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Can't do this anymore :((
I'm admitting defeat after trying to juggle my debts for 18 months ... I say my debts but they are due to my ex husband who was biolent and a gambler, the kids and I fled to a refuge and have now set up home but he has left me with so much debt. He lives in the jouse we own together, I'm trying to get a divorce and force a…
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Sat/Sun 18th/19th May - What small DFW things will you do 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. :D But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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Recieved a Default Notice
Hi, After being in a DMP with Stepchange for the last eight months I have received a default notice from my CC company saying they MAY do this or MAY do that. Reading through the threads on this forum over the last few months I am going to write a letter stating that they have had a copy of my budget and I can not afford…
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Late payment/default
Just curious but is a late payment to a creditor deemed the same as a default? Thanks as usual
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Barclays Loan
Hi, I'm looking for some advice on my debt situation. I took out a loan with Barclays back in about 1997, It started at £500 but I went back to them a few times paying off my loan by taking out a bigger loan each time. Anyway it worked out that my repayments were half my weekly net pay, and it would take 5 years to repay,…
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Experian Credit Rating
Hi, I have signed up to the experian credit rating 30day trial in the past and cancelled it before I was charged. I want to check my credit score again so was wondering if anybody knew if I could sign up to the 30day trial again, even though I signed up in the past? Thanks in advance.
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Mackenzie Hall default
I checked my credit file recently and found a default registered by Mackenzie Hall for a loan from Quick Quid. As far as I was aware the loan was paid; I had no contact from Quick Quid to tell me otherwise and thought it had come straight out of my bank. I receieved a letter from MH who told me I owed the money, which I…
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Just checked my credit report, found debts I didnt know I had
Hi Guys After watching Martins show tonight I decided to check my credit report on Noddle. To my great shock (and now tremendous worry and sickness) I have found that I have 3 outstanding debts totaling £960. Between 2008-2009 I managed to get myself in a bit of financial trouble. I discoverd the joys and eventual horrors…
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Going under and don't know what to do
I am a new poster seeking some kind of advice or maybe just to find others in the same boat. We have a £175k mortgage and £30k debt in credit cards mainly run up because of our young child's nursery fees for the last 4 years (we are in the South East and the least we ever paid each month was £700 and the most £900). Also…
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New worrier - court summons, defaults, arrears and husband with no job
Hi everybody. I am hoping I can get some advice and reassurance that there is light at the end of the tunnel. My husband was made redundant a few months ago and still hasn't found a job. I have received a court summons for 328 unpaid council tax from last year and also a final notice for this years arrears (207). We are in…
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Pay full Arreas or Repossess my Car
Long story short, I lost my job fell behind on payment for my car, I now owe them £1600. I have just started work again and want to clear my arreas. I Offered £100 now, then £200 a week. to get my account settled as fast as possible. They have declined it and want the car back, I dont want to be left with giving away the…
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Starting my DMP
Ok so finally sorted the dmp with Stepchange (cccs). They have all the details and said first payment should be 1st June. Feel relieved already that someone else is taking ovrr responsibility in a way to get this sorted and all I have to do is ensure my monthly payments are made. Anyone elses experience of being on a dmp…
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Debt Collection Agencies Chasing Me for Unknown Debt
In 2011 I started getting phone calls from Mackenzie Hall with a recorded message to call them re a "personal matter". I did not respond & then received a letter with the same message which I also ignored. Then they sent a letter demanding over £300 owed to their client & threatening legal action if I did not pay it within…
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Can sold on debt incur new default
I have a debt that default in 2001 for £180. Recently i signed up to equifax and checked my report - they have the same debt listed with a debt collection agency and they have recorded a new default in 2008 against the same debt. The original debt has long since dissapeared from my report (2007) but unfortunately since…
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Water Bill
Hi I brought an ex-council flat back in march I have received my first water bill which is £120 for this quater there is only me in the flat and I am very careful with how much water i use. I only use my washing machine once per week on ecom setting. I have checked for leeks and cannot find anything I have contacted my…
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what happens if I don't pay credit cards and loans etc?
hi. i have too much debt (credit cards and loans.. around 25k) which i won't be able to pay. I won't have a job because I want to live in a different country. I can't afford to live in UK anymore. what could happen? thank you in advance.
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Selling for Additional Income
Morning all, I am looking for some advice. I am trying to have a de-clutter while making some additional income to pay off the extra credit card debt we have accrued the last couple of years due to house moves. Basically I have about 5 bin bags full of kids clothes that need to be sold. What ways to people think are the…
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Credit card help please
Hi everyone I have just taken out a loan to pay off 3 very expensive credit cards do i close the accounts or leave them open???? One is vanquis with a 2500 limit one is mbna with 2000 limit any advice welcome thanks :)
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Reclaiming CC charges?
Getting desperate now :D I have had my cards for years and obviously now the accounts are all cancelled due to my reduced payments, so I have nothing to lose by trying to claim any charges back. I've read a little but not much Is there any kind of template letter floating around? Is it worth me trying?
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Extra default added to same debt
I have a default from Jan 2011 for approx 1.6k, which I couldnt pay at the time as I was not working. I have since got a permanent position, and been saving to make a full and final settlement for it. The debt was with HSBC, but I have checked my Noddle report and a company called Lowell have added a default to my file…
