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When to offer F&F? before it goes to DCA or after?
Thanks for everyone which answered my post yesterday re Lloyds.. Another, hopefully quick, question, again trying to help my friend in need. It is in relation to when is the best time to offer a full and final settlement. Maybe a bit of a general question, but is it better to offer a F&F settlement before it goes to a DCA…
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Electric Supply Arrears
Hello all again. slowly going through all my debts, have picked up loads of advice from the boards over the last few months. cheers all. My new question is.... my next "big" bill is my electric bill (which includes arrears), I've had a bill for £1100 which I queried they took a new reading over the phone and then gave me…
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advice needed please
Hi All, i have an outstanding debt with moorcroft which i have paid for the last 6 yrs, £3000 still owing. My credit flle is now clear and i have jsut applied and recieved a new cedit card , I have now recieved a letter from moorcroft say that they have been advised by and credit reference agency that i have new credit and…
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WTH has happened to my CR
I checked my credit report this morning to find that all my searches has disappeared...(and I had 18 on their) to find that 8 of my linked addresses have gone AND that my capital one credit card no longer appears on my report! I have FINALLY been added to the electoral roll now though!! But what's up with all these weird…
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Thursday 25th 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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Full and finals question
Morning all. We’ve (the wife and I) been on a self administered DMP for almost two years now. We’re not doing too badly with it – the balances are going down, albeit slowly. Anyhow, when we started our DMP, we didn’t stop paying into our sharesave with work (naughty, I know). The reason being was that the deal that we got…
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Nice update from Caboot
Had a debt with Caboot for an old citicard. They set up an arrangement and offered with a small discount. It was paid of on the 14th of June and now in August they have updated Equifax. But I want to thank them for update the agency as a full payment without having to request it and though its August they marked the update…
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Unable to meet Payday loan repayment
I won't bore you all with the reasons why I can't afford to repay this, but all I will say is that I've been in hard times lately and am taking my first few steps to get back on track. Also, I've heard about the evils of payday loans before and believe you me, lectures and negative advice from the odd one or two of you…
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Just to say.......
...... I'm paying off the last payment on one of my debts tomorrow:j. The 1st provident loan will be gone freeing up £120 a month and enough money to hopefully not have to resort to the evil pay-day loan companies as much!:o, which in turn will free up about £175 a month in payday loan interest to start some serious debt…
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help not sure what to do
hi about 3 years ago i signed up with harrington brooks debt managment and agreed to pay £200 a mont of my 4 major debts in wich they charged £30 a month. i kept getting statements of my creditors and 2 of the debts were going up not comming down i phoned harrington brooks and they told me this was not the case stupidly i…
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Help Requested
Hi We have recently entered into a DMP with payplan and i'm happy how its going and all creditors have frozen interest!!! So Happy but we didn't get into this situation by any fault of our own. When i had my daughter i ended up in psychiatric care for a while and when i was discharged my husband was made to give up work to…
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Equifax Credit Report + Egg = Settled Debt
Hello, after taking my head out of the sand and starting to sort my finances out, i checked both my experian and equifax reports, so that i could get a list of all the debts i have. on my equifax one the egg loan i took out says it has been settled ( i had defaulted on this when i left my expensive DMP with Gregory…
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Full and final settlement letter - advice needed.
Hi people, I have received a written acceptance letter of my settlement offer. The outstanding balance was originally with Nationwide and has been handed over to KPR. I was hoping someone could advise me if the wording is sufficient to be 100% sure that they or no one else will be able to pursue me for this in the future,…
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Overpayment of SAAS Bursary/Harper Macleod LLP
Hi, I am looking for a bit of advice on a debt that I have/had. In 2005 I was given a bursary by SAAS, however in 2006/2007 I was told that SAAS had made a mistake ( they had read my parents P60 wrongly (even though I had written down the correct figures) ). SAAS asked for this money back at the time however as I was still…
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Credit card cash interest
Hi, now, I have a cc with a balance of 2500. each month i pay off the interest but usually go over the limit. I have just started to sort my finances out and contacted the company about the interest which has been accrued. I havent taken any of cash out since january 2010 and the company have told me that 2430 of the…
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I want a family
My partner and I are in our 30's and currently re-paying our debts on a DMP with CCCS. At our worst, we were almost £70k in the red and had our heads burried well and truly in the sand. We managed, just about, paying off the minimums each month on credit cards, overdrafts and pay day loans and just extended overdrafts and…
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allowable expenses
Have to move for a job - need to rent out house (can't sell) and rent new flat near job. Income from rental of house is offset by allowable expenses. Do these include the rent of the flat?
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If you aren't in arrears or struggling with CC payments...
... can you still request that they put a freeze on interest and stop adding it if you agree to close the account i.e. not spend on it anymore? I was thinking about being a bit sneaky and each of my cards, one by one - my smallest first - saying I was going to be in a bit of financial hardship for the next 3-6 months or so…
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Not sure where to start, help please!
Hi all Fortunately my predicament is not as bad as many but enough to be a cause for concern, but lately it's just got on top of me and need to sort it out but don't where or how to start. All help is much appreciated. This year I spent a considerable amount of time off on the sick, post operation, this has left me with…
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Debts = Regrets !
Hiya, I've been reading your forum for a while picking up some great tips and now I'm brave enough to post!! I'm really sorry about the long-ness of it!! I stupidly got a Halifax CC in 2008, as soon as I turned 18 as I thought it's be a wonderful idea, I was earning £12k at the time and the limit was £2,800 Basically I…
