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Unjust Bad Credit Rating. Can I get help in my situation?
I am hoping you may be able to help me. I am currently in a predicament regarding what i believe is an unfair situation. In 2003, I became a student at the University of Leeds. As a result, I opened a student bank account with HSBC. I had after University moved back to London where I was from and opened a current account…
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What are your plans for once you are debt free?
My debt free is closer than alot of you...yet much further away than some! Many different set ups and situations on this board. What are your plans for once you are debt free? How excited are you? My debts *with a miricle or two* can be gone by the end of this year...realisticly by summer 2013. Then i plan to get on…
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Statute barred/Default help!
I am in the process of going threw a DRO, But as i delve into my credit file etc i keep finding other debts to add! Im aware its now becoming very close to the 15000 limit. Looking at my file some accounts were opened in 2005/2006 I know i havent paid money bk to them in at least 5 years but without ringing the actual…
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Debt problem advice.
Hi, I'm new here and posting more out of desperation than anything else, any advice at all from anyone that has been in a similar situation or anyone with knowledge would be greatly appreciated.! I'm struggling with debt having ignored it in the past to be given more and more and I have been very naive in building up a…
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Any advice welcome...
Hello All, I've posted on another thread but I think I must be in the wrong place there. I've recently started getting my life in order and now I need to put my finances in order. I have buried my head for about ten years now and now I desperately want to come up with a good budget and stick to it - can anyone help me…
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Settlement or clear and close
Hi there, I have 8 accounts in which have been passed from companies to dcas. These date back to 2002, I have been paying the dcas a min amount each month for years and am now lucky enough to be able to pay them off in full. They are all offering me a discount to pay them off but I am not sure how and where that leaves me.…
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Experian credit report tells me absolutely nothing?
Hi all, I recently plucked up the courage to apply for my experian credit report (paid £2 after initially signing up for the "free trial" and getting no log in details from them, but that's another story...) and quite frankly I am baffled. It shows me my last 2 addresses, the credit searches that have been done on me, and…
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Looking to repair my credit file
I score a pathetic 422 on my credit file. I have 8 defaults on their. I am now looking at re-building my credit file. Does anyone have any good tips? I have applied for a secured card from capitalone. This is the first step. I have about 15 Wonga showing up on my credit file. Is there any way I can get these removed?…
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Small Claims Court case - Requesting case dismissal
Last year, the claimant made a claim for money lost in buying flight tickets, tickets which I had cancelled without his permission and I admitted in court that I owed this amount which was well within £1000 but court case was adjourned because claimant didn't have sufficient evidence of how much I owe. Now some days later,…
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The repossesion process
Hi, Can someone help me with how long the repossesion process takes. Im currently waiting for a letter before action from Northern Rock and after speaking to the citizens advice and the local council they have advised to no longer pay the mortgage as it wouldnt make much difference to the negative equity in the property. I…
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cca request
Hi all. hopefully somebody can help me out here. I received a letter from morgan solicitors saying that i owed money on an opus credit card, never having such card i asked on the 9th April for a copy of the cca, they responded on the 12th April saying that they have requested the original documents from the vendor & it…
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Advice please re Sending Barclaycard a full and final offer
i am still having problems with Barclaycard who i owe just over £1900 it will take me forever paying it off with on a reduced payment as Barclaycard will not budge at even reducing interest 12-9%. i have been on reduced payments nearly 4 yrs and so far has NOT passed onto a Debt collector. My father has offered to give me…
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TSB letters
I have DMP with CCCS since November 2011 This month, I have received 4 letters from TSB in the space of 6 days, saying they may be forced to take legal action if they do not receive a payment within 14 days surely this is bordering on harassment? Part of the lending code states they should be sympathetic. they are anything…
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About to be struggling really badly
Hello all. I've been reading some of your lovely posts to others and hope that you can all help me out as well. I am about to leave my job and I'm not sure what's coming next. I can't say much more other that I have been forced to leave, and as such will get a limited payout, mounting to little more than 2 months pay. As a…
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Going from self managed to DMP with CCCS
Good afternoon all :) Me, yet again! I am in the process of setting up my own debt management plan, and I have managed to set up standing orders to some of my creditors. However some of them are becoming difficult to deal with and unwilling to accept a payment plan. I have requested CCCS and done their debt remedy…
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loan or credit card??
Hi, i have recently took redundancy and i'm now on stat maternity pay, I have a credit card that was interest free with Barclay card but its coming to an end, im not sure if i should get a loan to clear it or try and shift to a new card, its got around 9k on it as we used it for our extension/kitchen. not sure if a new…
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When to apply for cheaper credit cards, now or wait?
A lot of our debt is on credit cards, very expensive ones at that in some cases. We'd like to try and shift some of the priciest CC debt onto cheaper cards, but our credit rating is currently just 'fair' according to the site we checked, because of the sheer amount of debt we have. We have never defaulted and have probably…
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DMP Advice needed please.
Hello, My fiance has got himself in to a right mess with debt. His current outstanding debt is: Lloyds - £3400 Welcome - £3800 Various Payday Loans - £3800 Outstanding Council Tax - £1350 Old British Gas bill - £600 He pays £420 per month for these. In addition, he pays £240 to a friend who took out a loan on his behalf,…
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Best route to avoid debt crisis
Hi all, I am asking this in behalf of friends (honestly!) who are overwhelmed by things and need advice for first steps to sort out their problems. Specifics are: - married couple, 58 & 56 - joint homeowners with reasonable equity in their home (they paid top ups to their mortgage in the good years) - husband is a self…
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Capital One chasing after ten years!!
In 2009 Capital One tried chasing my husband for a debt that he didn't even remember from 2002. He asked, using a standard legal letter he got from here, for a copy of the original agreement (from Citi Financial) and, despite several letters from them saying they were still 'trying to trace it' it has never been sent to…
