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Debt Advisory Centre
Hi We are in the process of settign up a Debt Arrangement Scheme with this company. Is there anyone else that uses them and how do you rate their service? Thanks Chock
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hiya credit report advice
hello. Just looking for some advice. When i first started checking my credit reports, obviously there was a lot on there in the red which has slowly got better however last year https://www.checkmyfile.com seemed to have a few defaults on them from Lloyds TSB. These didnt appear on callcredit, equifax or experian…
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Please help. - unfair default from a debt taken out by someone else in my name
Hello there, i need some help about getting a default removed from my credit report that isnt even my fault!!!!!! what it is, im 22 years old and ive tried to apply for a loan and even an overdraft with my bank and im constantly getting rejected and i dont understand why. that lead to me registering with experian, and…
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Reduced payment, loan problem
Hi, any advice is most welcome. My partner has a personal loan with LLoyds tsb, and since may 2010 has been on a reduced monthly payment, which was agreed by LLoyds, this was due to personal reasons brought on by her ex. It has now come apparent that it is affecting her credit file, as its going on her file as a missed…
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Prove it Letter needed
Hello, My husband has started to receive letters from Capquest claiming he owes £430.00 to the RBS bank. He last had an RBS account 15 years ago when he was a teenager, so this has come out of the blue. We have sent 1 Prove it letter, but they have responded with a "Letter of claim under the Practice Direction - Pre Action…
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Salary Overpayment - now have CCJ!
Hi I was wondering if anyone could advise me on the following; I worked for NTL (now Virgin Media) on a part time basis whist at university. I was there for over a year, then I was signed off with stress dues to personal; issues. Whilst off sick, I was contacted by the company advising me that I had been overpaid for 12…
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Todays Dealings with Lowell Portfolio
I have several accounts with Lowell Portfolio and before setting up repayment plans, or in two cases disputing debts, Lowell would phone me every other day about one debt or another. Today, they sent me statements of a bank account that went overdrawn through non paid direct debit charges, to the tune of £400. I have…
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ccj help with water company
im new to this site and hope im not spoiling a thread, but ive recieved a ccj re:yorkshire company for non payment of water bill, basically whats the worst that could happen if i ignore this?? im not trying to be clever,its a case of i dont have the money to pay it. the letter states i have till 9th feb 2012 to pay or they…
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Unpaid Council Tax Dispute
Hello, Not sure if this is the right place to post but I hope someone can offer some advice! My sister was in joint tennant in a rented flat last year, she had set up a standing order each month to pay the other tennant money for the council tax which the other tennant was to pay the council each month. They have both…
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letters from 1st Credit
this is my first post here, just looking for some advice. My partner is receiving letters from 1st credit. The first one said they were looking for him, and if they didn't hear anything back they would assume he lived at this address. Then the next one said he owed £2886 to Barclays Partner Finance. Then there has been…
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Spend Savings on Mortgage or not?
Hi, Quick question... I have a fairly substantial mortgage, and a bit of savings. I've got quite a good mortgage that tracks 0.5% above BOE base rate. Would I be better keeping my savings in an ISA, or use it to pay a bit more off my mortgage? We are thinking of moving this year aswell, so not sure if it would be better…
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Identity theft - help!
I have a friend who had her identity stolen. The police were involved and it's not happening any more. The problem she has is now is with her credit rating. She'd like to get a mortgage and even a contract mobile phone without getting hassle! Prior to this she had an exemplary credit record, and she wants it back! We think…
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Improving Credit...
Hello, I have just checked my credit. I have had some problems many many years ago (2 late mortgage payments, a couple of defaulted small loans, but all cleared off 10+ years ago), I had put off looking at it for a long time. I am happy to report there is nothing on there, the only two things showing are my current account…
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Can I offer car finance company a lower settlement figure?
Hello, This is the total amount of debt on the car that I took including interest £14952.80 The total amount of credit without interest is £11107.20 I have paid 6 x £238.63 =£1431.78 so far and I am nearly in a position to pay all of the debt off. It was a poor agreement to get into and I am now clearing it. I phoned them…
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Rent arrears nightmare help
Hiya all, Really need some advice on behalf of my younger sister, I've posted on benefits pages but need some advice regarding her rent and council tax arrears too. She has spoken to the local authorities to advise of her situation and they have told her flat unless she pays £28 a week rent and £26 a week arrears they will…
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Please can I stay here? :)
Further to my other post about facing BR, I have just been on the phone with a different debt counselling service, one we all know and love :beer: and basically the only option we've come down to is an IVA......Now my next question is can I still stay on this board with you lovely people? :p I am still a DFW, just feel…
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Metropolitan collection services
Morning all, I have an outstanding debt with metro of £312. I am in a position to offer a full and final settlement of £170.00 I would like to write and email the company. Has anyone got any of these details as I can't seem to find my last letter thanks
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Lowell Portfolio Default
Hi Sorry if this has already been covered elsewhere on the forum (pretty sure it has), but I have just obtained my credit report from experian and it does list all of my accounts. I am in my last year of a DMP and out of 10 creditors I only have 3 defaults issued against my name to date. Anyway, one of the defaults is for…
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MMF Advice
Morning, I was wondering if someone can give me some advice. I am in the process of clearing my debt, mainly payday loans, and so far have it together and am working my way through them. I have been receiving letters from a DCA called MMF or Motormile Finance, when I say receiving letters I have only had 2. The majority of…
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Friday 3rd 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…
