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Oh my god! NEARLY THERE!
Well yesterday after 13 months of saving money and working a second job I have managed to pay off £3600 from my credit card :beer: It means that I now only have 10 payments left on my loan and I will be complete debt free- I have decided to keep my second job a little longer (4 more months) and use the credit card payment…
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Attachment of Earnings advice
I have just received a letter informing me that my employer has been sent an Attachment of Earnings order for council tax debts. I have been in employment for 6 months, and had an interview today for promotion. I've been informed that it's between me and one other candidate, so I'm not happy about the timing of this among…
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Creditcard mishap
Hi all, I hope someone can help me decide whether to bother ringing up the credit card people again and arguing the toss as it were. Either that or I just want to moan and perhaps give others a heads up! I've been trying to clear one of my credit cards for a while now, and the only outstanding balance on the card was…
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I've tried to pay a debt 4 times and no one wants it :-(
Hi all, A bit foolishly I forgot to pay a parking ticket and ended up with a letter from Marstons dated 23/2 telling me to pay within 7 days or else. It was posted 2nd class, I have the envelope with their franking mark on to prove this, which they dispute they say it was posted 1st but anyway. I got this letter 27/2 and…
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oh god I feel sick, Mackenzie Hall just emailed me at work
A long while ago I received correspondence from Mackenzie Hall relating to a debt, I called them from my mobile (witholding my number) and asked them what it was about. When they then told me what it was I told them I had no idea what they were talking about. Then contact stopped, until about two weeks ago I received a…
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Relationship breakdown financial obligation
Hi i went through a relationship break up 7 months ago, where i have a joint loan and mortgage with my ex. I am now having to sell my house as she cannot claim housing benefit whilst on the mortgage, or needs to be seen to be selling it. the problem is we are in negative equity and anything left owing will become more debt…
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Advice needed re offer to settle CC debt
A debt collection agency has offered to accept £880 in payment of a remaining £1700 debt (have been making regular monthly payments for 18 months to clear the debt so it started much higher and this is the first time they have made any such offer). Whilst I am happy to repay the debt in monthly installments, I can make a…
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So sick of this situation
I am really angry with myself (former self?) today! Car insurance is due and although I know I should have saved for it throughout the year but I don't have much spare cash. It just seems that everytime I feel like I'm finally getting somewhere there is something that needs paying/doing/fixing. Have only just got myself…
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Santander overdraft nightmare
I hope this makes sense, and anyone can advise... We have a joint account we no longer use, with Santander. The o/d is £2500, and we currently have the o/d at £2615.00 ish. Complete over sight on our part due to family problems, and Santander are charging £100 every month for us being over the agreed o/d limit. I wrote and…
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Is my husband liable to pay my old council tax debts?
Hi, I recently had correspondence from Equita Bailiffs regarding an old council bill owed from 2004. I have contacted the council and they have put a halt on the Bailiffs for two weeks from last Friday. I have made an appointment to do a financial statement with the One Stop Shop and I'm wondering if I should include my…
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Advise needed
Hi guys, I have been reading through this site for many weeks now to seek advise and found lots of helpful tips. I would like your advise on what to do.. so here goes.. I have been self employed for 2 years now (opened a retail shop) where I work full time, I have one more year left of the contract then I am free to do…
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DCA's passing on debts
Occasionally I will receive a letter from a DCA claiming I owe them money. One such was a letter I recently received from Mackenzie Hall acting on behalf of Lowell Group requesting payment for a debt I have no clue about. They do not say who the original creditor was. I was under the assumption that creditors and DCA's…
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Ooh, fee-charging company telling porkies about CCCS shocker!
I just had a phone call from the fee-charging company (couldn't quite catch the name, it was something like Baynes and someone, 0161 number) trying to 'sell' me a DMP. I told the caller I wasn't interested as I was with CCCS and he said 'Oh, CCCS, they seem good because they are free but what they don't tell is that the…
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Old CCJ's
Hi, I am new to all this and desperately need some advice, I have been paying a CCJ for 15 years, my last SO was returned so I assumed it had been cleared, then I had a statement saying there is still an outstanding of £6.000. I have rang the bank, but no-one will speak to me as they don't have enough information to…
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Repayment period - what is excessive?
I'm a year into my DMP and whilst some of my creditors have ceased interest, others have only reduced. Does anyone have any first hand experience as to what is classified as excessive. Para 225 of the Lending Code http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf states: It is inappropriate for interest and…
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Littlewoods Catalogue; is it unenforceable??
I took out a Littlewoods Catalogue a long time ago now; BEFORE 2000. I am just about to send them a Section 78 request for my credit agreement as I don't ever recall signing for one. I signed an application form from someone in the street who was touting for their business!! If they can't find a signed agreement which is…
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ccs hmrc debt
hi all ccs collections are chasing me for £2700 from HMRC which i believe i do not owe its from an old tax return when i claimed for my car loan and depreciation of the car too which thay sadi i could not do anyhow i will have to pay it seems but is this different (i presume it is) to any other debts eg will i have to pay…
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Electoral roll added without change
Hi, Before the usual "it's just a number" and "their score means nothing" brigade pile in - I know. Ok, read on... I checked my Experian report prior to appearing on the electoral roll and kept checking once I'd registered. It took a while for it to appear and only then after I had made a few phone calls for them to match…
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So fed up with myself!
I've been in debt for years! Since I left uni in 2002, and I'm not even talking about student loan! Just before Christmas after finishing my degree, I went in to the bank to ask for a £50 extension on my overdraft - I left with a credit card and a loan... That was the start of my debt spiral, funded by HSBC, who every time…
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DCA turning up at parents house and breaking Data Protection law?
Hi guys, As per another thread i started I am STILL being hounded for a limited company debt by the jokers at Direct Collections Ltd in Northwich. Back story, theyre chasing me personally for a ltd company debt dating back to 2011. The registered address for the ltd company (and the only address Direct Collections have for…
