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Wonga - nightmare
Anyone had any luck removing Wonga from credit file? I am pretty ok for money since promotion at work but Wonga was always helpful if I needed some extra cash. I didnt expect though for 15 Wonga loans to show up on my credit file. Any tactics I can use? I will be debt free within the next 6 months and I am working hard to…
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In debt from living abroad
Evening all, Long story, will cut to the bones of it, Have just received a letter from a debt recovery agency based in New Zealand that is trying to claim just over 2 thousand NZ dollars from me. I think its something to do with an outstanding payment from a car lease i had when i lived/worked in New Zealand last year.…
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no cca what now?
I recently wrote about Natwest not having my cca,they wrote to say they couldnt enforce the debt,so what happens now? I have just continued to pay the token £1 i was paying previously should i just carry on with that.They said they would continue to issue default notices though? What position does this put me in? I also…
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Got default removed
Hi guys, hope someone can help! I had a few issues with a car loan and they put a default on my credit file. I contacted equifax and they investigated the issue and agreed it should be removed. This is the response I got... 'having reviewed the history of the account & having noted the arrangement that was in place I am…
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should i just ring and ask
Hi all, i recently made a full and final settlement offer to my creditors which was rejected.One responded that they would not accept a full and final except in extreme circumstances.They requested an income and expenditure.My circumstances have changed(now rent instead of own) but i am really no better off. I also am not…
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newbie needing support
hi everyone, im new to the forums on this site i have done a budget before and tried to stick to it but really struggled i have a £600 pound overdraft i owe several companies money it totals about £1000 and i also pay my parents 50 pound a month for a loan they got to pay off my last overdraft. i work part time and i am a…
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Noddle........
Hi all :j After reading a few posts on here mentioning this site i thought i would google search....... So whats the catch? Has anyone used them? (They seem to be widely mentioned on here) Seems too good to be true when experian you have to pay for......
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Please HELP!
I recently got a letter from Lewis debt recovery on behalf of CL Finance asking for me to pay some un-paid debts. I called the company and explained that I have no exsisting debts so asked who this was for. They said it was for Shopacheck, a company I had used in the past but had no exsisitng debts with. I also no the…
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Newbie
Hi We are currently paying down debts each month so far after 8 months we have paid off roughly £6,300 .whilst this is a huge amount I stil feel we could budget better.i keep reading about DMPs and wondered if we would benefit although at the current rate we hope to be debt free by Dec 2013. We have £27500 still to pay.a…
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Credit issues going back to 2006-7
Hi over the course of the next month or so I will be applying for a mortgage and back in 2006 I lost my job and struggled with the repayments on a loan I had with Halifax and a store card I had with American Golf. All these are now paid off and settled. My Experian rating is 943. Experian have the Halifax account as being…
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Alternative dispute resolution
Hi there, A claimant is claiming a sum of money against me which I've always agreed that I am partly liable for however he is also including court costs in his claim. Now the thing is the claimant didn't resort to any ADRs before making the claim, i.e. no letter before court action/mediation. Had he have made an effort to…
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Notice of correction advice
Hello, I phoned up to cancel my credit report yesterday (before I get over my 30 day free membership quota) and the lady mentioned that because the default on my file was satisfied I would be able to make a statement of correction which may boost my credit rating. I understand what this aims to do, but is it worth doing?…
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KPR booboo, loan settlement for £0 mistake
I have a £25000 loan that KPR (debt collection agency) is trying to settle with me. They offered to settle the debt for £6200 but on receiving the paperwork they have made an error stating that I must pay £0 to settle the debt and for my account to be closed. My question is this. Do they have to honour the agreement at £0…
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The advantages of home brewing when you fancy a cheap tipple
OK, I have been asked several times about my home brewing on here as a way to have a cheeky drink without it costing too much. I will outline some of the costs below and show just how cheaply you CAN have a drink, especially with the proposed minimum cost per unit being brought in by the government. What's best, home…
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Always skint and want to get married!!
Hi, newbie hear but long time lurker!! Myself and my partner want to get married next year and have our first ever holiday together :) but can't seem to get saving. We are both a bit rubbish with money so just looking for motivation really. Love this site, thanks folks :beer:Statement of Affairs and Personal Balance Sheet…
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I'm 18 and my credit rating is rubbish, i need help!
Hello My names callum, its really just to get some advice on my situation, when i was younger i was a little s**t and decided that i would change my passport date of birth to a different date of birth which would make me old enough to get a payday loan, i recieved a few as no credit checks was been made, it was that type…
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Full and Final Settlment figure
Hi. I have a dilemma. I am on a DMP with Payplan which is going nicely,but i recieved a letter from one of my creditors-Aktiv Kapital this week if i wanted to pay £2600 of the outstanding £5200 balance and they would write off the rest. I rung them and advised them i couldn't afford that just at the moment,but maybe able…
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My SOA--hope i've done this correctly :)
After my post last night someone recommended i do an SOA so here it is:D EDITED out of date now :)
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Changing DMP - has anyone done this?
Hello everyone, :hello::hello: Ive been lurking on this for a while and firstly just want to say you have all helped a lot in making me feel im not the only one with debt worries and you've all shown me there is light at the end of that, very long and dark, tunnel! So...... Im not going to bore you with my full life story…
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CCJ???? Please Help!!
Hello, In january i tried to renew my car insurance and was told i couldnt pay monthly as i had a CCJ? Asfar as i knew i didnt ive had no latters and as far as i knew i didnt owe any money to anyone! I payed my insurance in full assuming there was a error of some sort on there part? However today i tried to take out a new…
