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Defaults on Credit File
Hi there - I am with Payplan and have been for a good few years. y debt has been over halved in that time with I likely end date around 4 years or so away, when everything will be paid off. I could also potentially look at settling all debt with their settlements team. However, that's just the background - what I would…
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Odd question
If I move house and open a bank account at a new address, can DCAs get my new address from this? I ask as I have plans set up with 2 DCAs and they send statements to my mum's address. I plan on keeping these going to completion, but have moved in with my partner recently. He knows I have debts, but also that I'm paying…
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Wescot SPV Ltd
My wife received a letter from this company saying we owed £327.50 to Littlewoods. Strange thing is we never have had anything from Littlewoods, plus when we phoned Wescot we asked when the debt was from they said 2001, so asked was it from the current address that was on the letter, they said yes. I told them that the…
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Is a credit limit increase offer indicative of an improvement in credit rating?
Hi all, I have £15k's worth of debt that I am slowly but surely getting to grips with. I used to bounce my credit card debts to new 0% interest deals once the previous had expired, but over the last 18/24 months I have been rejected for new cards, presumably as companies have been more careful about allocating credit. I…
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Help please. Next debt
Morning all. To get straight to the point, I owe next around £1000, and pay £100 every month. We've had a horrible year since my Husband was made redundant but muddled along, however i'm now really struggling to keep up with the payments on this (and Argos card £350) The APR on both of these accounts I believe is 29.9%. I…
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enforcing a CCJ
Hi, I am hoping there will be some experts online to help advise. I am an individual who is owed money by an ex 'friend'. not a million pounds or great amount, but it has been owed so long that this is now a matter of principal and not letting them get away with it. I have started the process of small claims court and i'm…
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Issues with MBNA and Barclaycard entries on my credit file
:(To cut a long story short(ish), I got myself up to my eyeballs in debt years ago. I had been keeping reasonably on top of making the actual payments and in 2009 got a decent payrise and was planning to start paying some debts off instead of just maintaining them. Unfortunately my partner then was made redundant and I…
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I need to move but have negative equity
Hi, I put this in the Mortgage forum too, but i'm looking for some advice. My job is relocating, forcing me to move house but my finances are in a mess. I am in a DMP so have several defaults from 2009 on my credit file. Plus I am in negative equity because of a First Plus loan I stupidly took out leaving. Which means I…
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How do you check to see if on electoral roll???
My partner was not on the electoral roll and has requested to be added over a month ago. Where do we go to see if he is now on the electoral roll? Is there a web site? Could you post a link to this web page??? Many thanks..
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Newbie help please
Hi everyone today is the start of me trying to get debt free Firstly I need some advice I have two store cards that defaulted in 2006. I have been paying £20 a month every month until now, money has got so tight I just cannot afford this amount each month, I telephoned the debt collectors and they say they will not take…
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Mon 13th 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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I have just told my partner about my debt problem...
It really did not go well. I have just over £6000 of debt that has been mounting over the past 3-4 years. I have recently contacted StepChange for help and have been paying a dmp for the last couple of months. I am feeling so much more in control and happy with my finances, I also read a lot of threads on here about how…
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So Equifax have incorrect info, and I have to pay them until they correct it??
This is a great scam. So I have to pay Equifax a membership in order to supervise them while they correct the credit file they have on me?? That's madness, what a great scam! Set up a credit agency, get everyone's details wrong, make them pay to be a member of your service and then take weeks and weeks to get around to…
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Should we sell house to clear debts
Hello. I am been lurking for a long time and have posted in the past and received some good advice and things were starting to look up. However, over the last 6-8 months have had various major problems - partner's job ended unexpectedly and is currently looking for additional work. We seem to be getting pressure from…
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CL Finance again
Hi there I know there's other threads like this, but I am in a Payplan DMP and have just had a look at my credit report. One of my creditors, CL Finance, has recorded my payments as 6 months late for the last few years despite showing most of the previous years as green. I have another debt passed to them and that one is…
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Help With Nursery Debt Of £2253.60
Hi all, I am seeking help with a old nursery debt that currently stands at £2253.60. We put both of our boys into a nursery once my partner got better after a long pregnancy illness (SPD) and after 6 years on DLA. We started our own cleaning business and struggled to pay the £1000/£1200 nursey bill each month, resulting in…
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Littlewoods debt help
I am overdue £108 on my littlewoods it said on the statement there taking 208 on the 24th which includes arrears, a letter arrived the day before demanding it immediately/
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Bank has no record of sending Default Notice.
Hello all, I have been in process of trying to get a default removed from my account placed in 2009 when I was made redundant and fell behind on my re-payments. Firstly I would like to explain that I understand defaults are there for a reason and debt is very serious, however I was managing to pay some money a month to the…
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5 week pay months... help!
My partner is paid monthly on the 15th of every month and we are aware that monthly pay is subject to 4 '5 week pays' per year - he is paid an hourly rate and not a salary. What I'm trying to find out is in which months those '5 week' pays will occur as I'm desperately trying to plan out our finances ( to make matters…
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council tax issue
Hi, I moved in to a property in 2011 and moved out in January 2013. Until September 2012 I was a student and therefor was exempt from the council tax. I did however live with someone else who was never registered at the address but moved in the same time I did. It was an honest lapse in judgement and when I got a letter…
