loan without missing a payment up until about 3 years ago.... got bank charges etc and these debts were sold on. The credit card was not paid, along with the final contract bill. the store cards debts also wnnt to…
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Can anyone help re deceased persons dealing with Capquest?
I'n not sure if this is the correct forum to post this query but........ My aunt has recently passed away, and my uncle, whom is dealing with her affairs has discovered from her bank that she has been paying an amount to Capquest Investments via direct debit each month. We have absolutely no idea what this could be, though…
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Some Advice Please
Hi all, hope all is well with everyone. Could someone give me some advice please? I have a debt of around 6,000 with 2 credit cards (Natwest and Sygma Bank). I recently lost my job in January and have only been working temporary. Anyway, I have told them both I cannot pay the minimum payments or keep up any sort of regular…
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Litigation
My Credit Card Co are considering an attachment of earnings to get their money back, if they go with this option does it have to be agreed by the court, and will they or the court take into consideration what money i have left after paying priority debts, which is very little, some months less ? Im not disputing what i…
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My SOA - again without the typo!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 530 Partners monthly income after tax....... 950…
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Credit Report Problem....
Basically about 7 years ago I had a loan with a company 'can't even remember who' and I paid them off, or at least I thought I had as I no longer heard from them - they used to come to my house to collect payment. Anyway, I requested my own credit report, and was shocked to find I still owed this company £35. Now £35 isn't…
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Red Debt Collectiors - Help Please
Hi, I'm new here and I'm hoping that you will be able to give me some advice. I received a letter today from Red Debt Collection stating that I owe £338 for an Abbey National current account which I held around 12 years ago. The letter is addressed to me in my maiden name (I've been married for 8 years). I had two Abbey…
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Direct Debits
Hi - I'm new to this and need some help. I am setting up a DMP and have opened a basic bank account with the Halifax but they cannot offer me a switching service. How do I go about switching my current direct debits to my new account? Would appreciate any advice you can give.
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My SOA - any advice please?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 530 Partners monthly income after tax....... 950…
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Parking ticket appeal
Hi guys, I know this may not be the right section but im gonna ask anyway. Hoping for a little advice here. I went into one of the local carparks and paid my £1 for 2 hours, (my ticket is valid from 11:17 - 13:17. I get back to my car to find i had been given a parking ticket. ( i put the ticket to high up my windscreen…
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Cap Quest and Additions Debt.
Hi, I'll try to keep this short. My hubby has just had a letter from Capquest titled 'letter before action'. It goes back to an Additions catalouge hubby had. We were struggling to make the repayments this time last year, we would pay £50 off most months only for £35 interest to go on. It just wasn't going down so we…
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Debt collector calling family members.
Hi, i'm not sure if this is the right place to ask this. My girlfriends brother has got into a bit of bother with a phone bill, now a debt collection company called the house which he shares with his dad, they both share the same name, bar the middle name. The agent called and asked if she was speaking to the, for example…
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Call from DM Ltd... what to do?
Hi folks. Not sure where to put this thread but hopefully someone can help or direct me where is best to put it. Basically I received a phone call from a company called DM Ltd. They told me my name and asked me to confirm my address for security reasons. I never give out any details on the phone so I politely declined.…
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Confused where I stand with an old Default (Orange PCS)
Hi all, A few years ago while trying to get my financials in order and in good standing I sort to resolve a default with Orange PCS, this default dated from some time in 2005 and was for £13. Anyway, being a good boy and doing what I thought was the correct thing I settled the outstanding amount and Orange assured me they…
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My Black Hole
Hi guys Have found myself in a hole and not sure which way to get myself out. Thanks to serious road accident and not earning, i'm completely penniless. Car is almost out of fuel, very little left in the kitchen cupboards and £2 in the bank. Have already had to borrow from friends and family to pay bills, as the companies…
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Need to get ontop of this
Finally decided that its the time I should get ontop of my debts. My partner recently went bankrupt and sorted all his, but I dont want to go down that route. A little bit of background. We rent a property as not in a position to get a mortgage. He has 4 kids from a previous relationship that he pays CSA for. The children…
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Time to restart!!
Hi all, I have been part of MSE website for a few years now and had started making my life better. However, since then my life has turned and even though i am not in what martin would say 'Debt Crisis', I do have problem debts. I have had my wife walk out on me (Not financially related) which left me with my debts and two…
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Call Credit Check HELP
OK I am losing my patience now, I'm not sure I am in the correct section but here goes. I opened a trial account with Call Credit Check which I intended to cancel once I had a quick look, I am already subscribed to Experian which is fine. I regsitered with my card details a week ago, however my password didn't work on…
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First real debt as an adult - getting scared
Hi all Yesterday a family member found a recent credit card statement which is maxed at £1400. I had been hiding it from them as I didn't want to create tension at home (my family have always been very good with money) but now there is some very bad atmosphere at home and now I realise it's finally time to get it sorted…
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Debt Managers Ltd letter received, advice please
Hi All, My OH has received a letter from Debt Manager Ltd today that says: We are attempting to contact the above named person and our recent investigations have resulted in your details being obtained from a credit reference agency . Your address has been provided by them due to a link with the data we hold, as a possible…
