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Advice needed
Hi There, My main aim is to be debt free and living with me fianc!e (as I'm 28 I would like to be living in me own place and not with the parents) :D However bit of background: Had a loan and overdraft 5 years ago that couldnt meet the payments which at the time caused a lot of stress and for a solution I went with a debt…
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Now debt free!
Ok my case hasnt been as bad as many on here but 13 months ago I decided to get rid of my £8079 worth of credit card debt. Today I am 100% debt free, its a great feeling. Good luck to those of you still reducing your debts, you can do it! Edd
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Advice please
Like many people on here, I've managed to raise some debt over the years. Stupidly (and yes it is stupidity) I've let it get out of hand. Other than the mortgage - which I'm parking as I can't do anything about that at the moment - I've racked up about £25k on loans and credit cards. Repayments of £1000 a month are killing…
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Desperate help & advice needed - Pending eviction
Hi all. I'm a newbie to the forums. I need URGENT help & advice please. Due to ill health, I was off work from EO Jan this year up to Mid Sept this year. In May my company sick pay ended so I was left with SSP which was exhausted in Aug. Because of my health problem (depression, anxiety & stress), I totally neglected all…
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Are you considering a DEBT RELIEF ORDER?
Hi just wanted to share that my DRO came to an end at the end of last month and things seem to be OK, although I am in disbelief! Fingers crossed everything is settled. If you are considering it, the Consumer Credit Counselling Service were great helping me plan it all and then you go through to the Insolvency Service. I…
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I never signed my credit agreement
Hi there in february last year I went on a training course with a company called RF training based in manchester. The cost of the course was around £5200 and I paid half of this upfront. The remaining 50% was to be financed on a pay nothing for 3 months then ex amount per month. In the final week of the course a guy from…
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Lowell Finance - Christmas gifts .....
Ok my partner got through a red leaflet which says 12 days of christmas and address on back when you open it up it is from lowell finance claiming he owes someone money but it says if you pay 20 too your account by the 21st december they will give you 12 christmas gifts this is a very sneaky way of getting someone to pay a…
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HFO Services / BarclayCard
Hello All, I would like some advise with the following. I was recently contacted by HFO services LTD regarding an old Barclaycard that I have apparently had. Now to start I have no memory of this card. I'm informed it was taken out in 2001. The default was in 2006 and HFO took over the account in 2007. I was living with my…
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I just Found a Fiver
After a few days of mumbling about how little money I have, how big my debts are and how I really need to sort this out... I just found a fiver. First thought was take it to reception so someone can claim it (but then I found it on a uni campus so where would I take it), second thought was Chai Latte from the cafe to get…
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Default notices and Confusion!
Afternoon all, Hope you are all ok? Hopefully someone further down the line, or who has knowledge of The Halifax and Blair, Oliver and Scott can help. I have been on a DMP with the CCCS for 19 months now, and Halifax were still charging interest - reduced, but meaning my balances were not really reducing for the Halifax…
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Credit agency chasing a previous owner of our house
Hi all, we bought this house in July and over the last month have been receiving letters from Apex Credit Management. It is not for the previous owner of the house but we think the name is the owner previous to that. He would have been here till 2007 as that was when the house was last sold. Till now I have marked all…
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1st credit - legal proceedings
So I owed Vanquis £475 (my limit was only £250), I paid £200 to them leaving me £275 on the card and on the same day received a letter from 1st Credit for £475 with % discounts etc. A few days letter I get another letter the same as before just with the new balance of £275. This was a week or so ago, today I get another…
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our home
what would happen if me and the hubby just left our home that we own ? ive lost my job and we cant afford it with other debt as well, just had enough
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Thursday 24th November - 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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Capital One Credit Card Default Cougar Finance
I have myself somewhat quite a problem. I have had a Credit Card with Capital One for the past say 7 months around 4 months ago i lost my job and was unable to pay the minimum payments. I was contacted by Capital One to which i informed them i was unemployed agreed that i would try to find the amount of £30 they asked for…
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Notice to ALL Sealed Pot Challengers!!
Hi everyone! Well, it's that time of year again when, after all year saving hard, we will be opening our pots on the 1st December....next Thursday!!! Don't forget your moneybags from the banks...that's about all you will get free from them! All saved money can be taken to a bank or local shop/PO where they are usually glad…
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I have to Issue A CCJ
Firstly apologies if this is in the wrong place but, I have to issue a CCJ for over £4000 for goods not supplied to me by A vendor. I can complete the CCJ form on moneyclaims online, but am unsure whether to name the individual or the business. I think it should be the business as I paid the money into the business…
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Please help...so confused
I have a lot of debts which I have been struggling to pay and have recently come ocross this site which is full of great advice. I am looking at different options, but my question is: if I ring my credit card company up and ask them to freeze the interest, but continue to make minimum payments (as opposed to reduced…
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Ex impacting on creditworthiness!!
Evening all. I've lurked, read and posted enough to know that credit scores are meaningless, however, I have kind of a linked question. I'm working hard at cleaning my act up after some financial delinquency culminating in 3 defaults, April 2009. After 2 years pestering ex has signed relevant paperwork to remove me from a…
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Would anyone pursue a £2 debt?
I recently got a bill for £2 from a particularly incompetent energy company. This was my final bill from them. I finally switched companies after years of unbelievably poor service. Aside from their appalling behaviour over the years, I don't even think I owe this £2. Would they actually try to collect this? I disputed a…
