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Secured loan/repossession/debt advice please.
My sister in law had a secured loan on her property 2 years ago, which got out of hand due to interest payments. She ended up leaving the house to be repossessed by the loan company (First Direct) - they sold the house and kept the equity. My sister in law now lives in a rented home with her hubby, the only thing they own…
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Help with DAS Query -Scottish Debt
Hi Guys Well DH is still plodding away with his DAS, ye know just chipping away at it. One of the debts covered by the DAS is with Egg - now, this morning he received a letter from Egg informing him that the debt was being transfered (on the 11th July) to Arrow Global Receivables Mngt Ltd. Now - I have 2 questions. Is it…
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Should we sell our rental flat?
Hi everyone, long time lurker with a question... My OH and I have a large amount of debt, and we live in a rented flat. We also have a rental property in another city that brings in a minor amount of income after mortgage payments. I am under the impression that we should sell the rental property to pay off our existing…
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Bank cancelled my account and demanding OD back, advice needed
Essentially it is a 3 year old student account, was fine with it till last year when £800 was stolen from it and the fraud team kept losing my details or claiming my letters were confusing etc. I had about £300 in charges too due to being over the limit till I paid money in which I couldnt afford to take me back into my…
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credit solutions limited debt collectors
firstly sorry if this is in the wrong place but has any of you had any dealings with CSL?? we received a letter off them regarding a debt of £78, and we wasn't really in a position to pay it back all at once so we came to an agreement with them.... However i really want to complain about CSL as there contact with me is…
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payment order opinions please!
When I get paid next week I will have a £650 to pay on top of my minimum payments (thank you overtime!):j I'm aware that the best way to tackle debt it to snowball and pay the highest interest rate first - I'm am having a problem working my halifax overdraft into the sequence as it doesn't have a monthly interest rate.…
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DMP 3 years
Hi All I am currently with a Finance Company who is helping me with a DMP. I've had this for almost 3 years and its coming to the end. I still owe loads of money to my creditors but was just wondering what happends at the end of an agreed DMP. Please advise any help/advice will go a long way. Would appreciate your…
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Rockwell Dca problem
hello to cut a long story short, rockwell have been chasing me from 2009 for a debt from 2005. in 2009 the sent letters and solicitors letetrs stating if i did not pay i would go to court so i started paying. fast forward to this year. i sent a cca request around october 2010 and requested by phone several times in 2009,…
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Help CRS Collection Agency for Helio Fitness
Back in December I signed up for a gym believing it was on a month to month contract. I am very foolish and clearly didn't read the details properly and now I'm utterly kicking myself. Almost immediately after I signed up I fell ill for over a month and was unable to cancel it within the 7 day cooling off period - to be…
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Pay Yourself a Christmas Bonus!
Hi everyone, Would anyone like to join me and Pay yourself a Christmas Bonus this December?!!:j This started when I joined the £365 in 365 days challenge a couple of weeks ago. I decided to put £2.50 a day away for something special. I realised that although some companies pay a Christmas bonus a lot don't........including…
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Setting-Off - Barclays and Egg
I've heard that Barclays/Barclaycard have taken over Egg credit cards. Does anyone know if this means Barclays will be able to take money out of a cash card account and apply it to an Egg credit card debt. Thanks.
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How to celebrate becoming Debt Free?
Hello guys Am due to become debt free in four days (having been counting down the days for weeks :o ) and am trying to think of a suitable way to celebrate. Going to be paying off a big chunk of money this month so I won't have much to spare, but I'd still like to mark it in some way. Does anyone have any ideas on cheap…
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Ruthbridge And Bankruptcy???
Hi, First of all sorry if this is the wrong section. Will try and give some background, many years ago, around 1999 I went overdrawn with the bank, was about £3000 I think, anyway long story short the debt was bought by Cabot Finance and I was paying them £1 a month, yes I know it would take me longer than my life to pay,…
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basic bank account
hi all, we a currently going through an iva and are struggling to find a new basic bank account that does direct debits, no overdraught and debit card, been turned down by HSBC and lloyds ,halifax are no go areas. any tips please
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asking very nicely for help writing a letter please!!
changed my mind
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My Default Expired today
I am so happy that today my default expired after six years and has been removed from my credit report. I regret my stupidity when I was younger for getting into trouble but feel such relief now that i can get on with my life an hopefully buy a house of my own. My credit score has jumped from fair to Excellent 999 rating…
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a quick question
Hello there, I am looking for a bit of advice. I have a BOS Loan and have done since 09. I have paid it faithfully until i missed one payment in Feb which was then paid a month later as requested by BOS. I have never missed another payment since and as far as i know am up to date. If fact i know i am i have statements to…
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Friday 24th June - What small 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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The time it takes to record settled on credit file
Hi there i recently paid off settled about 6 defaults on my credit file back in april. but still not showing as paid on file rang creditors this week and they say it takes upto ten weeks to show on file but its gone past that so am a bit confused and cannot understand why takes so long. it makes me wonder if you dont pay…
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Messed up;
Hi, I'm embarrassed to admit, that after having fallen off the wagon last Friday, and drinking until Monday, my alcoholism and subsequent depression has got much worse. I got through £200 in 4 days, and now I just don't know what to do anymore. Last Friday, I'd planned to pay all my bills, do a big food shop online, and…
