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Unsure of my next step......
I have been paying a loan between myself and my ex for the last few years - the last payment will be made in July. This loan had been passed to Debt Managers Ltd from Abbey National and therefore has been classed as a default (I'm guessing) on my credit file. I'm aware that this default will show for the next 6 years (till…
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national debtline and this site too
hi all just wanting to say a thankyou to the people who reassured me on here and pm over the bank holiday w/e also a thankyou to national debtline and a recomendation to use them if your worrying over your debts. they were very helpful to me this morning and have helped put my mind at rest. :)
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Overpayment & Robinson Way - advice or experience?
Hi all, Firstly, I have lurked for many years so thanks to all you wonderful, inspirational and supportive people. I just called the last of my dreaded cards after having been out of the country for a while and just making payments as usual. Turns out the account was sold to robinson way back in '08. Since then I have paid…
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Full and Final Settlement Figures - My Experience
Hi, I am in a lot of debt and have used this forum on and off for years and always found it to be really helpful and non judgemental. I recently wrote to all my creditors asking them for full and final settlement figures on the money that I owed them. I did quite a lot of research before this trying to see the best way to…
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Nominate
I'm currently in a debt management plan with Dfh (yes I know,I'm a fool) and was wondering if it's possible to nominate someone to speak on my behalf if I have to contact them? The reason I ask this is that my partner has to deal with difficult people on occasion with her job. She has a very good telephone manner and can…
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Advice needed
Hi there, Today its finally hit me just how much i need some advice on debt. A few years ago i got myself tangled up with someone who turned out to be addicted to gambling, however at the time i didnt realise this, until all my credit cards got maxed out. Before that id taken out a loan to pay off another ex when we split…
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Mackenzie Hall
Hi, I wondered if somebody could point me in the right direction as I too am having issues with MH. Before I start I can honestly say that I have checked my credit score with Experian and have no outstanding debts. I was green enough to call them several weeks ago after receiving a letter about 'personal matters'. Alarm…
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Payplan, cleardebt and debtadvisorycentre misleading info on Limitations Act 1980
http://www.payplan.com/debt-news/2011/04/26/limitations-act-1980/ Interesting and very incorrect interpretation of the law. Pretty appalling coming from such an organisation. :( Some of the problems are getting information completely and factually incorrect, while others are perhaps due to just putting things in a badly…
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Paying in book: costs
Hi All, Have a quick question. I received a paying in book from Moorcroft after they accepted my offer of payment of £1 per month whilst I am on JSA. Does anyone know what the post office charge for this service, and is it cheaper than a second class stamp? Thanks nnop
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Bank holiday
Morning just working on my budgets I's Friday classed as a bank holiday with the banks ? Thank you
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Help help - soa! :(
Pleeeeease Help I have a payday loan due in a few days totalling £1400 which is more than my wage of £1022 I have no idea what to do!! I have done a SOA, I am just about keeping my head above water! I have also have a loan from a family member for around £3000 Statement of Affairs and Personal Balance Sheet Household…
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Tuesday 26th 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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How much is your weekly budget?
Hi all, Really interested to know how much you spend per week on average. I know it might be a difficult one to poll as it depends on family size etc but it will give a general idea maybe? We still seem to end up quite low on cash each month and I think we prob spend too much each week - about £200..... Include groceries,…
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Weekly Spend Challenge W/C 24th 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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equifax question
has anyone got any ideas how long it takes previous searches to drop off your credit report, it looks like i have excessive ones so they are showing as 'red'
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Any help, suggestions, experiences, please help + advice needed
I've had lighbulb moments before in the past, been there done that with SOA etc etc, currently just keeping head above water, but theres a strong possibility that theres going to be a massive drop in income from July, and if that happens I'm going to be very much up the creek without a paddle. At a rough estimate my debts…
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Need a little encouragement and advice.
I joined this board to get some advice on a loan. Saw alot of references to this part of the site and got intrigued. I would love to be debt free. I need to get a small loan to ease the stress of arranging a wedding. However I would love that to be the last I did a SOA. Statement of Affairs and Personal Balance Sheet…
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Default
I have just checked my credit file and there is a default account on it from T-mobile. It was defaulted in September 07 - the balance is £675. How do I go about paying this off so I can start to build my credit rating up? Any help is greatly appreciated!! Thanks
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I really need answers
OK a good day has just turned into the worst day ever. My post was put through someone elses door and they have just put it through mine (been away since last Tuesday) and it's from a debt collection agency. Me and dd's dad took a loan out 4 year ago when we had an extension done and to be honest because he paid it and he…
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From MSE Lurker to DFW
Hi All, I've been a lurker on the MSE forum for quite a while, but I thought I'd take the plunge and join in and start posting. I'm currently owe over £7,000 on a credit card (about £9,500 at worst point) and have just finished paying off £1,500 overdraft. My spiral into debt was caused by living beyond my means and…
