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Need help with CCJ
Hello I have today received a letter from Northampton County Court stating that Arrow Global Guernsey have made a claim against me for an outstanding debt of £797. This was sent to an address that I lived at 12 months ago and its only because my partner is a postie that he noticed this letter and brought it home for me. It…
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Advice on Statute Barred needed please...
ok peeps i will try my best to explain this.... i was talking to a bloke the other day and he was going on about Statute Barred which i had never heard of. so ive done some searching on here and my brain is fried with info over load !! when i was younger i was silly with money, credit & loans going back to around 2001…
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Saturday 29th/Sunday 30th September - 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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3 Day Week
My husband has to start a 3 day week as from next week. We are on a repayment plan with cccs. We pay £457 per month , but i will have to reduce these payments now. Has anyone else had to do this? If so have the creditors been ok with reduced payments. Many thanks for your help on this one.
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My LBM...
Hi! I've been reading these forums for a few years, and even posted about getting rid of my debts a couple of years ago - then I only had £600 on CC! However, now it's £3000 on a 0% card and a £1500 overdraft. I had been keeping it to myself but eventually it became too much and I confessed all to my husband. He knew about…
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How long can I stall DCA's?
This is my first post, so hello and thankyou for everyone on here for some awesome tips and advice over the years. My question relates to a number of debts that are now being handled by DCA's - APEX Credit management = total outstanding £1119 ARC (obo QuickQuid) = £1900 Fredricksons (obo capital one) = £3900 Mackenzie Hall…
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Pay off debts or house deposit? Please help!
Hello, this is my first post so please be gentle! I've been using this site and its forums for a long time now and in the past have had huge amounts of debt which I've managed to reduce greatly through hard work and discipline. I still have debts and am now facing a crossroads. I've been thinking about it for so long now…
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My payday loan and credit card horror
Hello I have got caught in the Payday loan trap because I wanted to do things my friends did which in reality I could not afford but it has all back fired and I have learnt a huge lesson. If you cant afford it do not get a payday loan credit card or any kind of credit. I say any kind of credit because I got a littlewoods…
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Wescot Credit
Hi I have received a postcard addressed to the occupier with a reference number and telephone number. I phoned them and 2f answered saying they will send something in the post. i have read a few other posts regarding Wescot and believe this may relate to a House of Fraser card i had many years ago. I was unable to contact…
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Mortgage Express Negative Equity Shortfall
I wonder if someone is able to help me. In my youth i rather mistakenly made a big error in judgement and bought a new build property which for one reason or another was eventually repossessed. This was like 6 years ago. Unfortunately from that i have been left with a negative equity shortfall balance going into 5 figures.…
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Debt free at last!!!!!!!!!!!!!1
I have just paid off the last full and final offer - lousy offers but at least I am done with it all, 4 months before retirement. I began my debt management plan with Payplan 7 years ago almost to the day - they have been a life saver. My partner and my mother gave me enough money to make final offers to 16 creditors. My…
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IVA and inheritance
Hello. Under my IVA if I get any inheritance my practioner will use this to give to my creditors. I am currently in my mums will to get half her bungalow when she passes away. To avoid my practioner seizing the funds, I'm thinking of getting mum to change her will, so my 5 year old daughter inherits it into her bank…
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Single DFW
Hello I'm new and excited! :D I was just wondering.. i've been trawling the boards alot and there seems to be alot of couples working together to be DF....having just been put back onto the market not by choice :( I was wondering if there are any other singletons out there going through this alone? and how you are getting…
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Gopher money dmp
Hi I am posting a quick post about my experience with this lot to sit a a guide / warning to others. What I cant say is, they dont / wont offer you a decent service They cant / wont promise what they deliver What I can 100% say is Im very glad I didnt enter a dmp with them. After contacting the cccs and other free…
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Council tax question
Sorry if this in the wrong place, but have a question. I'm in Scotland, and council tax is up to date, but I've been very late paying on 3 occassions (4 weeks), and 7 days late on the other. On 7th this month I paid Septembers, which bought me up to date. (I've been up to date the others months except April and June, where…
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Mackenzie hall
DD1 got into trouble with PDL co. They passed it to McH in August. She wrote offering £10.00/month, originally thought she would only be able to pay £5.00, but she was happier paying the higher amount, also requesting a standing order. As yet McH have not replied to say whether they have accepted her offer. I presume she…
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Wescot Credit Services say he owes thousands! Help please!
Hello, This is my first post on here so I hope I've posted correctly! My husband has received a letter from Wescot Credit Services saying he owes a massive £27 k! He has no idea what it can be for and thinks it must be a mistake ... but I've done some research online and I'm not sure they'd send it if it wasn't true. The…
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Concerns in dealing with Collection Agency/debt
I'm hoping someone can possibly shed some light on this issue I am having & hopefully end this saga once & for all. Last June, my mobile contract with o2 expired, and instead of the contract winding down like I had requested them to do, they continued on the contract without my consent. When I debated this issue I got…
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Who do I pay? Who owns my debt?
Hello there, Trying to get my credit rating back in order! I wonder if someone can offer some advice?! I have a defaulted (2009) credit card which shows on my Credit File, with Halifax. The spend limit was £420, but the balance now stands at £1968 with charges and intereset. I have contacted Halifax and they told me to…
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Debt-free wannabe to Debt-free I be
April 2010 I was 13k in debt and with the joy of covering the cost of selling a house that was in negative equity after splitting up with my boyfriend. Much of the debt was shared but I was left paying it all off (boy will I never get my self in that situation again!!) Well 2.5 years later, this morning I have just paid…