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o2 and Fredrickson International
Firstly let me just give you some background information. I am a student and I live in my fathers house. Now, he pays for most of the bills that come out of running the house and I chip in where necessary. I have had a phone contract with o2 for roughly 6-7 years that is in the name of my father, but I pay for it. It's in…
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Creation Consumer Finance
Has anybody had any experiance of Creation Consumer Finance and their debt collection tactics. They are about to default my account, and i just wanted to know what to expect next. Do they tend to go for a ccj or pass it on to an external debt collection agenct?
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govermentdetasistance dot co dot uk
Hi guys, I'm really sorry if this is in the wrong part of the forum, but this is my first time here so I was a little unsure of where to post it. Has anyone come across or used the website 'governmentdebtassistance dot co dot uk' before? (It won't let me post links.) I stumbled upon it but am a little wary of putting my…
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A couple of DMP questions.
Hi, I have just used this website as recommended in one of the stickys http://www.cccs.co.uk/ and it has suggested to start on a DMP. I have a couple of questions that I am unsure about if anyone could help please. 1. Does having a DMP make a mark on credit reports? 2. What would happen if OH was able to do a bit of…
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Barclaycard not defaulting
I have been in a self administered debt management plan since last July paying £1 /month token payments to all my creditors. Most of my creditors defaulted me between Sept 2010 and Jan 2011 ( which it understandable and i accept this). However Barclaycard are refusing to put a default on my file and instead continue to…
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Experian Credit Report Question
Hi there I have a few questions about my credit report that I can't find an answer to on Experians FAQ's page - the questions I have relate to previous entries on my report that have now been deleted. I had quite a few debts that got out of control - considered bankruptcy but chickened out despite the lovely folk of MSE…
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Debt payment help please
Hi, I have used this site and forum over the years for the excellent help and advice given but I have never posted before. I will try to keep this short and simple. I got into financial difficulties last October after losing a great deal of my income. Fast forward to today and I have several credit cards, catalogues, one…
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Grrr Santander!
I have a debt with them which has been handled by Equidebt and offered a F+F settlement offer only to be told "Yeah we'll take the money but it wont be marked as satisfied till you pay the full amount, its just the way Santander is" Err, wat's the point in me offering an F+F then?! Sorry, just a rant! :mad:
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Overdraft default date and statute barred
Hello, I know i should start a new thread but i just can't see where to do this... I will try to keep this as short as possible and will appriciate any advice that you may have. I recently applied for a mortgage and it was approved. I was then contacted to say that subsequent adverse credit information had come to light…
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debt help
hi looking for advice for a friend, basically he has been advised to contact credit cards and other people he owes to offer token payments. His problem is one of them are DFS, and payments are collected by Santander. But he also has car finance with santander, will defaulting on one have any effect on the other account?…
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CCA for accounts question
I have been trying to clue myself up on the various information sheets available about CCA and I have found a few times that accounts opened before 2007 would require a CCA with a signature to be able to be enforcable? Does anyone have any 'plain' explanation around this please? My CC card was opened in 2003 so way before…
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statute barred
If a debt is statue barred from when do you take this from your last payment, letter communication or default?
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Debt in the Uk but living abroad
Hi can any one offer me any advice, i now live abroad and i am paying off my debts in the uk, but its been very difficult as i earn alot less here than i did there. I have got a plan with all my debtors but sometimes i just cant afford to make the payments, if i was living in the UK i would be able to consider an IVA but…
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Repay overdraft vs buy a car that's cheaper to run
I did a search for this but couldn't see anything similar so I apologise if this has been talked about before. I left uni in 2009 with an overdraft of £1500 and credit card of £300. I am now in a full-time job (though not a job with a graduate salary) but I appreciate that this is a better situation than most. I am…
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Credit report - advice needed!
Hi guys, Hope this is the right place to post this. I have just come to the end of a long debt management plan, feeling pleased that I had managed to pay back my debts. I got a copy of my credit report from callcreditcheck, and there's several things I'm trying to check out as a result. I have a financial link on there to…
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Barclaycard
Hello everyone, Ive ran into a bit of a dead end with Barclaycard, and Ive heard this is a good place to come for advice. Since the new year Ive been determined to get my debt under control. Im down to paying a loan of £1500, and 2 credit cards one at £200 and one at £500. The credit card at £500 is with Barclaycard, and…
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full & final offer
Hi there, I would like to ask if this letter is ok to send to one of my debtors, its Moorcroft and the debt is for £570 [FONT=Times-Roman, serif]Dear Sir/Madam[/FONT] [FONT=Times-Bold, serif]Without Prejudice[/FONT] [FONT=Times-Roman, serif]Account No: XXXXXXXXXXXXX[/FONT] [FONT=Times-Roman, serif]I write with reference to…
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Not sure what to do about our debt
Hi everyone I've lurked here for a long time but have only just decided to post about myself. I've read a lot of posts and diaries here but my situation is a bit complicated and I'm tired thinking about it now. I don't think there's anything else I can do about our debt, at least until something in my personal situation…
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Tuesday 5th April - 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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Getting credit report vs limitations act
Hello, I hope someone here can advise me :) I had a 1600 interest free overdraft with a Natwest student account. To the best of my knowledge, the account was last used about 5.5 years ago. I don't recall making a payment, or acknowledging the debt in writing since that time. Presumably interest is now running on the debt…
