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Help please with historic debts
Hello to everyone this is my first post so please forgive me if I get anything wrong. When I was younger approximately around the age of 20 I was earning good money and had an excellent credit rating this was back in 2004. As a result loan companies etc pretty much gave me free reign. I soon found myself being paid and…
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endeavour personal finance
I have a secured loan with EPF and i have just lost my job. I want to know the best way to approach them about my payments. There are only 5 months left to pay but it is going to be a struggle to pay. I know that i will have to talk to them but do i phone, write, what is the best way:o
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CCJ not shown as paid.
I'm not great at wording things so please bear with me. :) I defaulted on a debt in 2006, i then recived a CCJ in 2007 which has been paid off compleatly (cleared the debt the same year). The default from the company has been updated on my credit records as settled. But the CCJ is saying it's still outstanding. It isn't. I…
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Debt Not Mine...help?
Before Christmas I received a letter from Lowell saying I owed money to Three Mobile and they had taken over the debt. I didn't know anything about this debt, and after a bit of digging through old paperwork, I found my old Three contract and the account number didn't match the one I am now being chased for. It is dated…
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Just found out i have a CCJ after 5 years!
Hiya, hope someone can help. Last week i applied for a small loan and they have turned me down as i have a CCJ. This was news to me, i had no idea what it was for. I did have about 2k of debt years ago, but worked very hard to clear it and have avoided credit ever since. I was nervous about getting this loan, but the…
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old debts
Hiya, I have just received a letter from Bristow & suiter regarding debts that were run up in 2004, 2005 and 2009. My question is whether the debts can be collected when it has been so long since the debts were run up? believed these things were dealt with properly by my ex-husband, but it appears he did not pay them.…
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cheltenham and gloucester taking me to court!!
I have been struggling to pay my mortgage for about 4 years now since my hubby and I split. The c&g allowed me a payment holiday in the 1st year and then I managed to pay the full payments for 2 years. However early last year I took over looking after my elderly parents so now live on carers allowance and some income…
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Question?? - Is it best to stay with a debt management agency or pay back creditors??
Im currently with Payplan who are a free debt management agency and i have a plan in place paying back my creditors. However, when this is seen by a credit referencing agaency my credit rating goes down even though im paying back my debts so im wondering whether it is more beneficial to pay the creditors back direct???
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Bad Debts NEED HELP
Hi Just signed up to see if i can get any info to help me basically i have way to many debts spread out and paying them all off is leaving me to short of cash to live on I have about 10k debt in total over 3 credit cards & 2 store cards the interest rates are sky high on them (never had good credit rating) so iv been…
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Letter from Credit Company
Hi all, Not sure if I'm posting in the right place or really what to do. I got a letter this morning from a company called Ruthbridge Limited regarding a very old debt with Barclaycard through their client Cabot Financial. This debt was on a credit report I ran back in 2009 saying it was valid from 7 Oct 2003 and would…
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Snowball calculator
Hi, Can anybody point me in the direction of the Snowball calculator please?...I've searched the site and I can't seem to find it...need to start tackling these pesky debts that are slowly creeping up. Many Thanks, Jess x
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Debt getting BIGGER!
I posted this a few days ago: "2005, ran up a £1084.67 bill with a cataloge. With some other debts decided to go with a DM Co (Harrington Brooks) Have paid every month since then (albeit small amounts under £10) never received any statements from HBs but received statements from the company's I owed moneys to, but didnt…
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Advice on Constant pestering please
Hi There I was just wondering if somebody could give me some advice on an ongoing problem we are having with a debt collection agency. The company phoned my wife late last year regarding a debt which is approx 8-10 years old, she was threatened with the usual lines and agreed over the phone to set up a payment plan…
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Statute Barred Help Please ACTIV KAPITA NEW DEAL
Hello Please can somebody give me some sound advice, about 10 years ago I got into quite a lot of debt basically getting one loan etc to clear another. I took out some store cards etc, rubbish home sopping loans, mobile contract and whilst I cleared some with the help of a local money and advice centre they advised me to…
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Tuesday 14th February - 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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Poor credit score. What to do?
Hi wasn't sure whether to post this question separately or add it to an ongoing post I have but I guess I need the best advice I can get. Please bear with me this is long So I have had my LBM and am trying to get back on track. !In addition to paying off my debts I want to recover my credit rating as swiftly as possible.…
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Barclays and setting-off
Hi, Im not sure if this is the right section but im looking for a little bit of advice. Ive only just realised Barclaycard have taken over all Egg accounts, I see now this was big news but I dont recall ever receiving word about it but thats not really the problem at the minute. During the credit crunch I entered into a…
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DWP - Social Funds repayments
Hello, my name is Michael, I lived in London/UK from 1999 and moved back to the country of my origin (Germany) in December 2008. During this time I partly worked and was partly also unemployed. Today I received a letter from the DWP with the following content: My questions are: 1. I do remember to have taken loans during…
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Over Draft v's CC Debt
Hi all im currently into my OD and i also have 4 CC that need to be paid off i want to improve my credit rating also would i be best to pay off my Over draft first or pay off one of my CC im aware i pay alot more intrest on my CC than my OD i was going to pay off one of my CC this month, but since reading other ppl diary ,…
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Repayment Dilemma
Hi, I’m looking for some advice please. I’ve been on a DMP since Aug 2009, debt was £80K now down to about £60K. Everything is going well – all interest has stopped and I only get 6 monthly calls which I’m well used to dealing with. Initially I set my repayments too high and underestimated bills, emergency fund etc, but…
