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CCj Settled. Sufficient evidence?
Two weeks ago I settled a CCJ after a bit of wrangling. I requested written confirmation from the Sheriffs Office that the matter was now closed. As I had always communicated via email (did not want to give my home address for obvious reasons) they sent me the following back by email: Ref 8888888888888 Name/Name We can…
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Bad day continues bad year
Having a total nightmare. I'm beginning to wonder why I bother. Both my wife & I work, I am a software dev & she is an analyst. We earn a good wage between us. My wife has been back at work after maternity for 4 months now. I figure we had it quite lucky over the two maternity periods we have had in the last 4 years. No…
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DCA threatening to take my house!!
I am on a self managed DMP and it's been going fine all creditors accepted my DMP and all bar one stopped interest. Now MBNA have sold my debt to Link Financial and I have been paying the the same amount as I was paying to MBNA. Now Link are phoning me at work :mad: and when I returned there call I told them to remove my…
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Letter from debt company despite settling
Hi I have a letter delivered from Drydensfairfax solicitors saying that I owe max recover £4306.86 for a debt which I made a agreed settlement figures in 2008. I then got 2 letters from max recover saying We are required to send you the statements in compliance with consumer credit act 1974 until such point that there are…
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BPO Collections & Anglia UK
Hello, I have bury my head in the sand syndrome. After 2 Door step agent calls this week I can't hide anymore. Anglia I feel were unfair, their letter arrived yesterday giving me 2 days to call them. Their agent arrived yesterday and a letter arrived today telling me he was coming. I owed £1100 to finish paying for my car…
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Ashley Park Debt Management- Reclaiming Upfront Fees
Back in May I decided enough was enough and I couldn't service the levels of debt anymore. We ended up at a company called Ashley Park based in Rotherham, spent a while on the phone to them and the bottom line is they took an initial payment of more than £500 off me. After the initial payment was taken they then sent me…
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F&F offer: advice on letter recieved
Just wanted to get some advice from the good people here - is this sufficient to cover ourselves should this debt get sold on? Worth arguing over the partial settlement? It's a 15% reduction on something that has been defaulted. But what we don't want is this being sold on and getting hassle down the road (sure, they'll…
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Moving with debt
Hi all, I have debt! I want to know if I mov in with someone as a lodger would they become financially linked to me? Woudl the address be "blacklisted" for want of a better word should they wish to take out credit? It is my mum's that I would be moving into and she knows about my money troubles but I dont want it affecting…
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O2 Default Dispute
Please Help! My partner and I are looking to get a mortgage. After reading on money saving expert that it is advisable to do your own Experian Credit Report we did so. My partner has found a Default from O2 that is dated 2007 with an outstanding balance of £217. He was shocked to see this default as the rest of his credit…
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Debt collector
Hi all Okay so have been ignoring my debt for a while and have received a few letters recently. Just opened the door to some old guy who I seen at another house and asked if I was 'my name' and I said yes not expecting it to be a debt collector!! Anyway was to set a repayment method up for a outstanding debt to tsb. I…
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Has he got a CCJ or not
Hi Just after a bit of advice. Back in nov 2009 a creditor took hubby to court, for payments. From hubby's memory, the judge said they were to come to some mutual payment agreement and if they couldn't, he'd issue a CCJ. They did come to mutual agreement. Hubby has applied for a new job, in the application form it asks if…
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Is an IVA best option?
Hi My ex husband & I accured a lot of debt a long time ago, resulting in us paying a Debt Management Company a hefty amount to deal with the creditors nearly 8 years ago. We separated 2 years go & split the debt into whose name it was in, luckliy none was joint. I now have my own agreement with the company. I vowed to sort…
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Scared to give up credit cards
Hi all, I have been lurking around here for sometime and thought it was about time I stopped burying my head in the sand and started to get my finances straight. My situation is that I had to change jobs (which was on my doorstep) Thankfully I managed to get a new one. The trouble is, it's further away than my last job and…
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Scotcall
Hi, I had a letter from Scotcall saying I owe £65 to them from a Citibank account I used to have. Well I have never held a Citibank account so I sent them a letter asking to see the credit agreement and enclosed a £1 cheque as the statutory fee. This was clearly stated in my letter in the following paragraph: Your…
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Any advice will be grateful
Hi all, Im probably in the wrong place so if somone can re direct me that would be good.... After my marriage ended nearly 4 years ago, i walked away with a number of debts. The largest being the only joint debt of 45k to picture loan. Imanaged to keep my head in the sand until earlier on this year. All my debts have gone…
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Pay off CC debt with overdraft or not?
Hi all Since last posting on here almost a year ago, my circumstances changed in June this year when my car broke down (head gasket went again so wasnt worth repairing it) which made me decide to part with £8k towards a 11 plate car. Before this happened I had just about reached a point where I was debt free and had…
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Credit Report advice needed!!
Hi Everyone, Just looking for a little advice, I have recently paid £4000 off one of my credit cards and my credit report updated today but did not show this. Now i know it will probably come off next month but we have just seen a house that we would like to go for (1st time buyers) and was wondering if there was anyway to…
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HELP!! Phoenix Collections say I owe money!
I need urgent advice! My partner had a letter through the post a few months ago from a company called Phoenix Commercial Collections, it said he owed £198.00 and it was owed to a council which is 3 councils away from me. The payment was said to be owed as.... "You were seen to be contravening a bus lane in ........street"…
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CCJ help wanted
We are trying to find out what we owe and to whom. We sent for our credit report but this just tells us which organizations have been given information about us but does not give US our own information. So does anyone know how to go about finding out what we owe so that we can pay. This seems ridiculous that we can't pay…
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Friday 14th September - 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…
