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MacKenzie Hall & Face2Face
Hi guys, Last October I received a letter from Mackenzie hall saying I owed money from a previous phone contract. I stupidly got into contact with them & asked for proof as I had paid off this debt a few years ago. Never received anything back, checked my credit reports & the debt is marked as satisfied. Today I have…
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Don't know what to do - HELP
I have been on maternity leave nd am due back to work in April but just as I go back my husband is being made redundant so we will be over £1K short each month but even if we were bothe in full time work we couldn't have afforded the childcare approx £700 per month. Anyway before we get in a mess I wanted to contact our…
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DCA Past Due Letters Help!
My husband is being chased by PastDue for a debt from British Gas from a house he lived in several years ago, for an outstanding electricity bill of £2594.74. After several letters he received an offer to pay £1297.37 'goodwill gesture'. He's sure that when he left the flat the bills were up to date and thinks the…
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how can i resolve debt without impacting my credit score? Or is it just impossible?
Hi, I have a fairly large £27K debt on credit cards and an overdraft. Most of these are now on high rates of interest as the 0% periods have run out. My dilemma is this - how can I start solving my debt problem, WITHOUT it impacting my credit file for the next 6 years (!!!), which would actually make my situation worse!!…
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Don't know where to start with budget!
Hi, I'm hoping for some advice about how to complete the Budget Planner. I thought I had all the right information to hand and filled it in, but it came out with a massive underspend when in reality I'm struggling every month to make ends meet. Obviously, I've done something wrong. A lot of the figures eg. cleaning…
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Threat of a defualt
Just signed up for a bit of advice. I recently received a letter from Santander Cards with whom I have a balance of £780 outstanding. Due to recent problems money has been very short and I missed a total of three payments from (and including December). This flagged up on my credit file and I knew I needed to get back on…
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Totally Fed up with been in debt out of debt in debt............
Hi, This is my first post so sorry if it is in the wrong place. I currently owe £1500.00 on my credit card which i am hoping it will be paid off by the end of June 2012. The Problem im finding is i order things off the internet and alot off itunes (Which i have spent a fortune on), i seem to have a care free attitude when…
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Public Credit Report
hi all, does anyone know exactly what employers see when they run a credit check. i work in financial services in london and have been interviewing recently. i was wondering what employers see as i have pretty bad credit record and need to know how much info i need to give them to explain the position. any employers/HR…
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Debt help ! Dro?? Statute barred??
Basically i need some help. After finally facing up to my debt which amounts to around 11,000. After getting all the debt letters i had together i had 16 different creditors, I have then checked my Experian credit file and now find myself at 27! Do companies use someone other than Experian? As only 14 of these accounts are…
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Parents
We have been offered the option of selling up and house sharing as a family. My parents have suggested to allow us to become mortagage free they could extend their home for us to share. If we do this and invest our money in their property is it safe with a Joint ownership if my parents have to go into care or would we…
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Help please! Now with shiny new SOA :)
Hi all Things have changed a bit since I posted my SOA and couldn't afford to even make £1 payments to my creditors. I've done lots of reducing the payments I'm making each month to make sure I do have a bit of spare cash left over. And, I've also decided to get rid of my car - I get paid a car allowance but was using the…
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What does this means (Question about DMP)
I've only just made my first payment on DMP so it's all new to me. I'm now starting to get statements from my creditors and there are a few things that are making me confused. So far I can see that one of my creditors has accepted the DMP as they are not charging interest and are not gonna charge next month but then there…
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Settlement request letters sent!
I have just posted my settlement request letters to my 4 debtors. If accepted, me and my husband will be almost debt free!!!! (1 final loan that my sister took out for us, which ends in 2014). I offered them 40% of what we owe, so i'm hoping that is a generous enough amount for them to say Yes thank you and Goodbye!!!! Now…
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Re-mortgage with DMP?
Good morning, I've had a good look around the forums but cant seem to find the answer to this one, maybe someone on here has been in a similar position and can offer some advice? I got into a few financial difficulties about 3 years ago and had no choice but to take out a DMP on my unsecured debts. Without going into…
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Mackenzie Hall- CCA
Advice needed! I received a letter from Mackenzie hall in February for a debt that I owe, but the amount is substantially different to what I previously owed. I sent them a CCA request on the 2nd of March. I received a reply dated the 13th on the 15th returning my £1 cheque and they say they have contacted their Client for…
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A quick question about tax credits and how they're paid
Are tax credits paid within your wages or as a separate cheque through the post (or into your bank account) please? Thanks x
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How quickly can you open a basic bank account?
Hi, I need an account number and sort code asap to have my salary paid in. What are my options? Do brances give out account/sort code details straight away?
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Blackhorse problems.
:(Hi all, This is my first ever post so I'm sorry its a bad one! I recently fell into some hard times (cliche!), and had to have my car from blackhorse repossessed, Blackhorse were of no help whatsoever i completley understand that the situation was my fault, but they are rude and ignorant, I offered to pay them a…
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Unpaid CCJ now wants a charging order
I have a CCJ to my local council for unpaid school dinners it quite hefty and I'm supposed to pay £20 a month. I've not paid it for 3 months and now I've received a letter saying they want to go for a charging order. I forgot to pay the CCJ so have no excuse really and when I realised, I didn't have the money to catch it…
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Monday 19th March What small DFW things will you do?
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…
