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Defaults: Can they be cleared early?
Hi All, Newbie here. Basically, I'm trying to get advice on clearing defaults. I realise there are probably a million posts on this subject! My girlfriend got into a bit of a mess with money (not huge amounts) when she was younger and it's now affecting us. She was temping at HSBC and got told she had to take out an…
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Newbie looking for advice............
I have been lurking here for a while, finally got the courage to post. I am a debt free wannabee and even though we have a good income at the moment and no trouble meeting our repayments I am self employed and feel my work will dry up in the next year or two and want to reduce our repayments by as much as possible over the…
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Over payment
My DH retired in MARCH of this year and took his pension and a lump sum.. they paid out the month after leaving the lump sum and all they owed him..for previous months work. We are now in August and they have written to him stating they have overpaid him by 400.00... Can anyone advise please
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Cannot Get on DMP because of PayDay Loans
Hi All, I am new on MSE but I have been lurking around the last few weeks as I have been going through this difficult period. Finally joined. I have a load of credit card debts. Things have been getting out of hand and following the failure of an application for a second mortgage to pay everything off have been…
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Full and final settlement question
Hi everyone, after joining this site fairly recently i am now trying to tackle my debts one at a time, i was wondering if anyone had any advise on how much to offer as a f and f settlement as im hoping to be able to do this with a couple of the smaller ones ive defaulted on. The main one is £344 owed to robinson way ltd,…
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Littlewoods / NDR Money - ANNOYING ME!
I got credit of £600 from Littlewoods last year. I lost my job and was unable to pay it back. They keep adding £12 charges for late payments / non payments / contacting me. I complained to them about these charges (as they've put about £200 on there in total). I set up a payment plan of £34.45 every 4 weeks, which I fell…
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Lightbulb moment and SOA, PhD student with family.....
Hi everyone, I am nearing the end of my PhD and starting to panic about work next year but the thought of all my old outstanding debts are really starting to stress me out. I divorced in 2002/3 and had bad legal advice basically, and ended up with half my ex husbands debts as well as my own, and a pittance in child…
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Why I'm not scared of the post anymore.
Over the last week I've had a total change in attitude about my debts, money situation, worrying-looking envelopes that arrive, and money-related stuff generally. I finally got a grip, opened everything, added everything up, and wrote it all down. It's a bit worse than I expected, but that's not the point. The point is I…
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advantage credit
hi all, i have recently had calls from "advantage credit" who may actually be called "advantis credit". the 1st call i answered they said i owe £85 for a water bill in 2006 from a previous address. i disputed this as i dont usually leave bills unpaid but being 5 years ago i cant be 100% sure. today i have just missed their…
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My Debt Situation - and the way forward!
Good afternoon all! Just thought I would share with you my current situation and how I am thinking about going forward! After getting into debt at Uni, buying a house with my long term now ex-partner, racking up more of my debt, bailing out my ex girlfriend of her debt by balance transferring hers credit cards to ones I…
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Credit File
Hi I am looking for some advise on my credit file. I have a number of defaults registered (thankfully most debt is now paid off). A number of my accounts were sold to DCA. Most lenders show a £0.00 with a D and then any remainder balance now shows under the DCA with a D. However GE Capital still have the original amount as…
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facing up to debt for the first time & need a hand holding
Hi Im facing up to the fact Im getting worse and worse into debt and its got to the point I cant afford to repay the monthly min payments. Ive got two small children and have just put myself through a degree - my partner works and has a good job but we have no disposable income and rather stupidly, I have been living off…
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Credit Report - Removing Marks/Defaults
Hi All, I hope someone here can help clear something up for me. I've read on here in a number of different threads that people have had marks or defaults removed from their credit reports. I've know about 2 particular 'marks' on my credit report with both experian and equifax with my (now closed) HSBC current account. When…
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Received a 'claim form' from county court and not sure what to do! please help!
I have an outstanding balance of £109.25 from an old debt with next catalogue. The debt was sent to the lewis group debt collectors who I have attempted to resolve with over the past few months. Anyway I recently moved house and have a mail divert in place and today received a claim pack...Ive never received one and Im not…
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Nationwide still not responded ~ advice please
Hi I am helping hubby with his debts and so far so good. Except for 1, Nationwise Credit Card. We wrote to them a few months back and offered them the £1. token payments and sent them an Income & Expensiture form etc. They replied they were unable to accept the offer however any payments made to the account would reduce…
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Credit Rating/HSBC Problems
Hello, This is my first post to this forum and I am not too familiar with banking of any kind so any help recieved would be fantastic please. On Thursday my HSBC debit card was eaten by a cash machine for 'security reasons,' now obviously I was pretty worred by this to start with so I rang them up to find our exactly what…
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Hee Hee I gave it a go and look what I got!! Barcleycard!
After reading various posts on settlement figures I thought I would be brave and give it a go, so just rang Barcleycard, Balance £3953.45 They initially gave me a settlement figure of £2174 which she brought down 30 seconds later after I was silent to £1976.73, as soon as the letter from them arrives to confirm this I will…
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Help with Bristow & Sutor Debt Collect...
I have been paying Bristow and Sutor £15 weekly for outstanding parking tickets (yes i know!!) for 5months now with an agreement spreading payments over 6months. However i got another letter this morning about another fine (again i know!) and rang to arrange payment. I tried to see if i could extended my agreement or set…
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How long do defaults stay on record
Morning, I have read a lot of posts that say defaults only affect your credit rating for 6 years from the date you first defaulted? So if i first defaulted in 2008 and cleared the account today it would be off in 2014? I have been on equifax that says at the bottom: How long is this data kept on my Credit Report? The…
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MBNA have sold what i thought was an unenforecable debt
Hi, in 2010, following various CCA requests MBNA basically said they couldnt find an original fully complete agreement and whilst they could pursue me for the debt and update credit files etc, and morally I should pay, they had no legal redress.. all quiet - then I have Frederickson international turn up chasing payment a…
