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loan company sending a representative to our door.
I am on a self managed DMP, owe £34000 to 12 creditors. Half have now agreed but some are still being awkward. The AA loan company have sent a letter today saying they are sending a rep on the 26th April. To stop it happening we need to call them Do I: Let them come and turn them away knowing they have no rights or...…
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Easter Saturday/Sunday 23rd/24th April 2011 What small DFW 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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1 debt in 100 days part 5
Hello everybody!!!Another part of our challenge!!! Please, everyone who wants to take a part in our challenge write your names. Easter is a great time to start, a new beginning :) 1. Cassidy0111 £1266.32/2606 2. Skaps cc £1460.57/1500 3. Mandz1 Severn Trent and NCC £508.69/508.69 Well done!!! 4. Bumblingbea £4278/4000 Well…
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Credit Confidential.com?
Twice this week I've seen ads for Credit Confidential and I was wondering are they a new major credit reference agency like Experian or Equifax or a third party one that using data from the main agencies? Having a look at their site they do a 30-free trial like the others do, but I was wondering whether it was worth…
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Debt whilst on income support
I am trying to sort out some debts for a friend on IS. Now i'm sure I read somewhere that if on benefits, you only have to pay £7.53 back a week. How would you go about arranging this please. Is this per debt or for all the debts? Thanks.
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CCJ judgement, now living abroad
Back in my student years (2004/5), when I was writing my dissertation, the property management company who I was renting my "study-unit" from decided to renovate their office. For about a month I put up with ridiculous noise (jackhammers, shouting workmen, etc) outside my window, and then decided I'd had enough and moved…
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RBS Credit Management Services?
Hi everyone, hope you are all enjoying the start of the long weekend :) Just in time for it, I've received a rather unsettling letter from RBS. I recently lost my job and wrote to them to offer them a token payment of £1 to each of my overdrawn accounts (I have two of them). My mother is ill and I did mention to them that…
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Welcome Finance Loan....What to do?
I was silly enough to take a £2k loan with these in 2006 for which I paid it all fine for roughly one year, then I lost my job and fell back with payments and since then I've been in and out of jobs and have moved address 8 times over the last 4 years, because of losing job, parents seperating and loads of other stuff. So…
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Response times to offer of settlement`
For the past couple of years I have been dealing with First Plus who I had a joint secured loan with. My husband and I split and he has gone bankrupt leaqving it all in my lap. After working out it will take me 164 years to pay it all !!! I made an offer of settlement to them 11 weeks ago. 6 letters to them later as no…
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Additions no CCA
Hi I sent a CCA request to shop direct who wont play ball over my reduced payments all they sent back was the current T&Cs I then sent an account in dispute letter with the intention of keeping the account with them and to negotiate a reduced payment They sent a reply yesterday stating they wont be cancelling the agreement…
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Good Friday 22nd April 2011 What small DFW 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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Direct Debit on Loan
Hi I have a loan debt that I am paying back £110 a month to Tessera/rockwell my question is can Tessera take out more money without my pemission from my bank if they want?
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Fed up with debt
Hi to all the wonderful people of MSE. I had my LBM moment after realising my debt was 23k and i was getting no where with paying it off. i got into this mess by having a (if i want it, i'll get it now attitude) instead of saving up for the pleasures of life, the main debt was when i got married in 2009 which we totally…
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Money woe to money wealth challenge
Just when you stop and think its a long road ahead to the magical world of debt free and then the fact every spare penny that comes in will be going straight out to getting there.... what im trying to say is its only just kicked in im paying out nearly half my take home on getting out of debt and its looking like i have…
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Dca
can a dca check your credit file any time it wants to ?
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Can you wipe payday loan debts?
Hey there, just wanted a bit of advice following my LBM. I have got a couple of small amounts of debt with a couple of payday loan companies, but as I've not technically signed any agreement, is there any legal way I can get rid of these debts? If anyone has any info I'd love to hear it :)
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Debt Collectors tracing MY house number to try and locate previous tenant?
Hi all, not sure if correct area but thought this is the Debt-Free one and its regarding a debt collection agency. I live in a private rent, but we have had letters addressed to a previous tenant regarding unpaid debits. Now these have gone as far as a debt collecter (Wescott iirc) who have been told by myself that mrs…
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iXpenseIt App
Sorry, not sure where the right place to post this is. Please move if this is in the wrong place. Looking for a bit of help with setting up a custom budget if anyone has any ideas. It's my first entry and when I enter my income for this week it doubles it under the balance. Example I enter my income as $100, under balance,…
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Yay got some good news
Hubby applied for a new credit card and was accepted got the card through today and we can now transfer 2 debts that are on different cards with an apr of 54.4% and they can go on this new card at 29% (still not brill but better than what we were paying) Looking forward to cutting the other two cards up for good or maybe…
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Admitting there's a problem is the hard part. Right?
Hi there everyone, My name is Arielle, and I'm a long time viewer of MSE, first time poster. I'm in quite a lot of debt, and up until now, I've been burying my head in the sand but I really want to get it sorted. I work as a freelance copywriter, and make about £1k per month. I'm in debt as follows: £5550 - Nationwide…
