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fredrickson messing me about
Hi all. Near the end of last year i came to an agreement with fredrickson debt collectors to pay £30 a month to clear my old debt with capital one i was happy enough with this agreement and happier that no letters would be coming to my girlfriends door from debt collectors. Last week fredrickson sent a letter out demanding…
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Old debt ruining excellent credit....
I had a motorbike loan back in 2002 and had a large crash then defaulted on payments as I was off work for a long time. I disputed this with the loan provider as I was supposed to be covered by insurance however this wasn't the case. I refused to continue paying. I moved away to Scotland to work and was pursued by…
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Friday 24th August - What small things will you be doing 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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Bipolar - Payday Loans... DMP... NEED HELP :(
Hi All, I have been diagnosed Bipolar and I am currently taking a whole load of prescribed medications, Lorazepam, Sertraline, Propanolol. I have severe memory issues because of this and my decision making on what is good or not is basically non existent. Today I woke up with a parcel having signed up for a course at the…
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Equita bailiff advice needed
I recently had a visit from an equita bailiff who left a letter saying I needed to pay a council tax debt within 24 hours or he would be reposessing my goods. As I was at work at the time, my partner spoke to the bailiff and let me know. I phoned the bailiff asap and asked what the amount was (around £800) I then told him…
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Car finance advice
Anyone help me please. I have a car on finance and not sure whether to take car off road until I can afford it again. I pay 151 pm and still owe probably about 1700-1800 it ends next year. I paid 400 deposit and it together was 4000 something loan. Yes , I was ripped up and stupid. I was wondering if I phone them to say if…
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Solicitor screwing me?
Hi folks, Im new to this forum and was looking for some advice. After a very expensive divorce (taking 3 years), my solicitor sent me a "final fee note" for the sum of just under 2k (taking my total spend on this to over 6k). One of the senior partners emailed me yesterday to say that final fee note was incorrect and Im…
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Self Adminstered DMP
I am starting a DMP but contacting everyone myself as I would prefer to do things this way. Are they likely to stop interest as they would if someone like CCCS were doing it? The first payment I'll 'miss' will be my loan, but seeing as my credit rating is awful anyway I'm not too concerned about my credit rating being…
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gpb Solicitors going postal on me...??!!
It's regarding a debt for 768.07 with Lloyds.. The letter says that iQor Recovery Services have instructed them about this debt and that if now pid within 7 days i will receive a CCJ. It even details Court Fees and Solicitor Costs.. Obviously i must engage this somehow, but i really dont have the money, struggling at the…
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Bipolar and I need or urgent help
Hello all, I suffer with bipolar disorder and a I'm at my wits end and I need of advise as I've no one else to turn to. I stupidly took a log book loan out on my car in a manic episode. Up til now I've been keeping up repayments but been having a low period and have not paid in 3 weeks. I got a letter from Carcashpoint and…
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problems with debt, keeping car running and being pregnant please help advice please
Well I owe money second time due to my sillyness with buying my ex stuff and now I am the one left with no money. I work as cabin crew but I am pregnant I only get 572 per month 184 goes to Credit union for loan I have left to pay 2900 743 in savings probably be 780 next week when we get paid. I have a car on finance and…
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not sure what to do, how to do it and when
Good afternoon all. Not sure if this is in the right place so please feel free to move it. Ive been debt free now for 3 months, last payment to creditors was made 22.5.2012 through my dmp. I am looking to try and clean up my credit file. I have 5 defaults. 2 were placed in 2009, 2 placed 2010 and 1 placed 2011. Im aware…
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Why am I such an idiot?
Probably not the best place to post as it's just a big moany, ranty, self pitying winge but it is at least about debt. Does anyone else have days when they just think: I got into debt by being an idiot, I stayed in debt by being an idiot and I sabotage every single thing I do to get out by being an idiot. And because I…
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statute barred
Hi guys , don't know if anyone can help on tues I recieved a phone call from a compaby called global saying that I owed money from a personal loan from 14 years ago , they said they were going to send some letters out in the post . Straight after I readup about this company and the reading was that they not very nice and…
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In debt and moving abroad, how to go about it?
Hello People. I got the following Situation: Few years ago i was struggeling with my Loan, so Citizen Advice helped me getting this Loan i got now with a Company called 'Dept Collectors' working on behalf of Lloyds TSB. Basicly i still owe around £4500, without interest being added. As i am a lone Parent and receive…
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1st Credit and request for CCA
Hi, Am new to this website and am hoping that my questions maybe answered. I have been contacted by 1st Credit regarding a debt with the AA. I sent a recorded delivery letter along with a postal order for £1 requesting a CCA. This letter was sent on the 11th July 2012. Having just returned from holiday I have received a…
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Credit security chasing me
I have letters and calls from credit security about store card debt from 1998, i last made payment in 2002 and have ignored them since, they still contact me threatening door step collection etc, do i pay it off or is it worth it? i was taken to court for it in 2000 i think
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Joint Account
Hi I have finally found a place to live and have paid the deposit and I move in on Sunday. :) BUT I have just found out that my name has to go on a joint account with the other tennants for the bills. :( My credit rating is rubbish and what if the bank rejects me or worse I give my other housemates bad credit? HELP!!
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CCJ Awarded after Statute Barred
Hi Wish I'd read this forum earlier but didn't! Anyway I received a letter 2 years ago from a DCA chasing an old debt that was what I now realise SB. At the time I ignored it and hoped it would go away but it didn't! A few weeks later I receive a CCJ form from Northampton and foolishly sent it back "not at this address".…
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global dept recovery
Hello i hope someone can help. i have received a letter from global dept recovery stating, "our client has instructed that provided you remit 1047.67 pounds by the 30/08/12, they will take this payment as full and final settlement of the above claim." This is after a phone call that i had a week ago asking if i was the…
