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Equita bailiffs & council tax
I'm trying to help my neighbour with a council tax/bailiff problem, and I need some advice please! My neighbour is 59yo, self employed, very low income (£7K p.a.), renting privately, gets about 60% council tax reduction due to low income. On 14/04/2013 she received a Bailiff Removal Notice in her letterbox from Equita,…
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Step Change advises £1 month
Step change debt charity have advised me to pay £1 per month as a token effort. I have gone through all my income and outgoings with them. They say as all my debts are unsecured my best bet is to pay £1 month as that is all I can afford. But will I do this forever? How can I get the debts writen off? Or ask them to settle…
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Shop direct debt
Hi, I'm new to all this forum-mess so apologies if I've put this post in the wrong place. I have stupidly built up £4000 on a Very account (shop direct) and am having trouble meeting my minimum payments every month as they go up and down when buy-now-pay-later's come into effect. Is it reasonable/even possible for me to…
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Full and Final Settlements
Hi everyone, I have 3 debts with DCA's that are very old and are no longer showing on my credit file or affecting my credit rating, my credit rating is now gleeming and I want to keep it that way. I am paying regular payments to the 3 DCA's and am now in a position to offer them F&F settlements. My question is, by doing…
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template letter needed
Sorry - I did a search but couldnt find the one i need My brother has 2 defaults on his Credit Report - both are for a "shopper cheque" (?) One is marked as satisfied. Both defaults are from 2010. Lowell has been trying to contact my brother about this (Brother thought they were both satisfied and the company he got the…
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Being too generous and how to stop?
I know this is probably the wrong board but: Both me and my bf have debts (Mine is a £700 CC 0% until dec 2013 and have a budget plan - CC will be paid off within 5 weeks) bf lives in his OD, no budget, no money. I ALWAYS seem to end up paying for everything and im getting fed up of it. I always feel bad that he has no…
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Anyone on a dmp got a Santander 123 account?
Hello Currently have a Barclays Basic account, but think we also don't own money to anyone in the Santander stable, although currently on a Payplan DMP. Anyone know whether likely to be accepted for the Santander 123 account if we don't apply for credit? We clear about £3.5k income a month . . Thanks very much Rebecca
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At Last!
Having been a member since 2007 and finding this place for probably the same reason as most of us, I've been working on my own self inflicted debt (as you'll see from the signature). I have to say that seeing people making announcements of being debt free has been really motivational and at last...I can add myself to the…
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Thursday 16th 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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Negative PayPal Balance (Pretty High)
Hi, My PayPal Balance is currently on -£800.00 as of today. This has happened because I was spending using eBay/PayPal when I had funds in my account but when PayPal went to take it (A week and a half later), the funds had already left my Current Account on other things resulting in my Negative Balance. On my PayPal…
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Struggling - whats my next move
hi 1st time post, been looking at debt management all last week but dont know what my first move should be. I earn -35-40k per year, home owner with approx £90k equity, and 50k outstanding on my mortgage.. mortgage with nationwide have around 20k of debt on 3 cards ( virgin, nationwide, barclay card), tesco loan, and a car…
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Full and final settlement
I have had defaults since 2009 on £30 000 of debt and am now offering a full and final settlement on all of them. The sticking point is that I wanted a zero balance on all my credit files and marked as fully satisfied, but they are refusing to do this saying the balances will remain on my file and partially satisfied…
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Grrrrr8 news!!!
Just had an update with CAP and they have realised that they accidently duplicated one of our debts and have it down twice, once with origional creditor and once with DCA. they ahve been paying the dca and the origional creditor has just refunded to them our last 2 payments and explained that it is with the DCA now. LOL we…
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Credit file forum?
Opinions for the team? Can We have a Credit File Forum Please respond on linked thread, as this one will not stay here.
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Virgin Media Defaulted Me?
Im not sure where to post this so ive posted it here as its kind of debt related. The situation im in at the moment is, I used to work for Fujitsu which is a contracting company to Virgin Media. I was on the staff accounts, However, I left in September and Fujitsu told me they would be informing Virgin Media that I left…
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sample letters to debtors asking for intrest freeze
Hi there, Im looking (on behalf of my dad) for templates/sample letters to send to credit card companies to ask for help with managing his payments. A recent relationship break up has left him off work sick and struggling to pay several credit cards. I dont know the details till i get to see him this weekend but I know…
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SOA - Back again (with my tail between my legs!)
Hi all, I was quite a keen visitor to MSE a few years ago. I got my debt under control, although I didn't quite get rid of it since I took a break from the over payments to save to get married. Since we got married, we've got really caught up in "keeping up with the Jones'", we've had some great holidays, bought some fancy…
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template letter for finding out bank account charges...
Hi, I was reading in a post about being able to request a list of charges paid without actually paying for statements... Can't find the post now.. Anyone have a template letter or other advice about this?? Thanks
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No washing machine! I'm in loads of debt! and stuck.
So my machine machine has broken and this time it's gone completely, I did have a scare about 2 months back with it. Anyway I'm in debt and don't know what to do. Does anyone know anything about which is the best one to get? Our dryer also broke! and we do need one for emergencies! Do washer dryers work and what can I do…
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Debt Free - but LloydsTSB still causing me bother
Hi, I am very new to this site, and wish I had joined years ago. I am currently debt free thanks to a Debt Arangement Scheme (DAS), this saved me financially and now I am more savvy with my money. Although, I have many problems with LloydsTSB. During my time in DAS I was never given a statement, so I never knew where I…
