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Ever been OWED money by a debt collection agency?
Last summer i bought a laptop from QVC on their flexipay credit. To cut a long story short i lost my job a few months afterwards, fell behind on flexipay and QVC referred my account to Moorcroft debt recovery, i arranged a repayment plan and as soon as i was back in work i did the responsible thing and called up Moorcroft…
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No wages for 3 weeks
I finish my job on the 26th and get paid on the 27th which is fine.my new jobs start date got moved from the 29th may to the 16th June so for that period of time I won't be earning which is what concerns me.
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Council Tax Vultures
Back in 2006/07 my flat mate and I got behind on our council tax before he cleared off leaving me with the debt. The council passed this debt onto Equita bailiffs who began harassing me for the money. I paid them off in 2008 for what I was told was a full and final settlement (though I no longer have the letter). Five…
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made a major sacrifice to sort things out.
hello. i have been burying my head in sand forma while now re debt. hoping that things just sort themselves out.... as they always used to do but there comes a day when they just don't anymore. i have got to a point now that i cannot meet my payments on my debt and last month for the first month ever i missed a couple of…
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BLS collections
Hello, I have a debt which is over 6 years old, it has been removed from my credit report. I have been paying the debt now for over 6 years and continue to pay it. My question is, BLS have offered a 75% settlement figure, which if I accept, will anyone else chase me for the remainder 25% at anytime in the future & as this…
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Default help - Merligen Investments
Hi... Thanks for taking the time to read. I will try and keep it brief and straight to the point. I entered into a finance agreement on 21/11/2007 with Clode Retail Finance, now V12 Finance, (dabs: computer I think) for £1013. I kept up repayments of £26 a month until March 2009. Checking my noddle credit report it shows…
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advise with setting up a back-up account
going to cut a long story short, about ten years ago (just turned 18) i got a couple of credit cards and lloyds tsb gave me a £1000 od when i lost my job tsb removed my overdraft facility and i couldnt pay my credit cards or overdraft back, after a few months they all defaulted and that was that. now im a little more…
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Not so bad after all
First DMP payment is made, just waiting for it to be distributed. The reason for my post is that things are much better than I ever imagined. We owe a shedload more than most people on this forum but I have contacted the creditors when I have letters and they have been really helpful. The people I have spoken to have all…
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focussed and happy!
I am feeling very focussed and the last 2 weeks I have paid £262 off my argos card as I had 3 plans due to finsh this month last £50 to be paid next week then I wont have to pay the £45 estimated interest.
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Please help :(
Right... here goes! We have got ourselves into a wee bit of mess and i want to try and resolve it and i am looking for advice on the best way to do this. Our debt is as follows: £2000 on credit card £2000 due to my dad £1000 due on existing loan £200 due on student account overdraft £1000 due on current account overdraft.…
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Credit File Clear Up
Hopefully someone has some experience of this. I have 4 CCJ's on my credit file that have a status of "judgement" and one "satisfied". All have a zero balance (with a lot of help from this forum) and i want the status to be amended. Does anyone know what the court accepts as proof that it is paid off? I have letter that i…
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Cheque centre question
Hi there just a question incase anyone has any experience of this but my partner has a loan with cheque centre and he has stopped them clearing his account every month via the letters on here which were v helpful. now they texted him this week and said they would accept a payment of £390.00 to clear the loan , he rang and…
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Newie trying to sort out finances
So where do I start? I've been been lurking on the boards for a while now and from what I can tell my situation isn't as bad as some and is worse than others, but all the same it's giving me a constant headache. Background of my financial stats: I have no savings, about £2800 on a credit card, a £4500 loan that was planned…
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Council tax bailiff coming back Thursday for money i cant afford!
I am so stressed out and worried, a bailiff came to our home and has said I must pay £420 by Thursday (half the debt) and then the next £420 by the 16th June to stop them seizing our goods. I have phoned stepchange debt charity but cant get an appointment with a debt advisor until next weds, what do I do? Do I phone the…
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Help with Mobile default / ended contract
afternoon all, just looking for some advice on the following: checked my bank online for the first time and it would appear that a mobile bill i cancelled over a year ago (by phone) has been still being charged. i remember at the time of cancelling that i also requested that the dd be stopped, this has lead to a default by…
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OMG! Is there an alternative?
Here's the history. Over the last few years I've built up a significant amount of debt, overdrafts x 2, Energy Bills, Credit cards and payday loans. At present, the bulk of the debt (about 49k) is on my credit file and I'm not paying anything, nor am I getting chased. Think they're tired of me. Debt Management or an IVA…
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Equitable Life and an AVC pension
hi. i was medically retired in 2002. at that time i received a pension from my employer. i had also had an avc with equitable life worth £22000 at the time. as i had no need of any extra income at the time i left the avc intact. in late 2005 i saw an independent financial advisor, yorkshire investment group,by which time…
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Time to sort things out...
Hi All I have been in a large amount of debt since 2005 (near £30,000) I contacted (what was) cccs back then and started a dmp. As a couple of years went on circumstances changed and after more advice they suggested I declare myself bankrupt. I stopped dmp payments(I have now assests) and since then only received the odd…
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capquest want money for paid debt
i recieved a letter from capquest saying "we regret that you have not responded positively to our previous letters." basically the letter tells me they are pursuing legal action through the courts. this is for a purchase from shop direct financial services, for £707. i vaguely remember the name so i rang them up and they…
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Credit Card - Debt Collectors
Hi all, Please help... Last September we took out a credit card with Laura Ashley to get a 10% off deal. We came away from the shop with a credit card agreement and £50 worth of goods. Since then we have received nothing from them, no cards, no statements, no letters or phone calls... To be honest we forgot all about it…
