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Student Loans Company
Can anyone please help? I had a students loan in 1993. I have deferred it every year. I have been a couple of times late, and had to pay off some amounts because of this. I am now 52 years old. I have been told that they write off the debt when you are 50. If this is true then, I was 50 in 2010, so why was it not written…
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Amendment to credit file
Hi everyone, Does anyone know how quickly a change made by a creditor to your credit file takes to show up with the reference agencies? A creditor has kindly agreed to remove two consecutive late payment markers from my file. I am also hoping to pay off a £5,000 credit card. I'm hoping this will dramatically improve my…
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benefits as income?
Just trying to get rid of my cc debt, im unemployed, im a stay at home mummy, i get child benefit and tax credits , but i cant get a new 0% balance transfer as i have no income, do the above count as income? Many thanks for any help x
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Seeking advice on behalf of my girlfriend
Hi, My girlfriend has landed herself in a bit of money trouble -- I'll try and summarise here, but I can't give exact details as I don't know them all. I'm just seeking advice on her behalf really since she's obviously in a fix and neither of us know of a proper solution. Altogether she owes around £2360, the majority of…
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Ignored debt for years and am now CominClean
Hi people! I want to become debt free from all the debts I have which I guestimate to be somewhere in the region of around £10,000+ For what it's worth, I've suffered with depression for years and have always ignored debts when they've got on top of me. Things are really looking up for me now and my head's in the right…
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Credit File - Should I be worried?
Hi guys.. I have 4 defaults on my credit file from 2009 (dont ask) - My file has been great since then but the Defaulted accounts are labled as "SATISIFIED" yet some of them are still being "updated" as recently as 01/07/2012. Should I be worried that this is still effecting my credit score? Do I need to take any action to…
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Numerous defaults/latepayments - Same account same month
Hello Just a quick one, hope someone out there can help! I have a fair few defaults on my credit report, I am not disputing the defaults, I am however confused as to why some of my accounts register defaults in lots of different months. I thought once you got a default that was it, you dont get another one the next month…
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Defaulted, or not defaulted??
Im currently in a case with Barclaycard, via the ombudsman. I defaulted on seferal debts 11 years ago and went onto a DMP. Barclaycard have been recording "APs" ever since. Ive asked for the debt to be romoved and they refuse. They say it was never defaulted and AP reflects the state of the account. I argue that i…
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Credit Card Debt sold to mkdp - what now?
So, I have £5500 of debt on a barclaycard, I've missed some payments as I was unable to afford them - I burried my head in the sand as I've been going through a divorce and suffering with depression. I received a letter last week from barclaycard advising that they had sold the debt to mkdp. Mkdp have now written me saying…
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Default date or settlement date on credit file
Having a bit of a panic here! Is this right Say default date was 1/1/10 it would be gone from credit file on 1/1/16 But, if I settled the account on say 1/1/12 the default would be there until 1/1/18 :eek: Please tell me I've misinterpreted this??? Desperately trying to pay off my DMP and settle the accounts....thought…
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12 months to go.
I've never been unable to make my payments (although it's been a close run thing sometimes), but I'll finally be completely debt free, July next year. It's the old story. Young and reckless, running two Credit Cards. Finally realised I couldn't keep spending all over the place, so took out a loan to cover both cards, and…
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New to DFW... we're getting there!
Have lurked for a while and posted occasionally elsewhere but as things are finally beginning to move forward for us, I felt like sharing. My debt problems started way back in 1997, when I opened a student bank account and got both an overdraft and a credit card. Initially, I refused to use either, but being terrible at…
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Bailiffs
I would like to let everyone in Scotland who has ever been threatened by bullying English Bailiffs. SCOTLAND DOESN'T ALLOW BAILIFFS, AT ALL !!!! So dinna fash yersels ma wee Scotties, you can tell the Bailiffs to take a hike, or jump off the nearest cliff, or go hang themselves, or whatever takes your fancy. They are…
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Newbie looking some advice
Thanks to blitzboy for redirecting me here, here is my orignal post, hope someone can help. Hey Guys New to the site, registered as I have a few money concerns and just really want any advice that people may have. My current debt stands at the following: Overdraft: -£700 (being paid off at £100 per month) Credit Card No.…
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Thursday 19th July - 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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Becoming a Student & unable to pay loan
Hi there, I am looking for some advice... In September I will be a full time Social Work Student. I have a loan which I used to rennovate a property, however, due to my change in circumstances I am unable to afford the £170 a month repayment. I have also had to rent my house out and house share as things are so tight. At…
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what to pay off next
hi there im slowly working my way down the list and wondering what i should do this month. i will £800 to throw at my debts this month, and have the following debts left. capital one £190 Very £240 aqua £388 vanquis £1200 natwest £1463 to be honest, i know the golden rule is highest interest first but im not bothered about…
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Full & Final settlement offer on a HP agreement
HP Agreement, currently under a suspended return of goods order from the county court. Currently owing around £5700... court ordered last year that it is to be paid @ £180 a month, so going to take a very long time to clear at that rate. However, nearly £2300 of that is the fee's charged by Blackhorse when I got into…
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Court Case- Getting Desperate!
My husband is being taken to court over a van-rental matter from back in 2007/8. He used to run a courier franchise for DHL and hire quite a few vans. Basically, this company reckon he broke a contract over 2 vehicles, and want £15,000 from us, but it is a really, really complicated case, as my husband believes he hired as…
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Water Debts - South Staffs Water
Ok so I guess this is a debt We had a leak earlier in 2010 and we could not afford to pay our water bill. We pay for the water that we use. So I applied for a grant to cover the arrears/balance on the account. The grant was from the above supplier that we are with. They said yes you can have the grant but prove you can pay…
