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Aktiv Kapital issued County Court Claim
I Hope someone can give me some help on this as I feel time is running out. About 15 years ago we took out a loan with a compamy called AVCO Trust and was unable to keep up the payments at some time we received a letter from CitiFinancial saying they had taken over AVCO and now our debt was owed to them. Over many years we…
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Debt help
Hi everyone, I have a couple of credit cards with Halifax and Virgin. Both have about £3500 left on each. I pay over the minimum payments to try and reduce the debt, but all of it is going straight on the interest. On Halifax the minimum payment is around £49, I pay between £70-80 a month and Virgin (which is the killer!)…
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What exactly can employers see on credit check
Hi guys just a quick question- not entirely sure this is in the right section! i have just been offered a job subject to a credit check at an insurance company. i dont have any ccjs or ivas, but i do have a few late payments for late last year and earlier on this year. does anyone know what exactly the employer can see on…
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Fradualt "Financial Associations" on my Credit Report
I have just checked my credit report, and my score is 917 / 999. Pretty good I guess, and no negative marks (or unpaid debts) against me. One thing that I am slightly concerned about though is “Financial Associations”, there are 2 names down there of people that don’t exist (same surnames) and one of them is linked to a…
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How fast to pay back?
Anyone got any tips or advice on how fast to pay back debts? Is it best to pay absolutely every penny one has on the debts to repay as fast as possible? The risk here is that there is no spare cash, life is tight and there is no buffer for emergencies. I have been stung by overpaying before and that set me back. Or is it…
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In need of some debt advice please?!
Current Debts!! Fredrickson International Limited (on behalf of Vodafone) £152.75 - accepting £5 a month Horwich and Farley Solicitors (on behalf of Avon) £81.62 - accepting £2 a month PDP (on behalf of Ann Summers) £69.01 - hounding me!! C.A.R.S (on behalf of Three) £91 - one letter received on 14.02.12, heard nothing…
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Almost at end of DMP.
Hello there, I am almost at the end of my 5.5 year DMP. I had a total of over £50,000 to pay off, I now have £3,500 left to pay. I assume that when this last part is paid off, then that is it. I'm clear. But my wife has heard a rumour that the CC companies and banks will then try to recover the interest they suspended…
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Black Horse collection activity fee!!!!!!
Basicially, we asked black horse for a lower monthly installment due to a change in circumstance and they agreed to lower it by 50%. The agreement has now come to an end, we rang black horse and they have been charging us £30 a month for a "collection activity fee" alongside the payment that we agreed. They have referred…
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Cabot Financial.
Morning All,:) I recently received communications from the above company stating that they had purchased old debts associated with my name. As instructed i sent them the "prove it " letter and 14day follow-up and have had letters stating that i must pay otherwise it will affect my credit rating, these letters i ignored.…
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Shop Direct/Lowell
My husband had a Very account which has run up a debt of over £5000. We had a letter/statement NDR a month ago stating we owed £5078.23. My husband was made redundant at the end of Feb and I'm currently off sick so I wrote to them offering a token payment but at the weekend we received a letter from Shop Direct saying that…
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Texts from Fredrickson International - Help!
I have just received a text message “This is an urgent message. Please contact Fredrickson International on 02031478164 quoting ref num xxxxxxxxx. Thank you.” A little research shows it is a debt collection agency. However, I am an active and proud MSE with no unpaid / ignored debt that I am aware of. Should I ignore it,…
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Tuesday 20th March - What small 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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Mortgage Reduction Strategy - Advice and Opinions Please
Hi, I’d really welcome advice from members of the site in relation to my mortgage and the strategy set out below. My wife and I have a joint mortgage with Nationwide totalling c£90k. It’s made up of several elements as we have taken additional borrowing over the years. It’s currently made up as follows: • Mortgage Part 1.…
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shop direct group
Hi there, going by this payment a day challenge that's going on, i think it would be easier to send a payment thorough bank transfer to each of my catalogues. Does anyone know, as Littlewoods, Choice and Very are all the same group, would i send these payments to the same sort code and account number with my catalogue…
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Does a DCA have to produce a default notice on request?
Question is in the title.
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Dmp /ssp
Finally made the big step and got myself set up on a DMP with C.A.P - all offers accepted, first payment made last month, happy days, finally getting sorted......... then..................I get taken into hosiptal with suspected meningitus :-( First day back at work today after 2 weeks off and I find out I am only getting…
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gambling addiction
hi all, im new to this site anyways ive got myself in alot of debt due to my ongoing gambling addiction. i just admitted my problem to my family who were very helpful. i had payday loans out with 6 different companies ive paid most of them off with the help from family im now due them the money back and im going to be…
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not sure where to post this
but my son is wanting to sell his Nintendo Wii as he doesnt play it anymore. How much is acceptable to sell this for second hand> it includes A wii, a wii fit board, Wii fit game, Mario kart, Indiana jones game, Steering whee, l 2 controllers, 2 nun chucks and 2 covers, and 3 more games. Its only been played twice but i…
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Stuck in my overdraft :(
Hi, I'm really struggling at the moment to keep out my overdraft, is there anything I could be doing to keep out of it? I live with my partner and the £100 a week is his contribution. We only share essential bills, the loan repayment, childcare and mobile phone are my responsibility. He does pay for the shopping most…
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Just debt-free: cheque book current account?
Are there any banks - other than CoOp, FirstDirect or Nationwide - which give a bank account WITH a cheque book when you're still in the "six year" period between repaying debts and these 'Settled' and 'Satisfactory' accounts falling off your credit history? (in 1 and 4 years time). I've successfully kept my Basic Account…
