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Help me
Hi guys, please help! I was self employed up until april 09, and due to various reasons i could never earn enough to put away for my tax bill. To cut a long story short i now owe HMRC £3700 in self assesment tax from when i was self employed and i just cant pay. I had a period in 2010 when i was paying £100 a month but now…
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Help with Credit Rating pls
I'm in desperate need of moving my debts around (£5500 on 2 credit cards) as they're both now charging me full interest which I'm finding difficult to pay off. However, over the last year whenever I've applied for a new credit card I keep getting refused. I've recently applied for a Virgin Card, last year I applied for a…
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Control. Worth so much more than money.
My debts are now relatively low, I'm paying off council tax after a bit of an error (their originial mistake, my stupidity!) and a cataloge debt I'd forgotten about in the depths of my slight psychological collapse a few years ago. My incomings are higher than my outgoings, and that feels quite nice. They're not THAT much…
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Moorcroft notice of intended litigation?
Can anyone help please? I am on unpaid maternity leave & have arranged to pay creditors £1 per month for about the past year. I found out a couple of days ago that all my £1 payments were being paid apart from one to Halifax credit card which for some reason Natwest failed have to set up incorrectly. I rang Halifax to try…
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Advice needed pls
Hello everyone, I just wrote a massive post detailing all our debt issues looking for advice and lost it, arghhh, so here goes again a bit briefer as i'm pushed for time :) Basically I am waiting for a DMP pack from CCCS but im not sure if it is the right thing for us. Husband and I have approx £8000 in unsecured debt and…
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First debt paid off!
On Friday I finally paid off my Next a/c !!! It has always had something on it since 2007, the highest being about £800, I can't believe this is the first time its been at zero since then! Well actually .51p in credit!!! :j Next step the small OD of £274 and hubby's credit card of £500ish which I've been chipping away at…
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CCJ - Everything was sent to wrong address
Hello, I have obtained a copy of all 3 of my credit reports and have noticed a CCJ on there. This was from an old payday company and the CCJ paperwork was sent out to the wrong address, hence me missing the 30 day chance to pay it off to have it wiped from my file. Is there anyway I can challenge this ? Should I call the…
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Credit report
I have a couple of queries about my credit report that I hope someone might be able to help me with. 1 - I recently got married, how will the credit reference companies know about this change, is it from the electorol role or do I have to contact them myself? 2 - I had a default showing with an Egg loan, that was actually…
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Newbie, lurker needing Default help
Hi there I've been a lurker on here for a while. Just thought I would throw this out there in the hope that someone can help. Me and my Husband have a default on an old Nationwide account. This was accrued to a number of issues 1) TWICE they didnt change our address when requested 2) Due to the above we did not recieve…
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Lowell Portfolio Threatening Letters
Hello good people, About 2 months ago i started recieving letters from lowell portfolio for a debt that i had with capital one from 2006. Having checked my credit file they seem to have put a default in august 2006. The amount of the debt is £560 . Im certain i paid this of at my old address. Over the last 2 months i have…
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£1000 - Which debt?
My lovely mum has paid £1000.00 into my bank account to pay off a bit of my debt. Trouble is, I don't know which one to hit. Current debts: barclaycard £2700.00 at 0% until jan 2013. I am currently paying £100 per month towards this ((around £40 over min payment) Overdraft on bank account £750.00 which is costing me £11.00…
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Credit Files...
I know there is a sticky somewhere on how to obtain the £2 credit reports from Experian, Equifax and Callcredit....but i cant find it :( Please could somebody point me in the right direction? Thanks loads :o
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Help!! Sole or Joint DMP?
Hi everyone, My husband and I are just wondering if anyone can help. We have got ourselves into large unsecured debts and have spent the last few days trying to work out our options. My debts are (relatively) modest in comparison to his and I can meet the payments. However, this does involve almost all of basic expenses…
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Credit Resolution Services- Where do I stand?
Hi All, Back in October, I cancelled my November DD for my Aberdeen Council course membership which was due to run until February. It was around £26 a month so not a lot of money but I had just purchased my first home and needed every penny. I have obviously now moved out and have just been given all my mail from my…
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Monday 13th - 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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help
need advice on my car brought a car in 2008 the monthly amount was 196 per month which was fine,at the end of that year was diagnosed with a rare cancer and had to undergo chemo and lots of different treatment contacted the fiance company and they agreed to reduce payments to 60 which was great and helped .well since then…
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Really Worried.
Hey. Im a 20 year old student that has (somehow!) managed to run up about 6.5k over the last few years. Its getting to the point where the debt is so bad that I'm struggling to live, even with my student loan. Im getting really worried and im not sure what to do! Can someone help me!?
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Anyone on a DMP with CCCS?
Just a quick question here. Do you all make your payment to them on the 1st of the month? I have been told my DMP is now set up, and as above, they will take my first payment by direct debit on the 1st. I'm not being ungrateful, but now I have a new basic bank account, I'm trying to get all my essential d/d's taken out as…
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dmp. early days but feeling positive.
Just wanted to touch base with you very helpful people and say that, although I have just got the ball rolling with my dmp, im already feeling so much better about my situation, and i'm positive about kicking this debt problem. I'm so thankful to the cccs and would recommend them to anyone. I already feel less stressed,…
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Why do I gamble?
I am doing so well, and keep derailing my attempts to become debt-free. :( Stupid Matt. I could've been so far ahead with my plan and be debt free, if I could just resist betting.
