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HELO-AGL Bryan Carter and a County Court Claim Form
Hello all. I have, this morning, received a county court claim form from AGL. This claims £177.14 court fee £15.00 Solicitors cost £50.00 Total £242.14 The particulars of the claim say; The claimant claims £177.14 being the balance of consideration outstanding to it under account number AGGL******** in respect of services…
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Advice needed :)
Hi once again. I am a newbie still to this site, can anyone advise me on using the link 'What the Cost' have been trying to do a snowball on there to keep on track of my DFD and wondered if anyone else does this on a monthly basis and if you have any problems with this, when I try to add a payment it seems to always come…
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I really wanna get sorted!!! Help! =)
Hi there guys, I'm new to the forum, but wanted to share my problems/story with people who clearly know more than me about getting rid of debt. Fact, of the matter is. I'm not in a horrendous mess, but I need a bit of support and extra help. I currently am 1 month in arrears on my mortgage, this is from October - however…
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Leaving CCCS to manage my own DMP so I can obtain settlement figures
Has anyone ever done this? Reason I ask is I've been offered some money from a relative to get F&F settlements for my 7 creditors. I will contact the creditors at the same time, but some F&Fs are going to be sorted before others. If that happens CCCS will simply redistribute the £700 I'm paying them to the other 6…
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Today is the day
...that my head comes out of the sand. Heya guys, been a while but I'm back. Hope your all well. I've have debts that I've ignored for years and now is the time I need to step up and deal with it. I hope that this place can help me with that. Today I have received a court order (ccj I guess) from a debt collector I've…
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Default notice advice
Hey all, I'm continuing to try and sort things out financially, and I have a few questions... I had a HSBC account and credit card, and they appear to have dropped off my credit record as they defaulted in 2006. Is this now unenforceable? I have a lloyds credit card and current account debt which has had no payments or…
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Statute Barred Debt
Hi There Could anybody point me in the direction of a template letter for a 'statute barred' debt, I have a situation with a collection agency which regards a debt (unsecured credit agreement-store card) which I believe I have settled however the collection agency will not except my proof (payment receipts to separate…
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HELP - Defaults
Will make this as quick as possible. Looking at 'trying' to get defaults removed from credit file. I am currently paying two debt collector agencies a monthly figure as agreed, however I was going to settle our agreement early in full as long as they remove default from file - is this possible and does anybody know any…
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Tuesday 7th 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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Offering ex-gratia payments as full & final settlement
For the past 3 1/2 years I been making agreed reduced repayments on three credit cards. I won't go into too much detail, but recently I was told that I need an operation that will result in me initially having up to 3 months off of work. This leave may be extended if I require chemotherapy. I am able to raise a small…
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Having to pay Council Tax twice
Applogies if this (my first post) is put in the wrong area. My fiance and I (both work in the medical profession) rent a flat together and I pay both our council tax for that property. In January, she got a new job 200 miles away and moved into Hospital accommodation there. Obviously I am looking for a new job in that area…
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Addresses to send creditors letters to re: starting a DMP?
Hi, Forgive me, but I am really panicing so much now :( I have all my creditors letters - based on the CCCS template they provide - typed up. The one that says: "Dear Sir/Madam, I have received advice from the Consumer Credit Counselling Service (CCCS) to help solve my debt problem. I am in financial difficulties and not…
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Super Scrimpers
Did anyone see this programme that's just been on Channel 4? It was so interesting, I didn't know it was so easy to change wiper blades. Did you gain any valuable tips from it? How about the mobile checker for your bills, Im trying it just now but its saying there's too much traffic haha. Must be other people having the…
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How to deal with Barclaycard
Through a combination of burying my head in the sand and underlying depression I managed to run up debts on my 3 credit cards about 5 years ago. I have already paid off one and am currently paying off the other two. One of the remaining two I hope to have completely paid off by the end of this year...yipee! The last one is…
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Loan missing from credit file
I have a fairly substantial loan with FirstTrust(14k) - taken out a couple of years ago and have been paying monthly ever since however it is nowhere to be seen on my credit file - is this normal or just an admin issue? What should I be doing about it? If anything?
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Credit Report Confusion, and Credit Rejection!
Hi, I have recently signed up to experian as I have been declined credit recently. My report shows that i have 1 negative factor effecting my account - from 2004-2007 when I defaulted on a Credit Card on 8 occasions (stupidity at 18/19/20 years old!). It was SATISFIED in 2008 (i paid it off - a grand total of about £280)…
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Problem with CCCS paying 2 organisations for the one debt!!!!
Hello This isn't my debt- it's my husbands. And he is by his own admission useless with money matters (he's good at many other things including maths funnily enough). Anyhow- he ended up in great difficulties a couple of years ago, tried to hide it from me, failed when the mortgage bounced etc...so he set up a debt…
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Have Experian ruined it for you too?
I am on my way to being debt free. I am doing everything I can to achieve this and within 18 months I should be debt free. Until that is, Experian got involved. I need a credit card with 0% interest for a while, to enable me to clear other debt sooner. Experian are saying I have a poor-fair report though. Now I don't miss…
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What's the Best Option?
For reasons I will discover on Wednesday when I go to my bank, I am overdrawn to the tune of my salary!!! I have scanned my bank statements and until mid December there appears to be no irregularities. By my own admission I have a 'head in the sand' approach to finance and don't really keep a tight rein. However I've…
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Managing a DMP with a non-UK address?
Hello all, I wondered if anyone had any advice for me on this. I've done some googling but it's not got me anything specific so I thought I'd consult your hive mind. My brother set up a DMP before leaving to start a job in the far east. He arranged for the Post Office to redirect his mail to my UK address and so while he's…
