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Which DCA is likely next?
Hi, I have a Tesco credit card debt that went into default a few years ago. After Triton (who I understand are Tesco's - or rather RBS's - DCA) demanded the full balance which I didn't have, I set up payments with Newmans (who were fine to deal with). After 18 months of these payments stretching me to the limit (and over)…
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First Step Finance - debt now worse :-(
Hi Folks First post on here so please bear with me. To cut a long story short, i fell for a sales pitch saying that my debts coulds be reduced if proved unenforcable. Debts are : Loan with Lloyds TSB, Credit Card with Lloyds TSB, Overdraft also with Lloyds TSB & Small amount on a Barclaycard. Having signed up with First…
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Creditors visiting my home?
I am trying to setup a debt plan with CCCS currently I make a preset monthly amount. SOme of the company have been fine but others are just rude. Now I am getting letters saying they may call at my house and this worries me. Can they do this?
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Hello - starting from scratch today
Hi I have been a member here for over a year and have just set up this ID as I'm too embarrassed to discuss my debts generally otherwise, silly I know, but I have my reasons. I've been a typical 'stick my head in the sand and ignore the problems' person as I've not had any money to pay off my debts, my attempts to sort…
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letter from Aktiv Kapital
I recently received a letter from Aktiv Kapital regarding a debt with GE Capital for £380 of which I knew nothing about. After checking them out online and having established they are a genuine company I thought I better call them to straighten things out. (Wish I hadn't know having come across this forum!) Apparently this…
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DCM Nottingham / DCM Money Solutions in administration?
I have been a customer of this 'company' for a few years, yes I know they are fee paying, more fool me. I've been trying to contact them the last few days and now their website says they are in Administration. Does anyone have any more information on this ? I'll be ringing CCCS tonight.
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Seven Trent Water, ESA Deductions
Hello, this will have to be a quick question, I will explain more later. I am on ESA at the moment, after deductions of a social fund loan I am left with £96 to live on every two weeks. I have gotten in to arrears with them and they have decided to start taking £7+ out of my benefits a week to clear this, I specifically…
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Do banks etc profit from selling details to credit report web sites?
Hi people, sorry if this thread is in the wrong place/already been asked, first time poster. My question is as the title suggests Do banks etc profit from selling details to credit report web sites? The reason I ask is that Mint CC has posted incorrect defaults on my credit report (yes I had some duely but they even posted…
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Open University has demanded oral!!!
My younger brother ran up a debt of £400 with the Open University. He had one of their budget accounts to pay for his studies. He paid half of it and then fell ill and was unable to keep up payments. He has bladder cancer. He fell behind with his payments and the Open University obtained a CCJ against him for the debt. He…
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Managing Debt - What to pay first?
Iv got some debt which I now have under control, and paying a fair chunk off each month. Im just curious as to if I can save money on interest etc but struggling myself to get my head around it. If i start by listing the debts I have and interest etc hopefully that will help :) £1000 - Barclaycard Initial (29.9%APR) £150 -…
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My blog
Thought I'd share here as I use this forum quite a bit.
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CCJ Advice please
Hi, Recently my circumstances changed and I found myself coping with all the household expenses and I could not carry on paying my debts. I have since set up payments with several of my creditors with the help of National Debtline however I have one creditor that has applied for a CCJ. I received the court papers which I…
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Experian Report
Hi All, I did an experian report last night... And noticed that all depts over the 6 yrs have gone!! Yahoo!! :j But I still have some remaining :( (inc 1 CCJ) but a few of them are are listed twice?? :eek: Any ideas? Thanks Simon
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Slot machines.....
Hello. Long time lurker as they say but have been reading the dfw section for a good while now. I am in admiration of peoples light bulb moments and how they are tackling their debts. I used to think my situation was different but really it is not. My secret i guess for the last 6 years has been the fact that I am…
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Bailiffs fees - urgent help needed
I'm self-employed and struggling like many at the moment and got behind with Council Tax. The debt was passed to Rossendales. The first visit was made by them in late January when I spoke to him. A second visit was made but I was out and forms were left for me to send to arrange a repayment plan. Sent the forms back with a…
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Living for payday!
Hi Everyone! I have been battling the debts since Aug 09 and every now and again I just fall into a slum, unfortunatley this is one of them times :( I knew this month was gonna be tight but now its here im just finding it so hard and I just want it to go away already and April to arrive, hate wishing my life away like…
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Mental Help!!
Hi, I have struggled with money ever since I can remember - I have created budgets til I am blue in the face. I simply cannot save or manage my money. Is there any sort of psychological help that I can get - I honestly feel like there is something wrong with me! Help
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Help Needed With Debt
Hello All, Was wondering if i could get some helpful tips to get myself out of debt. At the moment i am £2150 in my overdraft (overdraft limit is only £1650) owe £5900 on a loan and also owe £2500 on my credit card (i tried applying for a virgin credit card to do a balance transfer on my credit card last night but they…
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Tuesday 8th March - What small DFW things have you done 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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paid of a dept ,now there asking again HELP PLEASE
first of all sorry if i posted in the wrong post ,very new to this, when i moved in with my partner she had a lot of dept,so i went about geting it all cleared,we made final dept payment 3 weeks ago after 2 years of paying of various dept collectiors ect,then today 8-03-2011 my partner got a letter saying we owe £350…
