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Finally admitting we have a debt problem
Hi all, Well after years of hiding the fact, having relationship problems and sleepless nights my Husband and I have finally admitted we have a debt problem. We both feel really embarrassed about this as we have really good, well paid jobs and we've still managed to get into £50k worth of debt on CC, store cards and…
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Bailiff clamped my car.
Task Enforcement ltd have sent a bailiff round our house for an unpaid Congestion Charge on 12th Oct 2011. If am guilty of the charge and i ignored the letter about bailiffs. He has turned up at my house today asking for £550 on the spot. I then said i couldn't pay the fine. He clamped my car and said i could pay half…
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Illness & 2 Credit Cards with an Overdraft.. Negotiations and Payments?
Due to some issues with work and illness, I've fallen behind on payments to my two credit cards.. probably the worst possible ones; Vanquis and Capital One. To make matters worse, my £500 overdraft with Smile is being reduced to £280.. Now, I've been worried sick - and tried to run away from it; foolishly. Well today I've…
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Getting Late Payment Strikes Removed From Credit File?
Basicly, i have 2 late payment strikes on my credit file. One if from littlewoods, the payment was about a week late, i have no paid the whole outstanding balance and have a zero balance the next is a orange contract i forgot i had, a month overdue according to equifax. i have now paid this up in full. How do i go about…
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Equita Again!
I am compleletly new to the site, but would like some advice regarding Equita's fees please. We received a letter from Equita saying we owed council tax of £197, we had overlooked a couple of payments. We called the council who confrmed that we had to pay Equita directly, which we did by sending a cheque for the full…
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Sticking it to DCA
Hello folks, following on from my previous post about legal action I've taken a short break from work and am attempting to redress the balance between myself and multiple debt collection firms. I've even taken on helping one or two friends out with theirs as I personally think that DCA are the scum of the earth. Main…
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Statute barred debts - so confused!!
Hi there I have read loads of questions and responses with regards to this and yet am still no clearer on what the situation is! I am being pretty thick here but can anyone give me some totally dumbed down advice re the following?? I knew I had debts outstanding from when I was younger and stupider but didn't know to whom…
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High interest credit cards
Hello Just wondered if anyone can help me I have 2 credit cards and my husband has 3. unfortunately I have previously been personally bankrupt and he has a bad credit rating so the cards we have are a high interest rate. we both have a vanquis card among others and are finding it impossible to transfer over to any other…
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Urgent help required! Please read! Wire Transfer lost Abroad!!
I need help with the following please! I know it looks long winded but please if can offer any help be so much appreciated. My parents had a property in America unfortunately my Dad suddenly died and my Mum has been through a lot let alone trying to deal with everything on this side. My mum deals with America and has used…
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Buchanan Clark & Wells - Advice Needed PLEASE!
Hi all, This may be a slightly long winded read, but if you bear with me, i'd greatly appreciate it. I'm 20 years old, so being faced with debt is really worrying me. I left home when I was 18 with my partner, and moved into a house share with complete strangers. Cutting a long story short, we knew one of the tenants had a…
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Lowell Portfolio adding a second default!
Hi, I am after some advice I defaulted on a current account overdraft with barclays in 2010, after disagreeing with them over charges etc, and got a default added to my credit file back then, which was understandable and accepted. Now it seems they have sold the debt two years later to Lowell Portfolio, who have recently…
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Cleaning out the closet/wardrobe
Long story short, back in 2008 I separated from my then wife and as a result of our separation agreement took on a lot of debt, a lot my own but also a significant amount of hers too. Now 4 years down the line, i managed to pay off almost all of it.. I'm now with a new partner and we are wanting to look for a house…
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feeling so down :o(
OK so I have done it, my paperwork is with CCCS and the letters have gone to the creditors, I keep freaking myself out reading old threads about people having nightmares with creditors, today I feel so depressed it is unreal. I thought I had got over the worst hurdle which was admitting to my husband that I am just over…
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Repair credit within 12 months - Bank accounts?
I have committed the next 12 months to repairing my credit. I've joined the electoral roll, applied to see my credit report, opened the credit builder facilty with cashplus mastercard (pre-paid), and now looking at what to do about bank accounts. I have a basic flex account with nationwide, but had some missed direct debit…
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mackenzie hall ?
i recieved a text from mackenzie hall today saying contact them and a reference number, i looked through some posts on here and not sure what to do i have had debt problems in the past and to be honest dont know what if any debts i have outstanding , i did a search on registry-trust.org.uk as i saw it on here and payed £8…
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Jacobs Bayliffs for Council Tax Debt
I am looking for advice. Unfortunately we have mounted up council tax arrears over a number of years. The first being for 2009/10. I stupidly did not seek advice and let them in and signed a walking possession order. This was at a previous address but I understand is still valid at my new address. I have a balance of £400…
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re-aged debt from llowell
Hi all, Im hoping someone can offer some advice please.. I recently checked my experian report as i knew i had a few debts from a failed business venture years ago. these debts are now all over 6 years old with no contact yet my credit file shows that llowell portfolio have made two entries re-aging the debt by 2 years. i…
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Help - SOA
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Emergency fund savings??
Hi all, I'm into my 2nd month of my DAS (scottish version of dmp) I would like to try and put something away for emergencies and would ideally like to open a savings account with the bank, as I read on here about transferring the pennies from your main account daily and allowing that to build up. Also if I put money in to…
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Can First Direct take money for M&S card
Hi, We just set up a new bank account with First Direct (HSBC), then last night I realised that one of my creditors, which is an M&S card, is also HSBC. If we started making minimum payments for the M&S card, are they likely to look across their accounts and see that we have a First Direct bank account, and then take money…
