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Any success stories with having interest reduced after compaining to the FOS
Hi, Myself and husband commenced a DMP with CCCS in Sept 2011. Most of our creditors have frozen interest or reduced to 3%, apart from the Halifax CC. The Halifax is our largest creditor we owe them approx £26K:eek:. We were on a special deal which ended when we commenced DMP as payments were late due to the way CCCS…
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Is my mum responsible for her husbands debt?
Hi, My mum married my step dad 13 years ago.(second marriage as both were widower's) My step dad has a policy from his first marriage that pays money to him. In the small print it mentions that if he were to marry again, then he is no longer entitled to the money. So, that's 13 years of money that he wasn't entitled to…
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So frustrated with RBS
I have an overdraft with them that I did get into a bit of a mess with but I'm now in a position to start paying (I have been paying £100 a month or so since August). I recently moved house and made the mistake of not informing the bank immediately, mostly because it was a pain because I have to go in branch. I went to log…
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How to stay motivated?
Hi everyone, I've been lurking these forums for a few months now, and find reading them to be a real inspiration, every day. I am full of admiration for all the people here who are working so hard to get out of debt, especially the long haulers who have so much determination it's amazing! :T My husband and I had our LBM a…
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Phillips and Cohen DCA..
Hi, we have received 2 letters from the above DCA,referring to my deceased mother in laws British Gas account. She died in 2003, and all bills were paid. The accounts are still open,as we have been trying to sell her house, without any luck. We still get gas and elec bills,but as the property is empty they are zeroed by…
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Last debt - Would this be stupid?
Hi everyone, I dont know if you will remember my SOA before I went on Mat leave but basically I had 2 debts - Studio and Next. I've paid off my studio but am still only making the monthly repayments on my next account (I can only afford this at the moment as the council are trying to workout my HB now I am fully on SMP)…
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Threat of Statutory Demand
Hi There, I would be grateful if anyone can offer any advice to me as I am worried sick.. I have had a hand delivered letter from an agent of Lowell Finance delivered to a previous address of mine (a family member passed it onto me) I have been advised that I will be served with a Statutory Demand at the premises tomorrow…
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Monday 27th Feb - What small DFW things will you be doing?!
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 to complain about northern debt recovery
I am trying to complain to the authorites about northern debt recovery due to them sending threatning text messeages and threatning me with ballifs when no court order allowing them to do so is in place. Im totaly confused about who I complain to and how - i really struggle with forms and downloads from websites and…
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MKRR Chasing Nationwide Debt which I paid but don't have proof!
Looking for a bit of advice so any comments would be appreciated. Back in 2008 I went into an unauthorised overdraft on my account with Nationwide which went on for a long time amounting in bank charges of just over £400. In August 2008 I paid off the debt with cash over the counter. I was issued with a receipt which I…
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Default question
I have a default on my credit record with Lowell relating to Barclaycard. While checking my paperwork Barclaycard just before they sold the debt started using a new account number. So the Lowell default has an account number I never actually 'owned'. Does a default always have the correct account number? As an aside…
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Late markers
Well, With luckily no defaults on my file I'm back in my accounts and paying off my debts. However I come to the bare bones of my credit file. I have 36 ( late markers) what people would class as 1,2 & 3. 17 are from 2006 and 2008 when I lost my folks and are from the period I just call surviving. I know I've been very…
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balance transfer question?
Hi I'm new on here, so apologies if this has already been posted or if there is a thread somewhere already. We have a large amount of debt (26k) - mostly on credit cards and a little on overdraft. We have been moving it about to differing 0% cards. We have 2 barclaycards which we are able to get 6.9% for life of balance…
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Credit Rebuilding Help
Hi all, I was looking for some help if possible, because it seems almost impossible to get a definite answer online about the improvement of my credit score. Now I finally have a good job, I need to get it sorted pre-mortgage. I have had no missed payments over the last 2.5 years, and am within my credit limits on…
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Dont know what to do
I've got to a point where I've tried to pay off my debt for years now but it has just got more and more. I'm really fed up an i cant ever enjoy anything i buy ie a bar of chocolate. Don't know if yous can help me in anyway if not that is ok i just need to tell somebody what my situation is. Age - 24 Living with parents…
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has anyone heard of a default being removed?
I have a default on my credit report. It came about when I had a small break down & was off work for a couple of months. I was ill enough that my dad came & whisked me back to stay with him. My Littlewoods account was my only manual bill, all the others being direct debits, & therefore did not get paid. My not being at the…
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Credit report questions
Does settled on a credit report mean the account is closed? there is a few items on my report off a few years back which are paid up to date but i cant remember if i closed them - they show settled in green and date updated as june 06, does this mean there closed?
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Think my head and my heart are now working together...
And I'm finally, deep inside my soul, a real DFW :) We've been paying off our debt and making really good progress after my LBM in July 2010 but I've never kidded myself that it was easy and that I truly, truly believed that we'd changed. That's not to say that we're doing anything wrong - we're not and plan to be debt…
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not being alone in all this
Hi, I guess I am not so much asking for help, more not wanting to feel alone in all this :) My debts may not sound huge at around £5K but with my income at an all time low paying them is leaving me struggling. I have had days where dinner has been pasta. Completely plain pasta. But at least it was dinner eh? :rotfl: I know…
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F&Fs, CCjs and stopping DMPs
sorry had no idea how to head this thread. Ive just inherited some money which firstly i want to use to pay off my OHs debts (OH has been in a DMP for a few years with payplan) so we can clear up his credit file and then apply for a mortgage. Im highly unlikely to get a mortgage not only as im 2 yrs out of bankruptcy but…
