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Is it best to close all open accounts?
Hi guys and girls Ive recently paid all my accounts off, Including "next" and "argos" would it be goot for my credit report etc to close these type of accounts or just leave them open? I dont intend to use them anymore! but there's a little bit of me thinking that if i leave them open it will be a good thing reflected on…
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Really really anxious and scared
Hi all. Hubby and I had a MASSIVE lightbulb moment at the weekend, and have finally had to grow up and face our debt and spending problems. We have our income and expenditure written down and have just filled in the CCCS form to start a DMP. So, even though we have take positive action and our families are being very…
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Read Tips But Still Don't Know How To Move Forward
Hello, This is my first time ever doing anything like this but feel that in order for me to improve my financial situation I need to first come to terms with my situation and feel that this is the best place to start. I'll just put my debt out there plain and simple: £1300 debt with credit card provider which has been in…
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Wrongly served ccj
Hi all, Just a quick one, I recently attempted to move properties to an alternative private rented accommodation however I was refused credit which I wasn't surprised at because this has happened to me for the last 3/4 years! I have applied for several things over the years from a car to a couch and should not get any of…
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Ashley Park debt management any opinions?
Hi i have been dealing with Ashley Park debt management on the phone tonight. I am very keen to take them up on their services. I am aware that they charge 17% for their services and i am happy with this cost. However i would like to know if anyone has had positive dealings with them at all? I cant find much on the…
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CAB payment plan & pushy creditor...
My father was made redundant due to stroke a few years back. At the time they had HP on a car, a bank loan and a debt with a credit card company. The local CAB helped him set up a payment plan to the three companies. This has been working well since about 2008. However, the credit card company is now calling my father at…
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Getting information on and dealing with old debt
Hey all. Hoping someone will be able to offer advice or point me in the right direction. 1. Is there a correct way to contact a company one owes money too? I have a rough idea, but not exact figures, dates, etc.. I obviously need to do this in a way that doesnt admit liability, right? 2. Some or all of these debts may have…
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Almost there!
Hello, It's been some months since I last posted about my debt-free struggle. Things have been up and down, of course, but mostly up. I've knuckled down and paid off more than £4k worth of debt. I'm down to my final £1k and because of a new job with a better wage, I'm hoping to get that sorted within the next two months. I…
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Blair Oliver & Scott
Hello, I Have a Question if anyone can help me with, I have been with BOS since 2006 paying off a halifax cc Debt, I have never missed a payment. When i called today to make a payment, I was told the debt had been handed over to a company called Talbots , a Debt collection agency, My question is do i have anything to worry…
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Who do I go with?
Hi folks, I'm new here and hoping that I can get some advice from any of you good people. I've been in debt for years, not a huge debt by comparison, but enough, and I've burying my head in the sand for too long, and just last week I decided that it has to stop here. Last week I Googled 'bankruptcy' and clicked on the…
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Should i trust Experian?
So ive just signed up with Experian, and had someone ring me from a company called Aspiro Money saying he was going to finish my loan application....i had no realised experian do loans? or that i had signed up for one.......... This man had alot of my details. inc DOB address full name and email. how has he got these? how…
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Defaults removed but payment arrangement still reported
Hi all - I have the following issue. I got into debt issues around 2005 and entered into a Payment Arrangement with my creditors in January 2006. I have not missed any of my agreed repayments. I checked my credit file and noticed that creditor number 1 had defaulted me on my loan in 2007 and creditor number 2 in 2010 for…
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statements from creditors
when I am on a DMP why do some of my creditors not send statements to me I have asked a couple of them if they would send them but they still haven't so i am not sure whether interest has been stopped or not Many thanks for help
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How do we get a car?
I started a DMP last June but did not include our car purchase plan and have maintained all the payments up to date. The car is due to be returned in May 2013 and having spoken to the lender they say it is highly unlikely we will be able to get another 3 year plan due to our credit rating. Do anyone know of a way around…
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Please can you help? Harrased unfairly
Hi there, a few years a go I managed to get help from the CAB to reduce my debts to £1 a month. This has been going really well until recently and I am hoping that someone can help me. I owe £450 to Evans (Lewis Group) and have been happily paying the £1 a month by standing order and have never missed a payment. A couple…
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What can they do after SB
OK I'm still fairly new here so may be asking what someone else has previously answered if so I apologise. I understand that if a debt is SB then no court action can be taken, so what options does that leave the DCA with to recover the debt? Thanks Markiem
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Credit repair
Hi everybody, I have recently paid off 3 accounts on my credit file but have been told that my credit score won't improve. How ever I am looking at getting some small credit in the near future, what is my chance of this? My credit score is 474 which is very low but I have been informed that this will not improve. Can…
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Defaults?!
I have 2 defaults from 2 years ago - 1 from Santander and 1 from Orange mobile phones. I also have a credit card with Santander which says 'Settled' on my credit rating. I've not been so bothered about it up until now - but the OH and I are moving out and everythings having to go in his name. Is there anything I can do to…
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Some advise please..
Hi 6 weeks ago I had a letter from Moorcroft saying I owed Nationwide £108. I sent the prove it letter back to them they responding saying they will get back to me in due course. Well today another letter came through asking me to confirm if i lived at an address to enable them to investifgate further. Now I know what this…
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CCJ still on Call Credit Report, even though paid off within 1 month.
Hello I checked my credit report on checkmyfile.co.uk at the weekend and was shocked that A CCJ issued in 2007 that I paid off within 1 month was still showing on my CallCredit Credit Report. It doesn't appear on Equifax or Experian and I've paid £4 to Registry Trust Limited who also say there is no record. I'd never…
