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Help with taking someone to small claims
Hi i'm not sure if this is the right forum, but it looked the most likely and friendly:) Last year my DH lent some money on his credit card to a friend to start a business, the business closed a month later ( a short let barrow in a shopping centre that wasn't making enough money). The friend made several payments to the…
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Apex Credit management unable to provide CCA but still chasing me for payment
I bit the bullet a couple of years ago after hiding away from my debts, I am getting there and it's been a struggle. I had been paying £33 a month regularly up until Dec last year and Apex contacted me out of the blue saying that I must provide details of my income/expenditure so that they could decide if I should increase…
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A friend in debt
After some advice for a friend. The details i have is £5000 pounds on credit cards and she has been approached by Personel Debt Helpline. Who say pay £300 a month for 17 months and they will freeze the card interest. Havent done much research yet but there will be fees somewhere no doubt, How much? Is there a better…
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trying to rent - bad credit - advice pls
Hi just wondering if anyone has any advice on this... My partner and I are about to start renting (previously rented privately) and as I have bad credit history (loan defaults now paying arrears and missed payments in the past as well as an arrangement I have to pay back an unauthorised overdraft) my partner has plenty of…
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Resolve debts without telling husband?
Hi, newbie here and I'd very much welcome any advice anyone can offer me. I'm ashamed to admit I have run up unmanageable levels of debt which my husband doesn't know about (we bank separately). I am self-employed and earn very little, and although I am currently pursuing a lot of different avenues to bring more work in, I…
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Full and final advice
hi guys, in a bit of a quandry and could use some advice! I sent a letter off the credit security offering a full and final of about 30% of what I owe them as a full and final. They called me today and said that they'd take 1100 for a debt of 1500. They've told me there's no room to negotiate in this. Is this true? Or if I…
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Credit Resource Solutions - Need Help
Hi , Im currently having an issue with a DCA called credit resource solutions.. To cut a long story short at the beginning of last year I had motorbike insurance with Hastings Direct, i cancelled in August 2010 and rung through to cancel.. In the paperwork I originally got from the company it stated there would be a £35…
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Some advice please - Lowell Financial
Hi, I've been an avid troll on here for quite a while, and used the information to help me negotiate my debts etc. I have been quite please with myself in that I have managed to budget my money and negotiate with the ones I owe money to (Couple of credit cards, loan etc) Hopefully debt free in about 8 years. However, I had…
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CCJ without my knowledge...HELP please!
Hi everyone, I'm really hoping that someone can help me with this, I'm so scared! I stupidly got into two catalogue debts back when I was a teenager. When I went off to Uni I stopped answering the letters, and they eventually stopped writing so I stupidly thought that I was off the hook. One catalogue had an original…
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Question regarding Doorstep coolectors
I have a question, but first a little context. Both my husband and I got into a lot of debt. We both came out for work in late 2008 (thankfully it didn't take me too long ot find other work, but my OH has been in and out since then). We let things get into a right old mess and a mixture of that and a lot of stress and…
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Default Removal - Template Letter
Hiya :) I have a default for £60 on my Equifax file from Virgin Media from Jan 2009. I had no idea that this was on my credit file until I checked it the other month. I had been a customer with Virgin media on a Direct Debit and then attempted (and apparently failed!) to cancel it when I moved. I've never received a…
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Please help with a debt I have on a CC
Ok I was very very silly when I was 18 (23 now) and I maxed out an Aqua Credit Card, I have owed roughly £1400 since I was about 19 but I have stupidly ignored it, I haven't heard off them for about a year now so I just completely forgot about it, In the last year I have paid my overdraft off and sorted out other messes I…
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CCJ that is not my debt!
Hi there, I hope someone can help im getting desperate :( I have searched numerous sites and this forum to no avail, perhaps one of you guys can shed some light I have recently obtained my credit report via credit expert as advised on here (very good service i might add) and have seen a CCJ in my name from Northampton…
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Advice needed re DCA
Hi I joined this site a couple of years ago when I really had hit rock bottom. I was in the process of setting up a DMP with CCCS through the NDL. I didn't end up going through with the plan in the end as my Mum found out about my debts and gave me some money to pay the majority of them off. (I am paying her back each…
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Loan declined - credit check help
I have just been turned down for a loan - am I able to check the credit history of my household and its members? Or when you do a credit check will it just list my debts / creditors etc
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Bailiff This Morning - Stat Dec?
Well this morning I had a bailiff turn up for my court fines. Was actually pretty decent and on a level. He told me about at a statutory declaration and to get in touch with a solicior today and sort one out. I can get one sworn locally, but am confused as to what im actually doing. I am on no benefits due to not wanting…
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Major help needed
Hi, Im in need of some major advise where i stand.. basically husband got a van on hire purchases for his business loan was set up through Fords, but Lombard who agreement is with. We have fallen behind on payments over last 3 months. when husband tried to ring to call he never passes security questions so they could not…
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Arrow Global and Wescot Credit
Hi My first post here so I hope you can help with some advice. I had debt issues 4 years ago, and while I had cleared most of it there are still some outstanding. One of which I had believed to be nearly 6 years old and therefore could not be persued, though is still on my account. I make no apologies for saying that I…
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Monday 7th 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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just discovered other half's debt
I'm more of a lurker than a poster here. I can't sleep for thinking about this, was looking for something earlier and opened an envelope thinking it was something else but it was an update from the consumer credit counselling service. It appears OH is on a debt management program, owes approx 24k which i think is possibly…
