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Sorry old chap, the money has run out!
So here we are... This moment has been coming for a while, but it looks like this month is where I finally hit the wall and there's not enough money left to pay the monthly bills. A bit of background... I left university with a large overdraft and a credit card debt which I had needed just to keep myself afloat (back in…
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CCA requsted, received statements, what next?help pls
I requested CCA from DCA regarding a citi account that had been sold to them....an account which does not show on my credit history/report - hence I stopped making token payments. Citi did not contact me at any time to query/request payment until they sold the account. I contacted the DCA immediately upon receipt of their…
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In need of advice please!
Hi I wondered if anybody could please offer me some advice? I have now reached the stage where it is time to face up to my debts and do something about it! I currently the owe the following: Natwest Current account overdraft = £1,946.00 AMEX Credit Card = £1,773.14 Virgin Credit Card = £1,828.79 Barclaycard = £11,766.88…
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Should I cancel my CC payments?
Hello; Second time in writing this, first time I completed a perfectly worded post, only for windows to decide it was time to restart for some very apparently important updates!. So, apologies if this version seems rushed. Unfortunately I have ~10 credit cards, with a significant amount on each, adding up to a substantial…
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Cccs
I have just spoke to a lovely lady at cccs about adding a debt to my plan. The debt is Belmont Thornton and has been passed onto a debt agency threatning court/legal action which really scares me to death. She told me to ring them and offer them a monthly payment of £5 and cccs will contact them aswell. The debt recovery…
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Time to stop being stupid
Hi everyone, I am newish here (have posted a couple of years back but not since). Just making a post here to detail my situation and what I plan to do to get me out of the dangerzone and I will post subsequent updates as the situation changes. I am a 24yo single male who lives in a council flat. I have been unemployed for…
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NEED HELP URGENT please
Hello, I am unsure where to put this and if it the right forum but a few months ago we recieved a letter from the courts about a driving offence or something at my home address (lived here 30 years) and it was addressed to someone I never heard off, opened it and it was about missing court etc so I phoned them up and told…
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Urgent help - debt collection letter
Hi, I have 6 creditors and have been making token payments of £1pm for several months now. Out of the blue Santander have cancelled my arrangement and started legal action. I have just got a letter from Moorcroft Debt Recovery notifying me of their intention to litigate unless I settle in full by 03/09/11. The plan I am on…
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Default Enquiry
Hey, Can someone please help me? I had an account with Blackhorse that has defaulted and got passed onto a debt collector... I have made an arrangement with the debt collectors to pay off a certain amount each month. However, I have obtained my credit report with Call Credit who are showing that the account is still in…
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Advice on how to deal with debt collectors
Hello. I need some advice. I have been hounded by a debt collection company called Red Castle Recoveries for some time. They claim I owe over £400 for a laptop I purchased from Dell Computers in 2006. I did buy a laptop from Dell and I believe it was paid off via direct debit but it is so long ago I have no details. I have…
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Obtaining a mortgage after accounts are settled?
Not sure if this is the right place to post this? My story in brief; At the age of 18 I foolishly ran up £22k in debt, starting with a loan for a new car, then credit cards, then loans to clear the cards and so on and so on. Very soon I was in over my head and I made the decision to try and get it sorted. I searched around…
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Debt ran up in my name *reposted*
Hiya, reposted this from moneysaving for families for practical advice on how to maybe get the debt taken off my credit file if possible and to make it so someone has to answer secret questions before being able to take things out in my name (I think thats possible,someone mentioned it in my other thread, don't know how it…
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Hello!! I would really appreciate some help / advice on our ever increasing debts...
Hi everyone, I'm Jo. I've finally decided it's time to attack these debts. Originally the credit card debt got built up when me and my OH took a year out travelling in 2007/2008 - we ran out of money in Australia and decided to carry on through Asia as planned but using our credit cards. Unfortunately we came back in the…
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Please help - Bailiffs
Hi all, I received the following letter today from Dukes bailiffs: Re: Council Tax £312.06 I am in receipt of your further correspondence regarding the above outstanding account, the contents of which are noted. I note we have replied to your previous correspondence whereby you were specifically requested to contact our…
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Tower Capital CCJ
hi was just wondering if anybody had some advice i took out a loan with tower capital at my current address and i defaulted on the payment. the balance is £268. not long after i defaulted i was made redundant so i agreed a repayment plan with them of £20 a month as thats all i could afford at the time but they kept taking…
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Hello *waves* Could i have some advice please :-)
Hello everyone im Kate I have faced up to my debts this week and have spoken to someone last week at the free debt place - we discussed iva's and decided that it wouldnt be the best road to go down for us. I have done my SOA (posted below) I run WW meetings and bake cakes on the side lol, my husband works for his parents…
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Anyone recommend certain debt management companies
Hi im new to this site im thinking about entering a debt management plan when i go online its like a mine field and there are so many scare storys any one dealt with a dmp company and been happy with them help would be appreciated :)
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It's pay day tomorrow
I've already paid for my travel card for the week and there is food in the cupboard So I'm not going to spend anything until at least Thurs :) Who's with me??
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Tuesday 30th August 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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AktiveKapital / CCSCollect
Ok so i recieved a letter on the 18th of August 2011 From ccscollect who has taken over the debt from aktiv kapital... i will start at the begining im nearly 30 at the rip old age of 21 i had a over draft and cheque guarentee card and went a bit silly with it and ive been chaced for it ever since i have moved several times…
