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Council Tax Debt - Bailiffs to attend for removal at 4pm
Hi all - I was wondering if someone could help me please. I woke up this morning to find a hand delivered letter to say that Bailiffs will visit at 4pm to remove my goods and that I must phone to prevent it. I phoned the Bailiff and he said that the only way he would not take all my things is if I did a walk in posession…
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My neighbours are unbelievable
Hi everyone, I'm a regular poster here and I didn't know where else to put this as I know you guys are a lot nicer than some of the other forums and I trust your opinion. I'm posting this under a new user name as I don't want to be recognised by the people in question who I know go on here as well so just in case they…
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Struggling - added SOA
HIya, well this is a new thread, linked to my original 'Struggling' one here (please read) https://forums.moneysavingexpert.com/discussion/3791183 I was asked to post my SOA as agreed with the CCCS (which I did, but badly, as I missed off income!) so I'm reposting here. We're planning to ring the CCCS tonight to see if we…
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Wednesday 15th February - 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, we often feel that we are not making the same amount of progress, when…
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Loan situation - hypothethical
Firstly this is my first post To begin i've got a bit of an insomnia so im always thinking of all sorts of random stuff. I just googled 'what do doctors do when they get sick' but anyway the next mind boggling thing is: Say if i took out a few loans from differnt companies, i.e went to 10 different banks, asked for the…
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Santander sold debt to Westcott threatening to send bailiffs!
moved to Australia in Feb 2010, it was a rushed move and I did not have time to close my bank accounts etc. I did however stop any direct debits etc as had online banking. After a few months I no longer had access to this as my card expired and did not have a new one. I was not concerned as was no longer using the account.…
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best way too clear my debts?
Over some time I have run up debts on my cc's and overdraft,they haven't got worse, I've just been struggling to start paying them off, first thing I've done is get rid of my car and start cycling to work (saves about £150 a month + trepairs) and brining a packup(saves about £25 A week), plus side I lost 7lb :-) , Virgin…
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Just realised im in s#!t street, soa
Just decided to sit down and try and work my finances out as they always seem to be getting worse now i know why, really dont what to do, even contemplating bankruptcy, help!!:( Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income…
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Searches and Default with Cabot question.
I'll apologise in advance for the length of this post, there has been some extensive copying and pasting! Basically, I bought my credit report from Equifax and saw that there were searches from dca's in table 1 at my previous addresses. I raised a dispute with the cra because I have been on the electoral roll for the last…
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Odd Phone Call from RMA/NCO
At work today on my office line, I rec'd a call from a call centre likely to have been overseas. The woman was very aggressive, immediately asking my name, which I confirmed (not knowing who was calling and it may have been work related). She then asked me to confirm my date of birth as she was calling from RMA about a…
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what shall i do about tesco??
last march my car insurance was due for renewal and i wanted to pay in full rather than monthly to save money. I didnt get paid till the beginning of april so i put my car into a mate car garage, on private land, and informed tesco that i did not wish to renew my car insurance. I then renewed my car insurance with LV as…
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Payment Plan
Hi there, My mum is having problems with paying credit card billsdue to a number of unforseen circumstances,She has called up her creditors who are fine about reduced payments apart from vanquis who are demanding £60 a month.Is there a template letter on here that i could copy so i can arrange a payment plan? Thanks…
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Is this letter worth replying to
any advice appreciated? I had a debt years ago with Dorothy Perkins (i think) store card. This was passed to Activ Kapital and i settled it in 2005 with a f&f. I didnt know much about debt collection back then but i still have my bank statements from that time which prove i paid them. (ill need to check how much it was, i…
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Snowball calculator
Just wanted to say I would thoroughly advise using the snowball calculator as it really helps to put things into perspective! I feel so much better for doing it and we have a worst case scenario DFD of Oct 2014 and we are determined to knock this down further! It is nice to see some light at the end of the tunnel :j
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desperate for help
Hi all. I am new here, here is my situation. I am a single mum,I earn 700 a month,plus 700 tax credits. I owe 6000 on a car loan,4 years to go, 150 a month.Also 5000 Barclaycard(100 a month),3500 Halifax Card(60 a month), 1500 Santander card(60 a month), 2000 Argos card(70 a month), 500 in moneyshop cheques(keep extending,…
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Equita main switchboard number (not an 0844 non-geographic)
Found this today, have looked here for it before and couldn't find anything, so thought I'd register and post it up in case it's of use to anyone else! 01604 250116 Much lower or zero cost to call from landlines or mobiles, and funnily enough doesn't seem to be any wait time on this line either! And if you don't have your…
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New to forum - need debt advice
Hi all, Hope you are well. Just watched Martin's debt video and wanted to get all your experience on tackling some of my debts. From studying abroad, internship overseas and generally city living, I have unfortunately built up a debt of approx £25,000 over eight years which I want to pay off at the cheapest rates. If the…
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My SoA. Any and all advice is appreciated
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 4 Monthly Income Details Monthly income after tax................ 700 Partners monthly income after tax....... 700…
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Received a call from LCS
Hello there, Today, I received a voice message from "Emma at the LCS, on behalf of Ian" who told me to call her on a number - which I traced back to LCS debt collectors - and then mentioned a "Court Reference No". I forget what the number was specifically. I know that most people receive letters from LCS, so should I treat…
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Help Needed
Hi All I am new to this and really don't know where to turn or what to do. I received a letter yesterday in my married name (having been seperated and divorced for over 9 years now), from a company stating they had private business to discuss with me. On this letter was a very old address where I lived 12 years ago. I…
