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advice/support please -finally facing up to it/ how to convince husband?
My husband and I are in debt by approx £28K :eek: we seem to have always been in debt and it feels like there is no end in sight, it feels like running up the down escalator. Im not sleeping, im being treated by my doctor for depression (have been for 2 yrs now), all I can think of is the debt. I cant go on like this. I…
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Santander - Where from here?
I am wondering whether anyone else has experienced anything remotely comparable to my experience with Santander, and might be able to suggest how to proceed. In early 2010, my income was drastically cut due to a ban on overtime earnings at work. This almost immediately threw me into serious financial difficulties, but I…
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can i have a months break re cc payment?
I am moving into a cheaper house share at the begining of June (great in the long run!) however as I need to pay a deposit and rent up front at the begining, it is leaving me with not enough to pay the minimum payments on my credit cards. Can I phone the banks to ask them for a 'months break' i suppose? Will I still be…
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2nd lightbulb moment?
Ok so I joined in January this year. I have been on a mission and we have paid off alot of our debt already, we'll be near enough debt free by Christmas. I have sorted out finances to insure that all bills and debt is being paid on time each month (first time ever!), so that's going really well. :beer: Now onto my 2nd LB…
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default removal
Hi all, I have received a copy of my credit file andgiven it to my mortgage broker and because there is a recent default on there,the lender he has gone to won’t accept me. However the default has a last update date of Novemberlast year and I know for a fact that the default must have occurred well over 2years ago maybe 3…
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lowell portfolio
hi all, i had my credit report through from experian the other day and i noticed alot of searches on there from a company called Lowell Portfolio. The searcheswere all done on my old address at my mothers address. Then out of the blue I received a letter yesterday at my new address fromthese Lowell people regarding a debt…
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Thursday 10th May - What small DFW things will you do today??!
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. :j But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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5 credit cards maxed... Should I default on some or all?
Hi. Wondering if someone can help... I have posted another thread in here re: my debt situation, but wondered if I've come up with an interesting strategy to deal with it... Any thoughts/advice welcome... I currently have 5 credit cards, most of which are maxed out, but one with £200 left on it. All of the cards are…
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Arrow Global - Debt sold on, default on file - advice please
Hi first time post. I have a very poor credit file that i'm taking steps to repair. I had a debt for qvc started 05/2004, i don't recall if the company had issued a default notice (if they did I expect it would be approx within 6 months of this date) My credit file shows a company named Arrow Global which I expect has…
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Mackenzie Hall
Can someone help please. Couple of weeks ago I received a letter from MH chasing for an old debt, I sent them a letter offering payment of £25 a month. they have sent me another letter (standard one by the look of it) with a income and expenditure form, do I have to complete the I&E form or should I just start paying them…
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Equifax & errors on credit report
Hi all, I hope this is the right place to post (if not, I'd appreciate a nod in the right direction) To just give a bit of background - I discovered in January (after being refused credit) that I had a CCJ on my credit file. Subsequent investigations led me to Severn Trent. Turns out they had been billing me to my old…
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Stop paying pension to pay overdraft?
Hello everyone! I'm new here so sorry if I've put this in the wrong place. Just looking for a bit of advice. I am 23, have been working as a teacher since September and currently have almost £3k debt on overdrafts that I ran up during my time at uni (unavoidably thanks to student finance but that's another matter!). At the…
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problems with equita and council tax!
i was directed here from "screw the bailiff" and have read through a couple of other threads about equita here and was hoping you could help me out? i didnt pay my council tax for a long time due to being poor and eventually the debt went to equita. i ended up getting a very slightly higher paid job, which meant i could…
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Marshall Hoares - Can they say this
Hi I'm having a major issue with Toothfairy/Speed Credit/NDR/Marshall etc. Anyway I sent a standard recorded letter asking them to contact me via letter only as there phone calls are harrassment I then got the following reply. Dear xxx Thank you for your recent letter. MHB is fully compliant with all guidelines provided by…
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Bank overdraft with charges
Posting on behalf of a colleague who knows I post here - she asked me to. They have a 600 pound overdraft with Clydesdale bank. And 700 of charges on this overdraft. so total of 1300. I suspect they have just buried their head in the sand until now. They have not used this account for a good few months, she gets her wages…
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LBM - What caused yours?
I'm being nosy really, I actually had mine (of sorts!) once I was debt free. I knew I owed the money and eventually set about dealing with it, it was only at the end I realised that I had paid back approx £30k :eek: I read this forum regularly to keep me on the straight and narrow and am always amazed at the bravery of…
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Loan letter
Hi I have been on here re my sister in law helping her try to sort out her debt, she has a loan of £15000 and overdrafts of £3000 with Lloyds Tsb she owes £1400 to Argos and a small amount of £148 to a catalogue, she has just set up a DMP with CCCS and it seems to be sorting it self out, Argos have not replied to us yet,…
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Some clarification on defaults
I know that a default stays on your file for 6 years, but I have been told conflicting things about when the 6 years starts/ends. If I have a debt that I have defaulted on, what happens 6 years after the initial default if there is still an amount outstanding? I have been told that it falls off your file regardless as it…
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Probably very naive of me to ask, but.. where does health come in to it?
Hi there, I've had a real rough ride with money since I turned 18. I had severe mental health problems up until 2010, and so took it upon myself to wade through the mountains of debt I had run up, most of which I can't even remember. I've FINALLY just finished paying it off :j with my benefits; I am on incapacity and DLA,…
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Link financial mbna credit card debt help
Hi I'm new to this and new to facing up to money issues! After not being able to maintain credit card payments the £9000 debt was sold to link financial I have only ever received one letter I offered £200 a month ( I not sure if I can afford this ) they said they needed it in full and to look for loans to settle the debt !…
