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Does anybody know anything about Rockford Debt Collections?
Hi, my parents are dealing with these guys and I would like to know if anyone has any experience with them? They are based in Bradford and talking to them on the phone was hard work to say the least. Any stories/problems would be very helpful. Thank You.
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19 year old in NEED of help!
Hello All! First post so please go easy! Right, where to start! Basically I'm in alot of trouble! Per month I'm on £741.59. Outgoings are: Rent: £160 Car Insurance: £65 Deisel (Roughly per month): £80 Mobile Phone Bill: £35 (minimum) These are my priorities costing £340. This leaves me with £401.59. Now this month is going…
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Demanding a payment for services from over 18 MONTHS AGO,where do i stand ??
Hey all really hope this is the right forum to be posting in as i need some advice on a matter im really stuck with ! In november 2009 I attended a private hospital to have tests done on 2 lumps found in my breasts, i chose to go private as i was only referred by my GP in the october, but the NHS wait was 10 weeks, and…
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Paying off debts
Hi all, first time poster so please be gentle. :D I'm looking for some advice on behalf of my partner. She was with her ex for approx 4 years, 3 of which they lived together. during that time, he did not work, so she was working 13 hour days, 5-6 days per week. Including travel time to and from work, she was out of the…
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panicking newbie
new to this site. i've recently become unemployed and am panicking about everything! *warning i write alot* i dont know how i'm going to have enough money to live on, pay rent/bills. and i have debts to pay off aswell. help! please help with anything , advice on paying debt, living cheaper ? and how do i stop myself…
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new business? should help up our income?
Hi I am a regular poster but wanted some advice , and I worry who can see this! Basically I am obviously in debt as is my husband around 8k between us. My husband works fulltime in ICT, he is on a very low wage considering his hours/ skill and experience. I am not the only person who thinks this, however he cannot ask for…
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Blair, Oliver, Scott - right to be paranoid?
These guys have just started up /calls letters again to me gf's mutha. She is on a payment plan etc & keeping up the payments etc, but you know what these people are like. Anyway, they have told her they are phasing out cheque payments, so she has arranged to pay them by bank card every month and I've just found out she…
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CCJ Help
Hi I have a CCJ from August 2008 which i will be paying off in full tomorrow. Currently i am also looking for a house on mortgage but not sure whether my CCJ would hamper this as it would still be on my credit file till 2014. Would renting be the best option? Although i prefer not to if that was case. Thank you in advance
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Council Tax, bailiffs etc (long story)
I'll try and be as thorough as I can here, but please ask any questions if I miss something or you're unclear. Basically it all started last September when my partner got a letter from our local council saying he was being investigated for fraudulently claiming Council Tax benefit. Apparently we didn't declare that we'd…
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Newbie needing advice!
I have been lurking around the threads for a while now and have finally taken the plunge and done a budget and it scared me! I'm looking for some advice on how to improve my finances and hopefully work our way to being debt free (well most of our debt is the OH's but thats not the point). Can you have a look at my SOA and…
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advice needed re ability to pay more on a charging order
Hi I have been in DMP with CCCS since Sept 2009. An unsecured loan I had along side my mortgage was turned into a secure one via a charging order last year. I have been informed that my mortgage payment is set to decrease significantly in May as I have finished the fixed term. There goes my dilemma, my new payment for both…
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Savings Account advice needed plz
I am looking to open an online savings account , I dont want anything fancy just something I can put any odds and ends in. Credit rating is currently shot to bits so not sure who would be best if anyone will take me . Had a look at Tescos bank but would be grateful for any advice. Not too bothered about i it as its just a…
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Changing from My money to *OUR* money...
So we are having a baby and my OH and I have decided I will have control of all our money. Basically on his payday we work out what he needs to leave in his bank for D/D (car, mobile, insurance, bank account charge etc) and the rest comes to my bank account to control. He is self confessed rubbish with money and 2 weeks…
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Weekly Spend Challenge W/C 3rd April 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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DMP - help
Hi Everyone who have the worldly experience of a DMP. We are in debt like most on here and have completed the on-line form with CCCS and it has recomended a DMP. we have paid the token payments and written all the letters to our debtors and I have filled in the pack I need to send to CCCS. I am due to post them tomorow and…
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Baines and Ernst
Hello, is anyone still with these people? I am currently in the process of sorting out my debts to leave them. Until then im still paying my monthly instalment. They sent me a letter asking me to switch from standing order to direct debit? WHY? Why change the way they get paid? They still get the money every month!
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A new Debt Free Wannabee - Introduction
Hi all, I'm new here, so sorry if I've missed a newcomers intro thread. I think I've had my light-bulb moment, but am still trying to put together the budget and determine where everything's going. One of the things I do notice as a recurring theme to my debts is the constant attempts to get out of debt, but then new debts…
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Ex's Debts
Ive recently moved in with my partner and all is well except that his Ex has left loads of debts in her name and the letters keep coming and being sent back , she has changed her name several times to avoid paying her debts. She used my Partners credit Card fraudlently hid bills from him so that he wouldnt know and all…
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Have I just done the right thing???
Hi all This is my first post so forgive me if it's a bit long winded. I have a total of £8623 in unsecured credit card debt, plus a £500 overdraft and a further £634 owed to family. Back in January this year I was all for sorting out my debt and tried getting various loans to consolidate my debt which didn't work out, I…
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Cleaning my credit rating.
Hello, I'm sure you get a lot of threads started like this so i apologise if it's a bit repetitive. I'm trying to clean up my credit rating which i damaged years ago in my teens & early 20's with defaults. The majority of the defaults were pre 2005 to creditors such as Sky TV and T-Mobile/Vodafone etc. I also have default…
