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Credit Reference Agencies
Hi All, 2012 is the year to sort out my finances, so in preparation I need to acquire my credit files, Am I right in thinking that there is only: Equifax Experian CallCredit And I can request these by sending relevant details and a £2 postal order?
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Worried sick about appearing in court.
I hope someone can advise me on this. I have a DMP set up but one of my creditors took me to court and the judge ruled that I should pay what I was already paying via my DMP but the creditor has appealed and the proceedings have transferred to my local court. I am awaiting a date and have to appear - I'm absolutely…
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No light at the end of the tunnel......
Hi All I posted the below thread over a year ago and am gutted to say that not much has changed and I owe more than the £25k I thought it was - after working out what I owe and to who I feel physically sick that its £35k...... :eek: not in the greatest mood today at all and just want to crawl into a dark room and stay…
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Debt Collection Letters
What happens if you just ignore them? I owe about £500 quid to a utility company, and I intend to pay it back starting 2012 but curious what's the worse they can do? Would they really take me to court over such a sum? I should clarify I actually do intend to pay this debt back, on my own terms when I can afford to. In the…
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Loan amount dispute.....
I dont know if this is the right section, so please bare with me. I had a loan with NRAM that went into difficulties so was passed to a DCA. I then reclaimed the PPI on the loan as it had been mis-sold (single payment ppi to cover 10 year loan - only covers 5 years). I then received a letter from NRAM advising me that the…
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im in a mess advise needed asap
i have struggled with debt for a long time without my husband knowing anything about it a few years ago i started working as an agent for provident personel credit . i knew the customers really well as have known them for a long time as i live in the collecting area. one ov my customers said she would take a loan out for…
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Think I've hit rock bottom...
I've been on here a while. I've done my SOA and I've never posted it. I should have about £260 left a month after all my outgoings and I can't account for it. I have started a spending diary and that seems to be going good. But this week has highlighted that my job might not be secure. I don't like my job but right now…
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Phillips bailiffs
I have been ignoring a fine for months and months now and now I have a letter from the bailiffs saying they came to my property with the intention of seizing my goods. It's for a total of 395.00 and I can't pay this off in full. I can afford 100.00 a month. Is this a acceptable amount to pay or will they be looking for…
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RBS Decree From 2006 - Need Advice
Dear All, I decided to start a new thread instead of adding to my old one as I want to ask specific questions about this. I have just called the court and it would appear that there was indeed a decree extracted on 14th June 2006. To re-cap, the total sum due was £13345.54 including interest. I took no action whatsoever at…
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Wednesday 16th 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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Nightmare with orange prepay mastercard - money vanishes!
Dear Martin Lewis, Going through an utter nightmare at the moment with this card! After having purchased this card from the Orange website, I went on the 09th November 2011, into the Orange store (now known as Everything Everywhere) in West Ealing London - none of the staff had ever heard of Orange ever having this card,…
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New Chapter for me
A new chapter in my book I was previously writing in my old thread as DFW with Depression I have decided to start a new thread because I feel I have overcome a lot especially over this last 6 month: Over this time I have lost two stone in weight i am sleeping 8 hours (regular) I have been on and come off Anti- Depressants…
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Spending vs. alcohol
I have been lurking for a while and enjoy reading all the threads but think it is about time I committed to some positive action. My goals are simple: drink less alcohol, spend less money! I should give some context - I don't binge drink, just enjoy the odd one (too many) with DH in the evening but I also have two gorgeous…
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Newly in debt and raring to get back out of it!
moved to debt free diaries!
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The Money Group and their shocking treatment of people
I got an unsolicited call from an 0845 number recently which has been incessantly calling at all times of the day. No-one on the end of the line would leave a message or say anything, and I found it all a little baffling so I thought I'd google the number. The first few hits revealed it was "The Money Group" cold calling…
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Littlewoods ??
i have an account with Littlewoods, of which im paying off a tv, I have these silver rewards of £10.99 Anyone know much about these? I cant even see how to use them
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The "Pay ALL your debt off by Xmas 2012" challenge
Hi Everyone, I have set myself a target of paying off all my debt by Xmas 2012. I have over £16k of debt to shift so it's going to take some doing! I've decided to start the "Pay off ALL your debt by Xmas 2012" challenge to help me get there and I hope that you will join me to! I've also decided to start this challenge now…
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Cabot Advice
Does anyone have any expreience of F&F settlements with Cabot. I wrote to them about 2 weeks ago and made a F&F offer for an account I hold with them and today they have written back refusing my offer and making me an offer that is £58 less than I owe them!! I know that when I called them 3 months ago they offered me a…
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What To Pay Off Next - Help Needed
Hi, We have gradually built our debts up and up for various reasons but without going into too muc details as to the reasons for this, our current debts are; Current Acc 1 - £700 overdrawn (standard interest rate) Current Acc 2 - £1000 overdrawn (standard interest rate) Current Acc 3 - £1500 overdrawn (standard interest…
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Have messed up with CCCS- what do I do now?
Please can anyone advise me - when I first started my debt - free journey I already had a current account with a £500 overdrat facility, with the Norwich and Peterborough which I switched my salary payment into. I set up all the DDebits and ran it beautifully for several months. Then DD came home from Uni at the end of…
