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Arrow global management
Hi am 13 mths into my dmp with step change, and 1 of my creditors has pass my debt to arrow global management. Has anyone had dealings with them, so I know what to expect. Thanks
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HELP wonga fraud
Just received letter regarding a wonga loan I have never taken out. Managed to speak to them (which seems to be an achievement given other posts) and they are investigating. I have monthly equifax subscription and have received no alerts and having logged on there are no records of wonga search or credit agreement with…
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Sigma Red & HL Solicitors
Hi, I`m new to this and really need some guidance and help. Long story short. I received a CCJ 2 months ago, I didn't know what it was for and had appealed it blindly without knowing the whole situation. Anyway a judgement was entered against me so for £398, I contacted H L Solicitors and they informed me that the debt was…
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Cabot have filed a default and i have been paying them!
I have an agreement with Cabot, it has been going on for a couple of years. I have never missed a payment so you can imagine my surprise when i obtained a copy of my credit report only to find they have added defaults for the past 15 months. Knowing the problems people have had with Cabot, i wanted to know the best way to…
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Unaware Of Collection Agency - Joint Debt with Ex
I split from my ex-husband over two years ago. We agreed between us to divide up the debts equally. Not all our debts were in joint names in fact most were in his name alone, but they were acrrued during our time together so I take half responsibilty. My half of the debt is being paid via a secured loan on the house I have…
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Cancellation of DD
Hi all, been missing from the forum for over a month and could really do with a few motivational kicks up the proverbial. I managed to go overdrawn for 24 hours by purchasing something on ebay because I got muddled up with the date that a payment was going in and have been stung with a 25 pound charge. Anyway my own fault…
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Experian
Hi everyone I have received my free experian credit report few months ago showing all my closed accounts and open current account in cooperative. Now I have registered free online trial and can see closed accounts but cannot see curent coop. Anyone of you maybe know why and what can I do about that ? I bet it affects…
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CapQuest debt
After checking my credit history I've discovered that I have a debt with CapQuest. It's not a substantial amount but it's still more than I can afford to pay at the moment. The debt is from 2009 but I haven't heard anything from CapQuest at all (although I have moved a lot since 2009). The first I heard about it was when I…
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Default Removed!
Hi All. I just thought i would put a little post up regarding my ongoing issue i had with Santander about a Default that was applied on to my credit file 2010. I was never sent a default notice and only found out i had a default on my file when i was refused credit as my credit history has always been A*. I then checked my…
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Paying DCA's with a bank transfer
I have a debt with MMF that I am looking to pay £50 a month. They have told me that they want more, but if I make a £50 payment then we can talk more. If I transfer £50 to their account from a friends (I don't have an acc at the moment) they can't set up a recurring payment from that. In the past I have been scuppered by…
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CCJ query
Hi all, I have a CCJ (paid in full), which will be 6 years old this September. Also have a default account for a credit card (paid in full), which is 6 years old in September. I have no other bad debt and my credit score according to Experian, is 840, which is in the "Fair" category still. I do have a couple of credit…
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Help me get my credit rating back on track
Hello Everyone :) Me and my partner would like to buy a house together, we do not have the deposit yet, but hope to have this together by christmas. The main thing worrying me is my credit score. My girlfriends credit rating is great, but mine is not so good, so I want to get everything sorted whilst we save the deposit,…
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Its over!!
I have just got off the phone to my last creditor and paid them in full. That means that my last 6 creditors have had their full money today and I am officially Debt Free 5 months earlier than planned :) I am so pleased to of had the help from the CCCS/stepchange for the past 6.5 yrs, I know 100% if they hadn't of helped I…
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How does a DMP affect your life?
Hi. My son has been advised to participate in a DMP by Step Change. Please could you advise how it will affect him on a day-to-day basis and also longterm? I would appreciate your experiences as well? My son is 22 and would like to go to Uni. He has 10,000 worth of debt. He works full time for the minimum wage but has…
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Thursday 9th 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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Ongoing debt reduction calculator?
Hi, I have been looking around for tools that will help me to get a grip on our debts and I would love to know if there is a caculator or something where I can plug in my debts and can then deduct ANY extra payments I make, I know there are snowball calculators but they just do the same amount each month/week. I figure…
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ex-wife debts
My wife left me last yr, things got messy between seeing kids as she over 120 miles away, we have now finally sorted things out so we getting on ok. How ever I keep getting debt letters for her and phone calls on my mobile asking for her, I tell them on phone I'm longer with her and the letters I cross out I put no longer…
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Default help and advice needed.
Needless to say I got in a lot of debt around 2003 after a bad marriage and going t war at the time left the ex with the chance to run up some hefty credit card debts on my cards. Ex is gone now and I've moved on, had a few debts with lloyds and egg credit card. Also a dfs sofa which I can't ever remember having. Now all…
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Changing to a Self-Managed DMP
Hello, I have a couple of questions for those of you who self-manage a DMP. My partner has been on a DMP for a few years (started just after we started going out) with a company that charges. I have convinced him he needs to change to a free DMP by showing him just how much that monthly charge is over a year and the effect…
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Council tax
Hello, I am new to here, I would like some advice on council tax arrears, I have had bailiffs at my door and became very depressed, I have n't invited friends round for a long time as I am frightened in case they come knocking again. I have contacted the council and asked for a list of Liabilities against me. I now have a…
