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Where do I start?!
Hi everyone. I've made some very poor decisions in the past which has landed me in a situation I can't seem to dig myself out of. I'm determined to get out of debt but after trying for months I just seem to scrape by treading water and never actually paying anything off. I've had a couple of payday loans for about 8 months…
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Fredrickson International!
I have debt against my name which isn't mine. I requested a signed credit agreement from them in July '11. This stopped all attempts from them. Last month in Jan '12 I receive letters from a company called Fredrickson International demanding the money and saying they have bought the debt off another company (A company I…
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Options of paying off DCP
Over the last 6 months I have set up a debt consolidation plan in order to reduce my £7000 worth of debt. I am now in a position to consider full repayment of this debt. Would I be better attempting to settle this personally with my debtors or allowing the debt consolidation company to negotiate on my behalf? What are the…
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Bailiff issues (bill in my name that's not mine)
Not sure if this is the right place as I'm not actually in debt but here goes: Lived in student halls in 2008/2009. They had established a new procedure of paying for all utilities up front for the year which I had duly paid and thought everything was happy. Previously students had had to pay their own bills which didn't…
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"Mitigate Trace & Collect" - anyone heard of them?
Anyone heard of these guys? Standard "we want money" letter - we've proven to a DCA that the debt was taken out fraudulently but still.... Send them a standard "prove it and push off" letter - or just report to the OFT/trading standards?
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CCCS Expenditure sheet
Please could someone help, my son has just contacted cccs, does anyone have a link which shows the expenditure sheet they provide you with? Could I also ask what is the minimum amount they take per calendar month? Thank you for your time :beer:
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Help Needed - Default after 'Fraud' - 3 years on...
Hello Money Saving Experts! This is my first post, I've been putting it off, mainly due to trying to sort this out myself. So, without trying to bore you all too much, here's a brief breakdown of something I've been going through, and something I need some help and advice on, if at all possible. In March 2009, I went on a…
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Making small payments
I'm slowly getting to grips with my debts, making small regular payments to various companies (Fredrikson, CCS, DLC) etc, but I've noticed a lot of them have minimum amounts of £10 when paying online. How do you guys get around this as some of them I only can afford a fiver at a time ? Help appreciated.
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Try the NEW newlook forum
To try it go to https://forums.moneysavingexpert.com/discussion/3796829 and please feedback there too
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I'm back and i'm broke, did you miss me?
Good afternoon everyone! :D After a few years away (but still adhering to the MSE lifestyle and occasionally lurking:p) I have returned. After finally becoming debt free, I worked my backside off to save my house deposit. Which, i'm happy to tell you I have just blown on my very first house! :p all on my own :) completely…
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Baby due in June need some advise on current debt
Hi all I’m expecting my first baby at the beginning of June so I am trying to pay off as much debt as possible before the baby arrives. My Debt at the moment are: Description Debt Monthly APR Lloyds TSB Loan £7,906 300 7.6% Virgin Credit Card £5,496 55 0% until Feb 2013 I am due to receive my annual bonus in February which…
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brother's financial mess
first thread... hope its in the right place etc. :) My brother's finances are in a totaly mess, we are pretty close but I feel like I only know the tip of the iceberg in regards to his debt. My mum gave us both £3k for starting university, he blew his in 6 months (mine is in a fixed term isa) on what I have no idea. He has…
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Debt Free DIY
Hello All Posting this on behalf of a close friend who is planning on a DIY debt management plan. They are currently with one of the companies that charge a monthly % and fed up of giving them alot of money for doing very little it seems. They plan to cancel their current scheme and go it alone. Has anyone got any good…
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Where are my debts?
Hey there. After years of buying my head I really want to take the step forward to become debt free. Ive had a court order come through from an old debt from a DCA which is a wake up call. Something I need to deal with although struggling to know what to do. I've been reading some fabulous advice on this site however I…
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My Son's O2 Debt but in my name!
Hello, This is my first post on the website and is to do with a recent debt I have found out about in my name. I recently applied for a loan for some home improvement but have been turned down. I was surprised about this as I believed I have a very good credit file. When I spoke to the bank they informed me it was due to…
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Debt collection agancy doesnt have my credit agreement
Hi, I hope you can help. I have recently followed advice on this forum and written the debt collection agencies who I am paying money to asking them to provide copies of my original credit agreement. I had the first two letters back yesterday and 1 said 'we cannot provide you with the original agreement and therefore will…
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My Story
Been a reader of this site for a while now and have read many stories that are similar to situations I have found myself in over the last few years so thought I would share mine. I’ve just turned 31. Left school 13 years ago after doing my A’ Levels. I thought about going to Uni, but had 2 younger siblings and my Mum was a…
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British Gas debt?
British Gas debt? Hi, i have a default on my credit report from British Gas. The default says ''satisfied''. I'm sure i have paid this but can't find any documents for it. I think i paid it in 2007. British gas have informed me that they passed it on to a Debt collection agency in 2009 as their records say it's still…
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Fredricksons - carphone warehouse
Morning All. I have an old carphone warehouse debt that has recently been chased by Fredricksons. I honestly cannot remmeber the number etc but they have sent me a statement and it could have been me, it was well over 6 years ago but it has been showing up on my credit file as a default. Anyway, This is due to fall off my…
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Unauthorised direct debit, over £200 in charges and no support from bank
Santander if that makes a difference. Bank tells me that since I gave this company my direct debit details in the past even though I cancelled direct debit and also with company then even though 6 months later they tried to get money then its my fault since because I gave them details they can set up a direct debit at any…
