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help! need some advice
When i was younger i got into a big mess with debt, anything from credit cards, loans, overdrafts you name it! I stopped paying all creditors a few years ago..... I know it wasnt the grown up thing to do! (i was 19 when i made this decision) Now a few years down the line i have looked at my credit report to try and see…
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Credit File - Unknown Lenders
Hi all I have an issue with one of the credit agencies regarding five accounts registered against my name where the lenders details are "unknown". Upon contacting the credit agency this refers to, they were so unhelpful and as I did not hold an account with them failed to provide any source of information to me. One of the…
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phillips baliff threat please help
i stupidly ended up with a magistrates fine of £3500 (long story) and have been paying £150 per month and 2 months ago it was down to £2100, then i lost my job, and as a result missed 2 payments, i now am working 2 days per week part time as its all i could find. 10 days ago i recieved a letter from Phillips debt recovery…
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About to start Full and FInal Settlements, can anyone offer advice?
I have been on Debt management with Harrington brookes for 10 years now, and my Dad has offered to try and help me get final settlements. I asked HB and they will take 40% of the settlement figure to do it for me so I want to try myself, takign one debt at a time off my plan. The debts I have are (amounts given today by…
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Cccs
Has anyone had dealings with Cccs? I ask as beginning of this year hubby was laid off and we got a bit behind on some of our bills. Hobby by did not get any benefits because of what we were getting in tax credits. He did get a further job however this is monthly paid and I've been budgeting carefully paying only the…
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Credit File Questions
Hi everyone I do not have any major issues with debt at the moment but did when I was younger and have worked hard to clear it all. However I obtained a copy of my credit file today and just have a couple of questions. I had a CCJ issued against me in Dec 2006, I paid this in full in 2008, but it is still on my file so…
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Mail Redirection
Hi, does anybody have any experience or advice re mail redirection please? I moved nearly two years ago and have been having my mail forwarded from my old address - my creditors have all been writing to me via this method (obviously unbeknown to them) and it has been fine. However, I note that the post office will only…
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a bit of info required please
hi i have just had 20 pounds debited from my account, (Yorkshire building society savings account) but the trouble is i don,t know who or what for all that the bank can give me is what it says on the statement witch is : LP1 COLLECTI-00 , now have tried googling it but comes up with lp records ,so hoping some body can shed…
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a bit of info required please
hi i have just had 20 pounds debited from my account, (Yorkshire building society savings acount) but the trouble is i don,t know who or what for all that the bank can give me is what it says on the statement wich is : LP1 COLLECTI-00 , now have tryed googling it but comes up with lp records ,so hoping some body can shed…
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My SOA
Hi everyone, so here is my SOA.... be kind ;) A few points: My car is broken at the moment, it has no tax or no MOT (Sorn) and I dont have the money to get it back on the road. I would spend £50 a month on petrol. I also get bank & Credit card charges so this again swallows into the final monthly outgoings. All my credit…
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Effect of final settlement on credit file
Hi there, I've just come to the end of the first year of a DMP with the CCCS (FYI - I could not recommend them more highly). I started out owing just under £15k and over the past year I've managed to get it down to nearer £12. There is a potential I may be able to settle another £2500 with a full and final settlement to…
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Robinson Way Limited not being helpful
My bank has forwarded my overdraft debt to Robinson Way Ltd. I am not desputing the debt and wish to pay, however I am housebound and bank giro's are not an option. ;)The simplest way for me to pay is by Standing Order, RW, have said this method of payment is not generally excepted, If anyone has RW bank details I could…
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Barclays/Bms ltd debt
Hi all this is my first post so please bear with me. A number of years ago (approx 2004) I had a business loan with barclays, business didn't take off and ended up with £6k debt, paid some but then it was referred to BMS LTD, offered to pay £5 month which was agreed, have paid this every moth since, been out of the country…
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"Recession Proof Your Finances"
'Advice' received from MSE Weekly Email, No.3 - "Urgently cut debt costs" BUT THOSE WHO DO NEED THE CHEAP LOANS, BALANCE TRANSDER DEALS, ETC MOST NEED NOT APPLY!!!! It is starting to really annoy me that MSE don't highlight that all the offers they publicise on their regular email are only really open to those people with…
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DMP of IVA?
Morning Forumers I posted in another thread, but rather than hijack theirs with my questions, I thought I'd start my own. Basically, I've accumulated £10,000 of unsecured debt (credit cards, overdraft, payday loans). I finally accepted I had a problem, when I was skipping two meals a day because I had no money for food at…
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Wednesday 2nd 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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Rundles Bailiffs... coming tomorrow....
I got home this evening to find a letter through the door from the debt collectors, saying the are coming back within 2 days with the police if necessary, to remove my goods for the debt owed. I was paying the debt off to them every month for over a year but have had a lot on my mind and completely forgot I hadn't been…
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If you acknowledge debt within 6years but dont make payment, what'll show on Experian
I know that if you get a default on your credit record, but don't make any payment towards it for 6years then the debt automatically will no longer shows on your file after 6years from the date the default was registered on. I also know that if you contact the bank or debt collection agency within those 6years,…
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About to start a DMP with Payplan
Hi All I recently found myself in a position where I was living off my overdraft and was in overdraft even after payday. It was depressing, not only that but each month, my overdraft was increasing significantly as everything got paid off it. Inspired by those who have shared their experiences on here, I have decided to…
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Please help! I'm not sure where to start...
We both work fulltime, have a mortgage, two kids, childcare, bills, debts & not enough money. I really feel quite overwhelmed and I don't know where to start. We are right on the edge this month... Its our own fault, its our blind spending and me thinking we will worry about it another day. Well today is that day! We have…
