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The impact of CCJ's?
Hello Apologies if this is in the wrong forum- I wasn't sure where to post. I have 2 CCJ's: One from Sept 2007, and one from Nov 2008. Both have been paid off in full. I have a default on a loan in 2007 which was also settled back in 2007 but still appears on my credit report. :( I was accepted for a vanquis card in sept…
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how to keep track!
hi all, i am new to the site, but have gained so much info already. i am awaiting a call from payplan at 2pm to hopefully get on the road to a dmp to sort out me and my partners 4 credit cards, 4 overdrafs, 1 loan and 1 store card (totals around £30,000) and i just wondered how you all look after your money, i.e. do you…
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Cougar Financial and Capital One - Debt passed on to DCA - help please
Hello, I have been in a payment arrangement with Capital ONe since 2009 and recently informed them via letter of change of address and that I cancelled my dMP with a fee charging company. They wrote to me that without signature (I didn't sign the letter) they couldn't change anything. I rang them and changed everything…
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Cheeky Bank...
So I ventured (bravely) into my local Nationwide the other day to put a cheque in. (This alone deserves a :j). And while I'm there the lady is tap tap tapping away on her computer and the whole time I'm getting more and more nervous. I have a fear of going into the bank in case they take my card off me and hit me with it.…
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Advice needed please
Hi I am in £17k of debt and it has never bothered me that much as I have always been able to pay for it and I know where the money went i.e car and holidays etc but now I am on maternity leave and my money will only just about cover my debt repayments for 3 months then I go to unpaid for 3 months. I have always had a good…
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Help with letter please
I posted a thread yesterday regarding an old loan with LLoyds I have. I feel silly and have been quite naive - but in my defence, I have been unwell for a long time. The orginal loan was for 6k. Due to my ill health, I had to make lower payments. I was contacted from time to time, by phone to chat about this, and when I…
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Brian Carter and Co Investigation needed
Just found this on a website, post from May 2007 Can anyone try and validate the info? You might like to look carefully at the court papers and note the date. Check that it is definately Brian Carter and Co and not Crellins Carter, this is important. Here comes the good bit. On the 28th of Feb, Brian Carter and Co ceased…
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What would you do?
Hello all, First post in ages, more of a lurker me. So, today I received a letter from HSBC informing me that they can see I am having trouble paying my loan (i have made 5 reduced payments and made a full payment end of march, so back on track) so they said that they will offer me a reduced settlement figure on my loan.…
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Capquest scary letter
Hi My husband and i are in debt, around £20,000. We really want to go Bankrupt as we have tried everything else through the c.a.b. Trouble is going Bankrupt is expensive. We get letters everyday from numerous companies demanding money. Our c.a.b advisor said they are idle threats. Recently we have moved home and lost…
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HFO Services 72 threat of litigation
I am not sure if this is in the right section. this is my first post. I have just received a 72 hour notice of litigation from HFO services who have been calling so much i have had to switch my ringer off on the phone. They claim I owe over 6K to Barclaycard. I had a Barclaycard which I stopped being able to pay due to…
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Help with an old Capital one debt
Hi, In 2006 due to personal circumstances i became unable to pay a few bills, 2 credit cards and 1 store card. I went through the CAB and made arrangements to pay these 3 accounts off a reduced payments, however one of them, capital one, kept on refusing the reduced payment and charged me a fine each month for not making…
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Retired and in debt!! What can I do???
:( Hello, I am 62 years old and I am retired. I get around £540 per month pension but I never get to see any of it. I have 2 loans which work out at £300 per month that I have to pay I also have a credit card which the min payment is usually around £100 per month. Is there any way I can get rid of these debts?? It is…
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Aktiv Kapital problem
Hi I have just had a letter from this company re a debt that really cant be possible as it appears to be in my maiden name (when i had no debt as I was too young!). I have contacted the company who i apparently owed the money to but they have no record of any such debt... (I still am checking one more avenue) ..I reckon…
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More HFO Services Harrasment
Hi all - another newbie here, I'm also on the receiving end of HRO's intimidatory tactics. Here's the story so far... I was contacted by HFO on the phone 3 weeks ago about an alledged debt (approx £200) in my name that they bought from Barclaycard and are now pursuing. They wanted me to confirm my address which I refused…
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Lbm!!!
Hi everyone I've been lurking on here for a while now and it's helped me so much after my LBM in February 2010. I racked up the debt because my ex kept leaving jobs and I was funding him for about 6 years - stupid stupid but you live and learn and I can safely say I'll never do that again (plus I left him in Feb 2010 so…
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help please - credit report questions
Hi everyone I would like to finally sort out my debt problems. I have never seen my credit report before. The calls from debt collection agencies have finally stopped after me ignoring them for years. I know however searching my credit report will alert them again and the harassment will start all over. I am prepared for…
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MSE News: Free money advice service launches
This is the discussion thread for the following MSE News Story: "The Money Advice Service, initially set up by the Government, will provide unbiased help on financial matters ..." Read the full story: Free money advice service launches
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help please
Hello I wonder if you guys can give me some of the great help that you have given others. 3 years ago my dad had a several strokes and a heart attack, he also was diagnosed with an anurism to help things(he is now 61.) At the time he had some money and some debt. I made sure his accounts were up to date! Now he hasn't…
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Experian credit expert membership
i signed up with credit expert for a short period and cancelled my membership by phone and by e mail. They continued to take money after cancellation. They promised to refund it - they did not. We reported them to the bank but they only managed to get part of the money back - they said the way they get round the…
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Monday 4th 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…
