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Default Letter - Who Do I Write To?
Whilst going through a personal issue I fell behind on payments to Next Directory who sold the account to Moorcroft. I would like to try to get the default removed from my credit history but who do I write to? On my credit report its displayed as being from Next so should I try writing to them? Has anyone ever had any joy…
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Advice please ...
I've just signed up to Noddle to get a free credit report. There is a CCJ on there that I knew absolutely nothing about. It is for £266, dated 04/04/11 and under my old address. I left there in September 2009. There's also a default for Evans. Last time I logged in it told me the account was closed. I tried loads of times…
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help please with argos
Hi can anyone help me with argos PLEASE 1. Notified Argos in December that we are seeking help re; debt. They did not feeze interest 2. Jan they agreed to reduce interest but they did not do this until March 3. Charged late payment fee for feb 4. Not replying to my letters. 5. Reduced interest is not low enough as paying…
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Full and Final offers
I know that F&F questions are asked all the time and the answer is a bit of a 'how long is a bit of string' but, here goes: The wife and I have quite a bit of unsecured debt. It was £69k when we had our light bulb moment in November 2009 - we've now got it down to £62k. We have been given £2k and want to pay off some of…
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Advice: Health Insurance Bill - Not Advised
I'll post this in the consumer rights section too but here goes: After successive health-related problems my wife decided to get a £150 consultation with a highly respected consultant in the field. We stomached the cost of that but not easy. In that my wife was advised to have a particular blood screening (which was not…
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Help needed with Default Notice
Hi, doing own dmp. We were banking with hsbc with whom we had a loan. We opened new account with nationwide. Cancelled direct debit with old account to hsbc for loan. HSBC would not close our bank account. Jan 12 we wrote with all the figures and on 25th Jan I telephoned hsbc and they said they accept reduced figure. I Set…
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best way to get myself out of this hole
Hi i know the replies i will get and yes i am stupid, basically after bills,petrol for work and all that have about 100-£150 per month, had a poor cple of months and ended up stupidly getting payday loans, i have three due on my next payday on the 31st, £650 £300,£425. i have no chance of repaying these as my next pay…
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Debt advice needed ASAP - ex-student with forgotten debt
Good Evening All, I was hoping somebody could be of assitance and help me with the current circumstance i find myself in. Background: I graduated university in 2010 and during my time i decided to take advantage of the student overdraft offered to me by my RBS account. Needless to say, being a student i took full advantage…
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Struggling with living costs and debt
Hi there, I'm very new here and struggling with living costs and debt. Basically me and my partner are out of work and looking for jobs, we have a 2 year old daughter and another on the way. We currently claim joint jsa. In total our income including other child tax credit and child benefit is around £720 a month and our…
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spending has gotten out of hand
I was doing so well and have managed to pay for our holiday but i feel like things are spiralling out of control to the point where before i never had any debt, I am now paying £305 a month on debt. My point is this, Should i pay the majority off it with my overdraft Which will give me a £1 a day charge and then will be…
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Newbie looking to be debt free and more money-aware
Good Evening all, I'm a newbie here. I've got a relatively small debt of approximately £1500. I'm look to get this paid off in the next 6 months or so; especially since I'm about to move into a flat (rented) with my partner. I am employed 3 days a week by the council and for the rest of the time I'm self employed. The…
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Accessing funds within a small pension pot?
Got £15k in a small Aegon pension and haven't paid in for years. Getting hold of this £15k would go a long way to clearing my mortgage, any ideas about how I could go about getting hold of this perhaps via a SIPP?
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F&F Settlements - Emigrating
Hi, We are emigrating out to Canada at the end of May as the company I work for have offered me a position out there (was supposed to be happening 12 months ago but it got delayed). All visa's are sorted and the flights are booked. The debt situation is that I arranged my own DMP and have been paying it monthly for the…
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Hassled for someone else's debt
Dear all, I've read (skimmed...) the OFT guidance above and it's really helpful, but I really just need some quick and dirty advice (not too dirty!) about what to do. I'm being hassled by post by Westcot and now a couple of other companies all claiming I owe T-Mobile about £800. I've never had any dealings with T-Mobile,…
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wonga advice
hi all, my friend and neighbour has got herself in a bit of a pickle with wonga. due to her having no internet i have offered to post this for her. her problem is this, after months of having to extend loans from wonga and interest on interest she realised wot a nasty trap wonga is and decided to stop using them. they were…
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Starting over........
Looking for advice folks. I have recently seperated and moved back home with my mum. Good thing is the only outgoings I really have are for my loans, c/c however I also need to start saving for a new home wether it be rent or mortgage and save for furniture etc too but I cannot do this as I have too much debt thats needs…
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Help , debt is eating me up
Hi im looking for some advice, im being eaten up by debits to the point of having to buy food to feed my children on credit cards, a big world wind is lifting me up as i just go round in circles.. Im 34 live with my partner we both work full time an have 7 children between us.. Im self employed and my partner works 6 days…
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Bank Account help please.
Can anyone recommend a basic bank account, I am on a dmp, and I need to open a new bank account, have poor credit history, don't want to keep making applications and being turned down, if any one could suggest any good banks which would help I would be very grateful thankyou.:)
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JD Williams / Brilliant Gift Shop
I sent these guys my income and expenditure which CCCS drew up, it shows I can only pay £1 a month token payment at the moment as I am on JSA but still these $hits phone annoying me looking £21 a month, where do they expect me to get this money from? They say that they are going to keep applying charges of £24 a month…
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how much can i save? can i move?
hello, i am new so hope what im typing is okay etc. i am a single mum whose contract is ending in middle of june - i recieved a letter askign if i want to renew the contract and i dont want to but if i mvoe it's going to cost at least £1600 to move. if im massively cheap i can save £850 so have another £800 to find. what…
