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Help getting rid of credit card debt
Hi, Its safe to say that I haven't been the best with money since I left uni 8 years ago, amassing a fair amount of debt over that time. It has always been in a reasonable amount of control as I have a steady, decent paid job. I recently finished a 5 year loan with my bank HSBC and now am left with a number of credit cards…
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Saturday/Sunday 25th/26th August - What small DFW 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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Credit File Problem
Hi everyone! Im trying to get myself debt free and up my credit rating. Several years ago I had problems with Santander. I phoned them up and asked to go on a reducing overdraft reducing it by £100 a month which they agreed to. This was at my request. They then removed the overdraft completely for no reason and claimed…
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DMP strategy
Hi everyone, I'm on a DMP at the moment, bit over a year in and all creditors have stopped interest (except Barclaycard) and accepted my payment plan. Really was the best thing I've done. I've just been going through my budget again due to impending changes in my circumstances requiring a review and it's occurred to me…
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help with a couple of sticky creditors
im finally starting to see my debt coming down slowly but surely...however im having problems with a couple of creditors in particular 1. i have a personal loan with ulster bank with about 2500 still to pay - however they continue to charge interest despite various letters...i really dont want to have to go through an…
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im a newbie
hi everyone......im new to this forum....im trying to pay off a total debt of about £13000 (made up of various credit cards etc)...i am soo looking forward to being debt free
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Advice on debts needed
Ok so basically I have managed to accumulate about £5000 debt over the last 2 or 3 years and am now starting to struggle to pay this. I was in full time employment up until 2 weeks ago but my contracted ended so I am now unemployed, my partner lost his job a week earlier and I am 5 months pregnant. We have put in a claim…
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Equifax, Statute barred and default date.
Hi I have just checked my Equifax file and found that a debt that i thought was statue barred is still show on my file. Through my own foolishness I failed to pay a loan off in October 2005. I have not paid anything since then or acknowledged any debt. On checking my Equifax file the loan is still on there but shows a…
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Council Tax - Attachement of Earnings help please!
Hi, I'm new to the forum but have been a regular and think its great, I'm just hoping anyone could shed some light on an issue I've had with Sandwell Council in the West Midlands. I'll try and put this as clear as I can, basically in March of this year (2012), myself and my parents moved in to a property in Oldbury, now…
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Default Date
I had a hire purchase agreement with RCI (Renault). I missed various payments and eventually defaulted on the account. Since then I have almost paid the account up and owe them about £200 still which I have agreed to pay them next month. Although on top of that im claiming back PPI and charges (£40 a letter!), but thats…
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What should I do?
Hi, Not sure where to start to be honest. I had a messy divorce which involved us handing the house back to HSBC. The outstanding debt is 30k. They haven't really been on my case for the money, apparently they passed the debt onto an DCA in April this year and heard nothing since.. I also have a debt of 6k with a Halifax…
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1st Credit
Hi all, I received a text from this company claiming I owe them almost £2000 for a Halifax account that was shut down in 2007. I shut the account down because they kept over drawing me, and even when I went to one of those company's to get the money back they were charging me, which I received around £500, they did it…
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advise needed urgently
Hi, This is my first post so please bare with me. My sister is in alot of debt and is being taken to court. My mum has been helping her to pay some bills and food for her,her husband and children. My mum opened up a credit card account and gave my sister her card so she could pay some bills and stop her from going to…
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Debt free yippy
Just had a letter from my bank offering me £6000 for ppi compensation I will become debt free when I receive this money.
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In sever debt - AGAIN!!
Hi everyone, I've used this forum before and succesfully managed to get out of debt and afford to buy a house (at the peak of the housing boom but that's another story!) - Maybe wasn't the most sensible either as instead of having a deposit we were so eager to buy we didn't save and went with Northern Rock. Hindsight is a…
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Default question
I had default registered with a company in April of 2007. Then a debt collector registered a default for the same money in December 2007? My question is... are they allowed to register two defaults for the same debt? I am curious as speaking with a friend she is in a similar position. Except the original company is showing…
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CCJ on credit record
My son had a CCJ against him in 2010 which naturally popped up on his credit record but with a status that says the matter is not satisfied.* My son "assures me" that he paid the outstanding sum within 4 weeks after the court case but cannot find the reciept so to request removal of the entry from his credit record. * The…
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Moorcroft
Hi, I have a debt with Egg (now Barclays) and Moorcroft is the DCA. I spoke to them earlier about an offer I made to them which they have turned down as they say that their client (Barclays) will not accept it. Is it likely that they are acting on behalf of Barclays, or that they're trying to pull a fast one as I would've…
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CCJ's
I have a question about CCJ's. If a CCJ is awarded against you, is it a case of you have to pay the full amount, or cant a settlement be arranged? Thanks. PS, I havent got a CCJ etc, just curious!
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Default applied without notice?
Hello all! I'm currently working very hard to clean up my credit report after learning a very hard lesson! However there is a default applied to my account and I was never made aware this was going to happen? I'm going to pay it off tOday not trying to escape my debt but I want to know if I can request the default be…
