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Self Debt Management!
Hi Guys, I just wanted to post my positive experience. Still in debt, (£10,300) but I am now repaying! Wohooo! Basically I got my head out the sand and rang each creditir myself. I have plans with each and repay a slightly lower amount, but without interest! SO my debt is coming down and I'll get no defaults registered.…
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Keep the account or close it?
I'm trying to clear up my credit profile and was wondering, when you've cleared an account, is it better to keep it open with a zero balance or close it down? Which one would make your credit profile look better, or doesn't it matter?
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Without Predjudice F&F
Can someone please help? I have been offered in writing a Full and final settlement of one of my accounts and although only saving me £20 its £20 I can pay extra to something else and then frees up £50 a month. However the letter I received has in bold at the top 'Without Predjudice' What does this mean?
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Switching from Managed DMP to self managed
I have had a debt management plan in place through a fee taking company for around 2 years and am looking to take this on directly to start paying more than I currently am and hopefully increase the amount too! Has anyone else done this and what sort of response have they had from creditors? Anyone have any templates that…
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Lowell - TMobile
Hi My husband received a letter from Red debt collection advising that he owed £700 to TMobile, however he hasn't had a TMobile account for over 6 years. We wrote to them with the standard letter: - I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond…
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Payday loan and budject planning help
This is my first post I would appreciate some advice about my current situation. Taking Martin’s advice I have contacted cccs and I now have the contract to send back to them. Now in the contract it says take on no further credit. What I have been doing is living on Payday loans with the aim to reduce my loan each month…
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Debt Collectors pursuing innocent people
I came to this website for help with a debt agency that was bothering me because I had the same name as somebody in debt. They went away eventually but now they're back with another bogus claim! This time they've found my phone number and have started harassing me by phone too. They demand that I give them personal details…
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Paying off one debt but leaving other debts "going"
Is this practice general frowned upon? I may be in a position to pay one of my creditors off early next year (around £350). If I paid this one off, would it be frowned upon? Im not in a DMP etc, I'm managing my own debts. Thanks.
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Checking who I owe money to
Is there a way I can find out who I owe money to? I've tried Experian but having had an account with them before they want to charge me £40+ for the privillege. I think I may have a 2 year old gas bill that I havent paid! :eek:
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Lowell Portfolio - Following CCA Request
Hello! I had been receiving letters from Lowell Portfolio for a month or so, when in May 2011, I decided to write to them requesting information in respect of CCA, along with a £1 coin for the provision of the information, based upon information found else where on this site (thanks!). The debt in question relates to a…
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Information Commissioner
To anybody that is interested. I have just reported Lowell portfolio and Experian to the Information Commissioner. I challenged Lowell on a debt that they were chasing me for as it was statute barred, They came back and Agreed and confirmed that this was the case and that they had closed the account and stated that I owed…
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Address for TSB
Sorry if this information is already on here or the TSB website somewhere but I have tried to search it out and have had no joy. Basically I am in debt with Lloyds TSB for a credit card and an overdraft. I have spoken to the CCCS regarding this and they have sent me a template letter out and advised me to send it to TSB…
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Halifax have referred me to Robinson Way :(
Briefly I had an agreement in writing that Halifax would freeze my payments on my CC and be back in touch with me at some point in the future to review the situation. This morning I had a call from Robinson Way DCA asking me to make full payment to them. The RW caller actually pretended to be a former neighbour of mine - I…
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Worried and nervous about credit card debt
Hello all, I have recently started reading about your debt free posts and although I have never considered myself in debt I have hit my head against a realty wall and realised that if I am not in the black then I am in debt. So, here it goes; Car loan - £2421.88 (from £5500.00). Credit card - £2913.83 (interest free until…
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Overdraft problem
Hi all - I have an overdraft with HSBC on an account I no longer use. After a relationship break up I got this one to pay off my ex another. It is for 1k. I have been paying £20 per month but charges mean it is really £4. This is all I can afford. I received a letter yesterday saying they wanted me to pay £440 into my…
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Thursday 17th November - What small DFW things will you be doing today?
Thursday 17th November - What small DFW things will you be doing 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,…
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Drowning in Debt
Hi, Im a single 26 year old and im in £14,000 of debt. + a mortgage. I owe family £11k (interest free loan to help me buy my house). I owe Dfs £1600 interest freefor my sofas for said house. I owe Santander £1400 for a loan that i got to decorate. Im currently paying off £100pcm, £57pcm and £130pcm on the above. Taking…
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Credit agencies
Seem to remember a while back someone mentioned a way of getting a free credit check w/out giving card details and remembering to cancel before the 30 day period ?? Any help please.
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Omg!!!!!!!!!!!!!!!!!!!!!!!
Have been a lurker for a long time now and regulary do payment a day and saving my £2 coins only now my life has changed im now single with 4 kids and need to get my life back on track, so im aiming to be debt free i added my total debt this evening and it came to £11,516.75 :eek: So im hoping seeing it in writing will…
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full and final settlement request ignored?
I wrote to orange 2 weeks back offering a full and final settlement of £62 for a debt of £84 with them from a contract I used to have. Thus far they have not responded, what should I do if they ignore the letter completely?
