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Which option to take?
Hi everyone, I've been a reader on this site for a while. But I feel I need to ask to get anywhere with my confusion! At the age of 18 I took a loan, then a credit card then another loan ..... You get the story! I have little under £12thousand of debt with 5 creditors. I have not paid anything for the past 3 years, bad…
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credit report error
hi, i hope someone has some advice for me as im about to loose it! re-mortgaged in july, no problems and credit report fine. put our house up for sale after finding our dream home, we were told we could just port the mortgage when we were sorted. we got an offer on our house put an offerin on the dream house all within 2…
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MBNA refusing to confirm final settlement in writing
Hi all, I have been dealing with MBNA recently regarding the partial settlement of an outstanding debt. There is a potential that they may accept a final settlement of around 40% and have given me assurances that once the settlement payment has been made they will settle the account and not pursue the remainer of the…
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Run out of money for token payments...
Hi, any suggestions please, dear fellow forum-ites? Have had one of those mornings, just heard that our rent is being increased by nearly £40 per month. We have already had our HB decreased this month by nearly £25 so this is a double blow. Currently, we have been paying a number of creditors token payments of around £20…
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Debt - that isn't owed!
Hope this is the right place! and sorry in advance if too long. My husband used to run a home delivery service - by this I mean he went out daily in his van and delivered fruit, veg, milk, bread, etc general household things, He'd been doing this for 12 years. We live in a very rural part of the country, and as diesel got…
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Council tax arrears
I have council tax arrears from a few years ago that I was paying off at a set amount to sheriff officers while I was employed. I was then made redundant so the sheriff officers were taking so much per week out of my IS. Since then I have recently gotten married and as such my entitlement to benefits stopped as my husband…
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Westons Solicitors Chasing
Hi I have gotten myself into a right old sorry state with a HSBC account - which had an overdraft of £500 and as soon as it went over the overdraft slightly they did not hesitate to send in debt collectors. Due to my sheer stupidity it has now gone to Westons. This morning I had a letter from them which said call them up…
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ARGOS- can someone please help
Hi, i'm doing own dmp but having propblems with argos taking their time in lowering interest (although not significantly) and taking 3 months to stop charging late payments after requesting payment date be changed which they still have not done. Also they have not replied to my previous letters. I want to write a letter of…
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Need Advice with budget please
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,289.17 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Any dealings with Blair, Oliver & Scott?
Hey Guys Just a quickie to see what issues/thoughts people have about Blair, Oliver and Scott. I have a loan with Halifax, that was under a self-managed DMP for last 10 months, called up today to make my monthly payment, and they advised that they have sold the debt on to the above B,O & S. Spoke to one of their reps today…
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Debt Advice
Hi End of 2007 I seperated from husband and unfortunately most of credit agreements, credit cards, club books etc were in my name as he was self employed and I always took the finance! Due to our seperation obviously I found myself as a single mother and left with debts I could no longer afford to pay! I took out a IVA in…
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Santander wont put me on payment plan..
Hey all First post on the forum but all advice read over the years has got me on the track to paying my debts 1by1. OK here goes..... I am currently on payment arrangements with all 5 of my credit cards. All 5 have frozen interest, and are accepting reduced payment until the dept is cleared. I am self employed, work is…
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Whay haven't they got a CCJ?
I recently had two defaults (1.5k barclaycard & £6000 pdl) which dropped off my credit file as they bacme SB? I was sat with my mother yesterday and she asked why in the final year before they became SB didn't the creditors apply for CCJ's? I couldn't answer her so wondering if anyone else could help? Is it to do with the…
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Partial Settlement rejected
Hello, I have an outstanding blance with a payday loan company called Peachy.co.uk. The original loan was for £100 paying back £110 after 7 days which I didn't (December 2011). I've being plagued by Mackenzie Hall with letters and phone calls for the current balance of £350. I sent them e-mail telling them to stop harassng…
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Credit File
Hi Apologies if this is not in the correct section. I wondered if anybody could possibly help. I have recently signed up and viewed my credit file after a number of years burying my head in the sand. Firstly I was surpised to see it initally came up with a 'Good' rating and a 906 'score'. However I have 12 defaulted…
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Thursday 3rd 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Council Tax Bill 12 Years old
HI all, Just after a bit of advice here really. My mum received a council tax bill last week that was from 2000 - 2001. She didn't know she owed the money and this is the first she has heard of it. Not only did she receive one but the have tagged my name on and sent me one too. Se has no proof of payments from as far back…
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Spent this afternoon hiding from debt collector at door...
I'm still shaking a bit! I know I owe maybe about £800 for 2 seperate debts. Both have been sold to lowell and I havent made a payment for either since 2008. I get a letter about once a month from Lowell. But last wednesday there was a man knocking on my door, I didn;t answer as I thought he was a canvasser, but then i…
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Speed Credit (Toothfairy)
Hi Everyone, REALLY LOOKING FOR HELP!!!!!! I took out a payday loan for £200. When the date came I did not have the funds, so I did the worst thing possible and ignored calls, texts & emails. A month and a half on I have decided to get in contact and set up repayment for it. To my shock they have added interest and charges…
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Cashing in pension to pay off debts
Hello, I have debts and no savings (yeah life's great). Not tonnes of the stuff but enough to make life a general misery. Now you'll have to bear with me as I know NOTHING about money so it needs to be explained slowly IN BIG LETTERS. I currently owe about £800 on a bank loan (this has taken years to get to this stage and…
