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Direct Legal &collections
Any info on this firm etc the friend I am helping has had a letter of these guys today for a debt which is over ten years old no CJ had one of them last year also any suggestions on what to do?
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Help!!
Hey guys! i have got to the point now i am trying to sort out the debts that i have but the isue i have is for years i have thrown away letters etc and havent a clue who i owe what to! now when i add it up in my head and i also did it a few years back i owed around £10,000 i have just done an equifax and experian report…
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Personal credit record affecting my own company's credit record - advice
I hope there might be someone out there who can help with this query. To be brief I went onto a Debt Management Plan almost 3 years ago and last last year decided an IVA was a better option and that was agreed and has been running for 5 months. I know my personal credit rating is stuffed for 6 years but does anyone know…
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Credit reports
Hi, Sometime ago I was completeley financially tied to my partner and I had absolutely zero credit in my own name. Since then we have split up and I have my own credit profile, one issue is that I have an unpaid CCJ on my account of just under £1,000 which I intend to pay off very soon. However I have signed up to Credit…
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Monday 18 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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Ok so i need help now.
Right im now starting to seriously consider bankruptcy as a viable solution, which means it must be bad right. ill try to be concise to make it easy to understand and im going to lay out all my debt amounts and who or what they are for and my income as best i can. Ok my name is david and i am 24 years old, married with a 3…
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Shop Direct Fraud
Hello, I received the following letter dated 7th April 2011. It seems to be a bit different than some of the letters people have reported on here. Here's the letter: Dear Mrs.....[My Surname] Thank you for your enquiry. Unfortunately, our information shows that it may not be appropriate to fulfil your request at the…
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Change of Address
I moved in July last year and informed all my creditors by phone at the time. RBS Natwest Cards failed to update my address, even though my address on my other RBS accounts was changed. Since then I had my hours reduced and was briefly on a DMP through CCCS before being made redundant, and ceasing payments. I have been…
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Past relationship troubles
I split with my girlfriend last September, we owned a property together and our method of paying bills was, i'd pay half of my wage into her bank, to contribute to utilities, whilst I would meet the Mortgage payments and social activities etc with what I had left. When we split we both returned to our respective family…
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What are CL Finance like to deal with?
Anyone had dealings with these guys? Im leaving my dmp and want to pay them directly,has anyone done this before and how were they,did they respond,did they accept your offers of monthly payments directly?? This creditor will be my biggest fish.my other debts are minimal compared tothis one! Shall i write to them to offer…
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mortgage arrears
Well I sent my mortgage company our income and expenditure form and an offer of payment off our arrears. They wrote back and said no to the hundred and fifty pounds extra on top of our mortgage. Reason being they think we have four hundred plus spare. We are on benefits as both disabled so its not as if we have a massive…
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I want to be debt free!
Hello everyone, I have been a bit of a board lurker for a long time but have now decided to join and post! Basically, I was hoping someone could give advice as to what I can do to sort out my financial issues, if I post my earnings / outgoings. I am unsure whether this is the right place to ask this sort of thing, as some…
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Need some advice to clear debts
Hello everyone. (This is my 1st post) I have lived for the last 2 years with my partner and her 14 yrd old boy in a rented house. I work as a contractor for the NHS in Service Management (Take home pay usually £500 per week every Wednesday) and the missus works in Debenhams part time where she has been for 25 years! She…
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Cabot - credit card debt letter
Hi, I was so grateful of you help a few weeks ago now, when you advised me to get a copy of the CCA from credit card company. I received this yesterday (even though it was outwith the 12 working days limit) and I cannot remember seeing this document ever before, the date and my signature do not appear anywhere on it…
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Clearing debt and saving strategy
I'm really not sure how to go about this so I'm hoping I could get some good advise. I have total debts of £20,971.65 after reducing this from just under £25k. £8,417.55 is from a student loan at 4% interest and the rest, £12,554.10, is on credit cards. All my card debt is 0% until oct/dec 2012 with the exception of one…
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default or not to default!!!
Hi I have a couple of queries, I am trying to sort out arrangement to pay off two debts- joint overdraft with OH and cc which is OH both are with same bank. No other debts except small amount on my own cc which is all up to date (I did cheap offer balance transfer offer to pay off some of amount owed by OH on credit card…
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Some Advice
Not going to bore you with details but we had a situation where we needed to borrow money to fix the car as we didn't have enough in our emergency fund. Unfortunately we have no family to ask so had to use Wonga. We borrowed £450 which will be getting debited out of account on the next payday. we can meet this payment but…
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Why are banks so stubborn?
This is more a rant than anything but its just seems so inconceivable that while banks are normally so focused on making as much money out of their customers as possible, they won't accept money when its dangled in front of them. About 3 years ago I defaulted on a loan and a credit card with the Halifax. I got put on a…
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Methods of bill payment
Hello, I'm thinking of reorganinsing my finances in order to become debt free and one of the things i have been thinking about is making a regular payment into an account to pay my bills. An example of this would be cancelling my direct debit of £71pm to EON then paying a simliar amount into an account that pays a fairly…
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Have you ever had and argument....
And suddenly found out exactly what someone close to you really thinks?? I've just had an argument with my Mother (she has now walked out) bascially it's been about how I apparently speak to her like she's a child, how I never get anything around the house right... she turned round at one point and said she can't afford to…
