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paying off a debt (£8000)
I currently have 1 debt (a fairly big debt in terms of my age etc) which is bank loan of £8000. I am easily able to afford the normal repayments (it is a low rate of APR I cannot remember exactly what it is until I’m at home and can look) but I would like to pay this off quite quickly. I’m not sure what the best way would…
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Wrong contract signed and being hassled for payments
Hi, This is my first time using this site so I am hoping that I am in the right forum! I would need some advice on a contract I signed with a private college. I originally agreed to pay upfront for 3 years and signed the contract for this. I however changed my mind to pay over 3 consecutive years and no new contract was…
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When an account in dispute
13.6 We may give information to credit reference agencies about the personal debts you owe us if: • you have fallen behind with your payments; • the amount owed is not being disputed; and • you have not made proposals we are satisfied with for repaying your debt, following our formal demand With alot of people on here…
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CCJ - When can I change from defend to admit?
Hi, Carrying on from a previous thread from me about court claim from Mint CC. I expect to be able to pay in full sometime between judgement date and 28 days after (to avoid CCJ going on credit file). From house sale proceeds. I want to try and give myself as much time as possible between now and the 28 days after…
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Negotiating settlement fee. What info should i disclose?
Hi We have made an offer to a finance company for settlement of a 12 year old debt, which I have been admonished from due to bankruptcy several years ago but my wife is now responsible for. They have sent us a letter asking us to fill out an expenditure sheet for them to consider their decision with. Fair enough, but what…
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Do you have fax no for MCS (Metropolitan Collection Services)/HSBC
Hi there, wondering if anyone can give me the fax no for MCS? Really don't want to talk to them on the phone anymore They dont have it on their website https/paymcs.com Phone got cut off while I was waiting for them to give it - dont know if that was deliberate. Thanks in advance. :)
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HSBC Overdraft
Good Morning, I want to start reducing my overdraft by £50 every couple of weeks, but wonder if a credit check will be done everytime? Also does it count as an overdraft request? Because I could be charged £25 each time, if its more then once every 6 months I think. I no some people will say save and then cancel when I…
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help on limitation Act
Hi all...I need help with the Limitation Act. Debt collecting agency issued County Court summon against me in October 2006 for the two accounts in my name amount £18000. I reply back to the court with this statement “ I HAD PAYMENT PROTECTION INSURANCE BY THE CREDIT CARDS COMPANIES IN QUESTION. I FILLED THE CLIM FORMS AND…
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Urgent advice needed on payday loans.. At my wits end so stressed :(
arghhhhhhhhhhh there is no light at the end of this long tunnel for me, i really don't know what to do. ive got 5 payday loans outstanding. dont know how i am going to pay them off - dont ask why i have 5, my life went right down the s*** and now im in even more s*** and have no idea what to do, cant stop crying not eating…
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what happens after they enter default
Sorry if this is a little late. however the advice i jhave always been given on this site is tonever get into telephone conversation if someone is alleging debt against you. firstly tell them "hold on a second whilst i get my recorder" wait a few seconds then remind them as they will you that they are now being recorded..…
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Buchanan C & W are really upsetting me!
Hopefully someone can help with this horrible company who are intent on making my life a misery. I owe O2 £58 and have just started a DMP but O2 claimed the debt after I had told CCCS all of my debtors. I thought as it wasn't a lot of money that I could manage that myself. The debt was passed to BC&W and on the 15th of…
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my friend getting constant calls from barclays and more
She split from her husband and they have a lot of debt in her name as his credit rating was worse. She asked to be taken off the barclays joint account and thought it was sorted. This was at the start of last year. AT that point she had put money in so it was in credit. He continued to use it and racked up debt on it. I…
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Help required - who are the best personal finance tweeters?
Hello everyone, this is my first post on here although I have been a regular reader of this forum over the last few years. I came on today to see if I could find some information regarding who are the best personal finance/debt advice tweeters but couldn't find a thread on it. I am trying to compile a list of about 50 or…
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Finding a CCJ as a result of being a guarantor on ex partners loan - Please help!
Hello, I am hoping for a bit of advice. I am looking to get on the housing ladder and get a mortgage at the end of the year so decided to perform a credit check on myself. I used to be reckless with credit cards spending etc going back many years. I have been paying everything off and have not defaulted on anything for…
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Mackenzie Hall
hi iv recieved a letter from these people this morning saying i need to contact them.regarding a personal matter. whats the best thing to do. any advice welcome im now really worried as its in my maiden name and i cant think of anything i would owe anyone
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Tuesday 29th 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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Would be grateful for any help
Hi, I am new on here as I am trying to deal with partner's debt. I have no idea where to start as I've never done this before. I have obtained his credit report and I would be grateful if someone could help me understand it. The situation is pretty bad but I promised him I'd try sort it out as much as I can (he is unable…
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Advice Please: Partners Debt
Hi, My partner had a few issues with her previous partner. she took out all credit in her name and then the relationship ended leaving her with a load of debt which she was unable to pay. This has since resulted in a couple of CCJ's and a number of debt collectors sending letters to our house. We are trying to sort this…
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Struggling - in need of advice!
Hi all, I've got myself into a never ending cycle of debt and can't see my way out at all. It would be very helpful if anyone could point me in the right direction. Basically, it all started about 6 years ago, when I got my first credit card with every intention of paying it off in full each month. At first I did do…
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If I take out another debt will you ever forgive me?
I feel right on the edge of breaking point and I'm seriously thinking of taking up hermitage in the living room. :( My pushchair (baby 6 months old) is just plain not tall enough for me. This morning was the third morning in a row I have both gone to bed and woken up again with enough back pain to cry and it's the bloody…
