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Advice needed re: rent arrears. Loan? Credit card?
Hi everyone, Last year I finished retraining in order to get a decent job. I'm now working full-time, but I have a couple debts from when I was a student that I need to get sorted ASAP, which I cannot currently pay off quickly enough, so I was hoping for some advice on here. My landlord is extremely nice and barely lifted…
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Debt letter from NCO, help?
Hi all, My partner received a letter today from NCO in Preston. It says they are chasing a debt which was originally with Orange for £93.54. We haven't heard anything about this since 2006. He had a phone with them and requested the contract cancelled, which they didn't do. He paid in full and they kept charging every…
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Feeling miserable- HELP!
Hi all. I had my LBM not so long ago, came on here and got some brilliant advice and encouragement. So thats all great. But now the novelty of living on a TIGHT budget (VERY tight) is wearing off (and especially with the nice weather upon us and i can't afford to do anything with the kids)...and i am losing enthusiasm! The…
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Mackenzie Hall - failure to respond notice
Hi everyone. A few weeks ago I received a letter from Mackenzie hall telling me to contact them regarding a 'personal matter'. After googling them I tore up the letter and got a credit check done to make sure. I only have one debt I'm paying off and couldn't think of who else I would owe money to. I have now received a…
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can a debt be defaulted when statute barred
Have a question, can a debt company buy a debt and default it after 6 years if no contact has been made by the debtor and it is statue barred?
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I've been asked to provide a Financial Statement...
Morning everyone, Just a quicky here I received a letter from a debt company this morning . I called them and made an offer. She then told me it wasnt enough. I told her this was too much and she told me that if I fill out a financial statement for my household, and send it back, they will see what they can do. Thanks in…
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Pay Day Loan action needed
Hoping somone will be able to help me with this. I have a few payday loans that i am paying each month and end up borrowing again to pay other bills. I know (stupid,stupid but its done now) Anyway, i am going to open a new bank account next month and will get my wages paid into it but this month it is too late to change my…
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Full and final settlement
Hi All, Ive got about £7500 outstanding on my Natwest Over Draft and Loan which Triton are dealing with. When they took over the debt about 9 months back they said if i paid them half they would clear it. I didnt think anything of it as i couldnt afford a lump sum but i now have a part time job (aswell as my full time job)…
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Is DLA counted as income by creditors?
Am filling in paperwork for CAB and wondered if creditors count DLA as a source of income. OH has cancer and it has been awarded and we will need to employ carers sometimes and he has lots of other costs relating to illness. Should I put these figures separate and leave illness related costs to another section out of…
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Pressure from 'Friends' and people you know
So, over the past 3 months we have struggled with balancing overdrafts and credit cards to pay for doing our house up. This has left us pretty short every month (we literally had nothing when we bought and the house needed renovation). The reason for this thread is I just wanted to get some feelings from everyone... we…
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Taking Voluntary Redundancy and looking at my budget!
So... today is the day I need to put in motion some cutbacks ahead of the June 5th leave date. On very very basic calculations - I have about 1 year's of coverage if I only have the basics. So right now here's what I think I MUST keep: 1) Mortgage - currently overpaying by about £250 a month so dropping this back to what…
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2 defaults on same account.
My friend obtained his credit file his one account which was to a credit card shows a Default in june 2005 and on his file it shows the default to fall off in june of this year , the debt is owned by lowell which I have noticed put a default on the payment history in oct 2010 4 months after they seem to have purchased the…
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Tuesday 19 April - What small things will you do 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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Default / Delinquent Balance....Equifax
Hi everyone, I realize this has been asked before but none of the previous threads fully answer my question so apologies in advance. Having checked my Equifax credit report I see the following: Communications Supplier from O2 (I) / XXXXXX#### Name: ######## Date of Birth: ###### Terms: 0 @ £ 0 (Monthly) Status: Up to Date…
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step dad sick help with money issues for mum
Thread Stats Views: 0 W W Factor Coming Soon... Share This Thread: [URL="http://www.facebook.com/sharer.php?u=https://forums.moneysavingexpert.com/discussion/3181800 [/URL] [URL="http://twitter.com/?status=https://forums.moneysavingexpert.com/discussion/3181800 [/URL] Hi just looking for abit of advice , my step dad has…
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Are the money group any good??
After getting a lot of payday loans (DO NOT GET THEM EVER PLEASE), I am in a rut. I need a good DMP and am thinking of doing one with the money group. Are they any good? The CCCS is isn't an option as I took out additional credit and breached their contract and neither is payplan as My debts are just under (for now) the…
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Unsigned letters - CC won't action
Hello DFWs Ive started receiving responses to my token payment letters, some have ignored it completely other than banking the cheque (MBNA), some have said they will stop charges for a temp period (Egg) but I received a response from both HSBC and Mint today both saying pretty much the same thing - that as my letters to…
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Credit Report Advice
Hope someone may be able to help with this one. My friend moved to france about 3 and a half years ago and is now moving back. He has been reading stuff online about getting a clean credit history on his return. He told me that the credit report is based on the electoral roll and that if he gets registered at a new address…
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Another HFO services customer
Hi everyone. I have just started recieving calls from HFO services. I recieved a letter from them around 4 years ago which i ignored, claiming that I owed them 2300 from a barclaycard account. I do admit having the account with barclaycard but have ignored all letters relating to this account. I have checked my credit file…
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Bristow & Sutor Bailiffs-C.Tax Debt-Vunerable People
Hi, Wonder if anyone can help? We got a little behind with our c.tax for last year and the case was sent to Bristow & Sutor by court order. We contacted B&S and made arrangements to pay. We made a couple of agreed payments then in# Dec my OH lost his job. I contacted B&S and they agreed to 3 months reduced payments ( 40…
