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Well Here we go
Hi everyone heres my thread and heres my story i have just returned back to my mum and dad after a relationship breakdown after 5 years, with this 5 years it has ended me having debt in the region of five thousand but i am on the road to recovery with a DMP with Christians Against Poverty . Approximately it is going to…
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Debt Collection Agency took too much money
Hi Has anyone any idea's what I should do? I have had a payment plan in place for some time now with an organisation called NDR (National Debt Recovery) who are basically a 'collector of monies' outfit for Shop Direct. Ive been paying a fixed amount every 4 weeks and have only 2 payments left. I used to log on to their own…
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Help! Full and final settlement
Hi, I would like make full and final settlement of around £250 which I defaulted on credit card. How will it show up in my credit file ?? Does it look better that default with unsettled debt?? How long do I need to wait before I can apply for new credit ?? Do lenders consider it as small default ??
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CCCS DMP payment what day of the month?
Hi First post here, have tried the search but couldn't find an answer, so here is my first question. About to start a DMP with CCCS and trying to make sure everything is in place, so the day of the month that CCCS take out the payment is very important. Do they use the same day of the month for everyone, or can I state a…
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Outstanding debt marked as settled on file??
Hi all, I'm new to this forum so please bear with me....... About 4 years ago I decided to take action on my mounting debt, and entered into a 5 year debt management plan. My monthly payment is £927 of which £897 is paid to my creditors. I don't want to get into a debate about paid / free DMP's as I tried a free one and…
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Disenfrachised youths, immoral politicians and then there was Ruthbridge
Firstly may I say a big thank you to all on this website for helping me finally realise a six year dream of being almost completely debt free (when i say almost i owe £400 on a credit card but all is up to date and in good health). I have recently had dealings with Roxburghe, Credit Account Management and most recently…
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Statute Barred Question
Hi All, Does a full and final settlement letter which has 'without prejudice' on it referring to a settlement offer from family and friends reset the statute barred clock or is it from the last payment to the account only THanks Short and sweet
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Mounting debt and a laid back partner
Other half and I are totally diffirent in the way we cope with things im the stressed out one he is the laid back cool one.The main issue at the minute is our wages hardly cover the bills most weeks but for some reason he dot seem to be taking it seriously, the letters through the door demanding money are building up,last…
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Default notice - letters sent while away! Help!
Hello I have just had a stroke of tremendously bad luck! Preamble: We have finally had an offer on our house which we have been trying to sell for THREE years. Made an offer on another, soon to be finding a mortgage deal. I have about £10,000 of various small debts which are all under control and I'm paying everyone back…
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My S.O.A. enclosed, and first post
Hi, this is my first time here and Ive done the SOA calculator (just dont have all the apr figures yet) Im self employed and can earn more money than shown, but the figures are what I'd class as an average months earnings. There are 2 aspects to my self employment, the first is what I'd class as "the day job", doing things…
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Lowell - Defaults on my credit file
I've been working hard over the last few years to get my credit file back into order. I have 1 CCJ which is satisfied, & a default from NEXT which will disappear soon. I was ready to clap myself on the back & say well done, when I decided to check my credit file with 'Noddle'. The credit file they sent me made for awful…
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Weekly Spend Challenge w/c 14th August 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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Help needed - debt recovery letter rec'd from Mackenzie Hall
Hi all, I could really do with some advice regarding a letter I received today from Mackenzie Hall debt purchase ltd with regards to a debt I owed the Freemans catalouge. I did default on my catalouge, AND I did pay off my full amount closing my account with Freemans, however this was from when I was aged about 19 about…
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Fed up with debts
I know its all my fault, but I still believe I deserve a break. After several months of struggle, I was able to get four major credit card companies to freeze all interest and put me on an agreed monthly payment two years ago. I have never used a credit card ever since. Question Do you think it would be possible to do the…
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What's the naughtiest thing you've done at your most skint?
MSE Official Insert: Another forum user started this discussion to ask what the naughtiest thing you've done is to save money when at your very lowest ebb and didn't feel you had a choice. It sparked a hugely thought-provoking discussion. As that discussion headed off topic in parts we've collated the on-topic comments…
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The worst/naughtiest thing you've done to survive whilst at rock bottom
I know when you're up to your eyebrows in debt and the situation went past dire 10 miles ago that people can be forced to do things to survive they otherwise wouldn't normally consider doing. When people do these things to survive it doesn't make them bad people and anybody who knew the full situation would surely…
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First Post, Young and struggling. Wages get swallowed before I can access it.
I am a 21 year old student at university. I will be retaking my second year starting september - I suffer from depression and anxiety and while I feel better now, and am no longer having counselling or taking the medication (it's still on my repeat prescription, but I decided to stop taking it). It reall affected my…
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Newbie and need help
Hi all, I'm leaving the UK for good end of this year for personal reason and decided to personally handled my debt situation with my creditors. I have 3 unsecured debt £17k loan with Natwest, £6k cc debt with MBNA and £5k cc debt with barclaycard. I have written to all of them today and asking whether they can accept…
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This is my grand plan
Once I receive my payment this month and pay off what I can, I will be left with 2 credit cards, one 0% and one not, totalling £19,540. Eek. The 0% will end in 15 months. I plan to pay minimum payment on this and get rid of the non-0 as quick as I can. The ultimate plan is to then build up enough so that I am able to pay…
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Oh dear - appear to be in it up to my neck just discovered a ccj
Hi guys i'm new here and really hoping for some advice as I feel like im on the verge of a meltdown. To cut a massively long story short..... I split with an ex 4 years ago. I had an outstanding credit, my ex agreed to pay the installments to clear the debt in exchange for him keeping all the contents from the house…
