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nearly clear
I have only got 2 months of payments left and then im debt free again. But i was just wondering how long it would take to get my credit rating back to a good level? or if i can actuall get it back to a good level at all, my credit rating is so bad that i got rejected for a phone contract a few weeks ago. Also if i can get…
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I need help with wording a letter,this time threatening the debt collector withcourt
Hi, all help/opinions happily received please!!. I have been paying a debt for years that i now know is not mine! I need the letter to be strong, but im not sure this is strong enough. If anyone could help me with the wording that would be great! The letter that i refer to at the end of the letter is in my opinion "copied…
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Budget for alcohol?
Hello all, Happy Monday! Curious to see whether people either have a set budget for alcohol or whether anyone tracks how much they actually spend on it? Apparently the average person spends over £100,000 on alcohol in their life time.. :eek: I am starting to save for a deposit on my first house and am so tempted to just…
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bailff and fees
Not sur ewhere to start really. my son in laW scrapped a car a coupkle of yuears ago and apparently didnt SORN it (something like that), he was fined £70.00 for this, unfortunately he didnt pay the fine and was stupid enough to not respond to letters. (yes i have ranted at him too)!! anyway a bailff has now gone to their…
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Done It
I did it quietly with help from this site and I've now done it. I have no more debt. Thank you.
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''debt'' recovery from Fairfax solicitors!
Hi. I am currently being pursued by fairfax solicitors for a fee of £441.40 which is a debt incurred by overdraft charges from HBOS. These charges were put on me after i repaid my account back to zero and stopped using the account. I received multiple letters from HBOS along with phone calls telling me i had incurred…
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DCAs and death.
Hi all, My mum died last year and I have received a letter from a DCA asking for a copy of the death certificate. In the letter they are also asking for details of the solicitor/personal representative dealing with the estate. Why would they want those contact details? Do I have to give them? Many thanks.
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payday uk help please!!!
Hi guys i am going through the awful process of incorporating some payday loans into a DMP today I received the below response from payday uk and just dont know how to respond - payplan are running my dmp and I have forwarded this to them but do you think I should respond aswell? I was in a dmp when I fell into the payday…
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In debt and need to get rid of it, I am at breaking point
I was made bankrupt about 18 months ago due to my own silly actions as some of us have experienced and learnt from. This time around, my step-brother who I hate with a passion thought it would be funny to somehow (I have no idea considering it is a basic account which can't go overdrawn) run up a debt of £2,500. I have…
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I'm coming back!!!
Please on not shout at me. I'm coming back with my tail between my legs. I thought i could go it alone but alas i'm still in need of help. Since my last LBM in 2008 i have manged to shift 17,000 from our debt through some nifty finance shifting, hard work and down right cheek. To me that is an acheivement in its self as…
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How can i Consolidate debts to keep them affordable
i would like to know if anyone can help. i have a large amount of credit with various loans/credit cards and car finance. my income has dropped making the payments very hard to make so wanted to know if there was a way to reduce the monthly payments by consolidating all into 1. the problem is my credit rating has dropped…
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PPI on debt, how to get removed?
We owe Barclays some money and the majority of the remaining amount of this debt is for PPI that was added in a lump sum. I remember the amount being added on and it will wipe out almost all of the debt if we can get it back, however, I do not know where the paperwork is. Please can someone advise on where I start to…
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Once in debt, always in debt?
Hi all, I've been reading a lot of the posts here for a while now as it's helped me a lot, I was in debt and I hated it. Something which has been in my mind recently though is this; how many of you here, or perhaps people you know, have been in debt, cleared their debt, ended up back in debt again? I've been in debt myself…
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Newbie in need of some support
Hi all. Please be patient with me as i dont really know how to start here. I don't know if i've posted this in the correct area either. Me and my partner have been with a debt management company for about 2 years (i know this is bad but had no choice at the time) and we have approx £19,000 of debt :o . weve had to reduce…
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My debt problems
Hi, I am new to this and it is a first step for me in getting debt free. The following debt you see is a spiral out of control... It all started with one credit card from when I was young and trying to consolidate with another and so on... I am not living off scraps of food but if this continues I could see my self getting…
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Im at rock bottom. Please help.
Hi Im completely and utterley devestated and ashamed that its come to this. I/we are in severe debt and I know we having been living far beyond our means. We are £3000 overdrawn, with £2000 on Credit Cards and £6000 loan. Today, we having nothing left. We run our own small business but that is struggling too so were in a…
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DCA/Credit Files
I made a full and final settlement offer with a DCA which was (after some negotiation) finally accepted. Part of my offer was that my credit file would be update to show the defaulted account was fully settled and satisfied. Having checked my credit file today, it has been marked as 'partially settled'. Where can I go from…
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Reward account with HBOS
Contacted HBOS today and was informed I could upgrade my account to the reward account where I would recieve £5 for having £1000 paid in monthly. This works well with my salary of £1029 going in the last working day of the month. Can anyone tell me if they have had any problem switching? I would assume I keep the same sort…
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Debt company demanding money that i dont owe.
Hello, I have received a letter today from Lowell Portfolio Ltd who say that they have taken on the debt i have from a halifax account. They are demanding £633. I do not owe this money. Firstly, i closed that account years and years ago (about 20yrs) and did not leave any debt. Secondly, after phoning them up, they state…
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Credit card help please
hello I've been putting this off for ages now because I just don't know where to start. I want to tackle my (our)credit card debts so would appreciate a little advice. I can afford at the moment to pay off the virgin one. Then what? The BC (J) is my OH's he's had it for 15 years+ and they've always been horrible. Does…
