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How to deal with this?
And it gets worse :eek: Several years ago, WFTC decided they had overpaid me which I disputed and appealed. I heard nothing back and me payments continued as normal I have just received a letter from them saying unless I call them or we will pass this to a debt collection agency. Once that happens apparently, I will not be…
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Catalogue debt
I am in debt with littlewoods, I went to the citizens advice who arranged for me to pay £5 a week, I was doing this online via my catalogue account until one day I couldn't log on to pay, I phoned them up and they told me the account had been passed over to NDR I phoned them and I was baffled as they were throwing figures…
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Overdraft AND car finance advice please
Hi folks, Looking for some advice on my best move. Married with 4 kids, two incomes and seemingly skint every month. Here's the situation: I have Halifax Ultimate Reward account. The overdraft limit is £3700. We pretty much use this every month. Recently I've noticed Halifax have started hammering us with bank charges.…
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Clearing old CCJ
Hi all, My wife and i have an excellent credit score save a ccj issued to my wife 4.5yrs ago. The debt has since been paid off however i want to get the credit record "satisfied" that we have repaid the debt. The debt was with natwest. As i understand it i need proof from Natwest that we've repaid all monies and then speak…
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Fri 17th 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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what to do with empty credit cards
Well I'm in a position now where I gone from 3 credit cards, luckly 2 had 2 small amounts, but due to my ex stuffing up my credit i couldnt transfere them, but now I managed to get them on one, so only paying one off now. I have 2 credit cards I no longer wish to use I have already cut them up. I wanted to cancel them but…
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New to the site
Hey there, I am new to this site, but have read the emails off and on for a while. I am about £15,000 in debt with credit cards and I just feel so desperate, I cannot see an end to the this debt, on top of this I have a daughter who is at Uni and is short £1,000 for accommodation fees. I had a little saved so I can pay off…
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Settling debts... Lowell
Hi Everyone I finally have my credit report and I am sorting it all out.... I have 7 debts which all state Lowell ( I have no idea who this Lowell is??) 5 of the debts come off my credit report next month so taking advice from here I only really want to settle the last 2, but if I contact them wont they hassle me for the…
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Snowballing & tarting Question
Hi guys, After spending ages inputting various scenarios into the Whats the Cost snowballing calculator, my eye balls and brain are ready to explode! I could therefore really do with some help/advice from you lovely people in working out how best to snowball and/or tart the following debts:- Nationwide loan - £6337.28 -…
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Credit report help..... Debt free here I come
So I have my credit report with equifax and experian on the way.. I now need some help please?? I have a score of 136 which I think is absolutely horrendous.... I have a few 11 in total defaults and 2 CCJ's There is a start date, date updated, and default date Which is the date which that it takes 6 years to go off? The…
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best way to go forward?
Basically I have a lot of debt due to being foolish when i was younger - not finding a permanent job and relationship breakdown. I have been trying my best to pay it all off but more and more debts turn up and it feels like a wave taking over me, i've been on an administration order but now it is all getting on top of me…
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HELP!! Aktiv Kapital
Hi I would be very grateful for some help if any one can???? I had a credit card with MBNA that I couldn't afford to keep up the payments on, I set up a plan with them to pay them £23 per month and they stopped all interest and charges. This was fine and I was managing to keep the payments going. On 13th March I was…
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How long will my credit rating take to improve?
Hiya moneysavers :o Am wondering if anybody can help me...I got myself in a mess at 18 with debts so am on a DMP and will be debt free next year. I'm 25 next month and me & my boyfriend have been together forever so one day are hoping to save and buy a house but obviously with my credit at the moment (or anytime soon) that…
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Have I had my LBM?
After struggling every single month probably for more than a year now, lending off Peter to pay Paul, getting into the vicious circle of payday lenders and sticking my head in the sand, after a couple of posts on here and lurking for a while, gathering as much information as possible, for which I thank you all, I have…
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Credit Report on it's way... Not what?
Hey everyone After excellent advice of here, my credit report is hopefully now on it's way, I don't know what to do now though? Is there any letter templates on here so I can write to my creditors? Is it worth paying the small ones off first? I am really worried that because I have left them for so long the interest…
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Old mobile phone contract
Hi, Not sure if this is the right place but here goes. My husband has just recieved a letter from Lowell about a vodafone contract he had 2-3years ago, he was in dispute with vodafone about this due to incorrect charging for usage abroad. The last we heard vodafone were still looking into it and that was in 2010. Lowell…
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Will my defaults be cleared if I pay them now, or if I wait a year?
Hi all, Like a lot of people, I made some poor credit decision while younger that have haunted me for a long time. I checked my noodle report recently and noticed I only had a 1/5 score (rubbish) due to 3 defaults I have on my file. The largest is only £580 with the others being around £50 each (I thought I had paid off…
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New and need help please
This is my very first post on MSE. I need some help to work out how to pay back a lot of money that I owe please. I no longer work due to health reasons, and at 59 probably won't get another job now, but do have a small pension and my husband gives me some money by standing order each month. I have tried to apply for bank…
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What next with Canada Square Operations?
Hi I requested an SAR from Canada Square Operations back in early March. At the end of April my £10 cheque was cashed. As the 40 days were well over, I sent a final letter before action two weeks ago. I have just got back from holiday and I have received nothing from them. Any advice on what I do next? Thanks.
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Faster way of clearing existing debt
Hi everyone, I've currently got £5,350 of a £7500 personal loan left to pay (2 years left) and was wondering what the fastest way to clear this is? I've spoken to the bank and they're VERY unhelpful once they find out I don't want to buy anymore of their money. They've offered me another loan, but the interest rate is…
