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debt with ex partner
hi all, new thread any help would be great, my ex husband left some years ago and now im with new partner and we are both fortunately on a decent wage where we can save for a mortgage in the next couple of years. i wonder where i stand with debt still owed by myself on a joint application with my ex husband, as i would bve…
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Advice needed - please!
Hi there, when I was in uni I took out a student overdraft with halifax bank, I left uni and couldnt afford to pay the overdraft back so they cancelled my account and froze all interest on my account, this was fine and i was paying £50 A month as was all i could afford, i then lost my job and was out of work for a while,…
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Electoral Roll
I have been cleaning up my credit file on Experian. Looks quit good now. However when I went to register for the Electoral roll the application form says this News Update Due to the Police and Crime Commissioner elections on 15th November 2012, the Annual Canvass has been brought forward for this year to take effect from…
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Asking for a default to be applied?
Morning all, Back in 2008 I held two current accounts and one loan with Natwest, due to health issues I was no longer able to work and as such Natwest defaulted both the current accounts, however they have not done so for the loan. Is it possible to argue that a default should have been applied to the loan as well? I am…
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Coping with debt Harassment
This advice is for anyone receiving harassing calls from any debt colection company/credit card company. My current issue is with Capital One, but i feel this frame work would work for any situation. This advice is aimed at people in the UK however im sure it would apply rather well world wide. -- Firstly if you are having…
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£10'000 debt on CC, abroad and can't repay. My options?
Hi, I have been searching the forum for help with my debt, and found much helpful information but I'm still not entirely sure as to what to do. First of all I am unspeakably ashamed of my inability to repay the money I have borrowed... My case is as follows: Over the years I have accumulated a debt of £10'000 on my HSBC…
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Losing lbs and gaining £s
Posted in wrong place!
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Debt free wannabe advice needed
Hello, Thank you in advance for any help that you may give me. As you will have gathered I am in debt - approximately £17,000. I am only paying back on one (HP) loan at £90 a month with £4400 outstanding and have just finished paying off a loan with the same company. I did have a payment plans set up with a few of my debts…
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BCW... Help needed!!
Hi everyone, Basically i received a letter at the begining of june asking me to confirm my identity relating to an undisclosed matter. I guessed it was a debt collection company as i am currently in the process of paying off my ex boyfriends debts (which were in both our names since he has handily disappeared off the face…
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cant pay credit card bills, no job
so i have 2 credit cards both owe about 500 pounds, i was doing fine but now have no job and no money coming in what so ever, im trying hard to get a job but get no replies, im from the uk, the companies are capital one and aqua, ive so far missed 1 payment each on them, not sure what to do, i was just gonna ignore them…
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First Step Finance
Hi, I am with a company called First Step Finance and want to know what their history is? I know they charge. I have paid them £150 so far. Any comments/help would be appreciated Hannah
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Owning a car - Vicious circle of debt - need advice
I deliberated over which forum section to put this in but decided the problem is more on the debt side than the motoring side! I have always had cheap cars (£400 is the most I've ever paid) but I am in a recurring rut of trying to save up for a better one but end up paying for expensive garage bills that rob my car fund.…
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Need advise on DRO, IVA etc.
I'm 19 years old when I was 18, I decided I would be a idiot and take alot of phone contracts out I was in a desperate situation and ended up in alot of trouble. I currently have 6 Defaults and 2 coming up, is it worth me getting a DRO or a IVA? Or simply sitting out these defaults for 6 years? I'm recently employed and…
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Credit Score Unfair Blemish
Hi all, I've been a little outraged about this for a few years since it happened. The main fact is that I have a default on my account from it and it wasn't my fault. It all started on 25th October 2008. I went into Carphone Warehouse and was interested in getting a subscription deal on a Web Book (a spangley new thing at…
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Credit Files....
Hi i want to ask and i know you will have probably heard this 1000 or more. I have a default on my credit file wit equifax - default date : 17/09/2006. Settled Date: 23rd June 2011 When will this come off the credit file is it 6 years after the Default date which will mean September this year? :j :beer: :money: Or will it…
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Letter in the post..
Hi Had a letter from Moorcroft plc today asking for payment for a overdraft charge debt they have from a Nationwide account I had. To my knowledge once I had payed back the overdraft to £0 it was closed. I believe this was around 8 years ago although do not have any records of the account anymore. I have taken the 'prove…
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Apex and Wescott related questions.
Good morning all Could I start by saying there will be a couple of questions here, and in any response, please DO NOT use abbreviations, not everyone knows what they mean, me included. 1) Having told Apex Credit Management to stop phoning me after I called them to check a balance (during which the very kind vulture tried…
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Loan company taking our money
Hi I have posted this in the loans thread also but as this is a higher APR loan as we have bad credit I thought I would but it on here as well. Right we needed some extra cash ASAP so we looked at a loan and found a company called priority money who said they will send us some paperwork which we need to sign and send back…
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Sat 21st & Sun 22nd July - What Small Things will you be doing this weekend?
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. :T 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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Help regards Robinson Way
Hi All, I am new to this so apologies for any mistakes, i just wanted some advice on the debt collector Robinson Way (or any debt collector for that matter), i got in financial difficulties a few years ago and was being charged stupid amounts in default charges by santandar, i had an overdraft with them of £1000 which they…
