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Advice needed about check
Hello All! Recently I won a court case and was awarded about 4000. Should receive a check from insurance company any time soon. I have accounts with Lloyds. But own 1000 on Halifax current account and 7000 for Halifax loan. I do repay them slowly. My worry is how to clear the check. I have a feeling if I bring the check to…
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Mortgage and debt problems
*please note, on posting on the mortgage and endowements forum we have been advised to repost the following thread here* Hello everyone. Its taken a long time to get to post this thread but enoughs enough. We have what we consider huge financial problems that are weighing our relationship down and we urgently need some…
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Quick question...
Signed up for Noddle and there are accounts registered that were not on the recent £2 statutory reports I got from all of the CRAs. One of these refers to a defaulted account from 2005 which is now statute barred, however the default date has been recorded as December 2005. I have a letter from the original creditor in…
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What a mess
Where do I begin.... Over the years I have built up an unsustainable level of Unsecured debt approx £50,000. I was self employed for a lot of these years and most if not all of the debt build up was trying to keep my business afloat. I am now employed earning nowhere near what I was so now in a position where MBNA are…
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Help needed please
Rite here it goes My brother has built up alot of debts while he was living in his own place (now moved out) council tax,rent,parking fines etc etc, the problem is my parents are now getting all of his debts coming to there house, my mum lost her mum a few weeks ago and is so upset and depressed understandably that this is…
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Initial £1 offer letter
Is there a template for sending a token £1 payment to Creditors ? I am just in the process of setting up a DMP with the CCCS and whilst in the process of passing things over to them, Creditors will be wanting money at the end of the month. Thanks
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In a bit of a pickle................
Hello All I have got myself in a bit of a pickle and need help. please be nice I have been lurking before but this is my first post. Due to difficulties my husband and I have had to move in with my mother (loss of home, not money related), whilst we are here we need to clear as much of our debt as possible to enable us to…
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Had some good luck need help with next steps please
Hi all, I've had a couple of very good strokes of luck lately - after a visit to my bank they persuaded me to try for a 0% card for 18 months (I was sure my credit rating was so low they'd say no) and I was accepted and given £10,500.00 Barclay's then offered me £7400 on 0% for 24 months - this has meant I have transferred…
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dmp
ive recently joined cccs with a dmp, previously i was using a charging company, ive only actually paid a small amount off my debt and it seems an unhill struggle. i feel alone, thats why ive posted on here, its nice to know im not alone, i mean that in the nicest way. value any helpful hints on this mountain
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PayPlan - Anyone got any advice
Hi Guys I finally made the phone call that I've been dreading for months to a company called PayPlan and I needn't have been worried at all. They were very non-judgmental and were understanding when I had a few tears whilst trying to explain everything. I realised I had a serious debt problem when my boyfriend saw that I…
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Defaults?
I have a couple of defaults in that I was slightly late in paying Tesco credit card. I paid the required amount within a few days.(2 days) Unfortunately I was defaulted because of this. I know my own stupid fault, but it does seem a bit harsh being defaulted. How badly does this effect my credit rating?
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Charging Order Advice
Hi all, I am posting as I am in some urgent advice regarding a Charging Order hearing that I have in September. This is for a debt my OH owes to HMRC. I am going through a divorce and he is no where on the scene and has gone AWOL. I received a letter from HMRC that there was an Interim Order made on the 27 July…
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A question for a friend...
.... if you are on a dmp and have defaults on your credit file, if you apply for a mobile phone contract are you likely to be turned down?
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Br and CSA arrears
Hi guys Im newly Br and not set up on IPA yet my ex has finally been caught up by the super csa and owes over £400 and will now be paying about £50 per week but will only be for a few weeks at a time as he does short contracts via agencies what do I do if he pays the whole arrears? do i tell OR? will they want to take it?…
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Bit of advise from those in the know... Please
Ive received a letter today from a company called scotcall, advising me of personal visit this relates to a very old debt and one i requested a copy of the CCA agreement off some months ago (jan / feb) A copy of the CCA never arrived or appeared but the debt was passed to another collection agent who again contacted me I…
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Challenging a Next Default
Hello all, Hope someone can steer us the right way here. My wife and I have acceptable credit ratings despite having struggled a bit with debt in the past. Unfortunately, my wife's currently got a default registered with her by Next. She browsed Next's website to buy a couple of small items, and tapped in her debit card…
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Advantis want me to prove to them a debts not mine
Ive had a problem with British Gas in that they had a Debt collection agency contact me regarding a debt that wasnt mine. I THOUGHT I had it dealt with but they have now passed it to Advantis Credit Ltd I wrote to them last week explaining I had already told BG this debt was NOT mine and that I hadnt lived at the address…
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Settlement amounts
Hi Help, I am trying to negotiate a reduced settlement amount to pay off my mums debts for her as she cannot cop So i received the following from one of her credit card companies, is this legal and binding? in relation to our recent conversation regarding the above account, I can confirm we will accept £1680.00 as a full…
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Thank You
Thank you to everyone for posting both problems and solutions and hints and tips. I have a gambling problem, and I have finally realised that the urge to gamble gets worse (almost irrational) at a certain time of the month. This month, for the first time in a long time I have resisted the urge, and have used the time I…
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Credit Report?
Who would you say where the best company to go to for your credit file? Experian, Credit Expert, Equifax...??? Any feedback? Thanks :D
