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Sat 4th/Sun 5th May 2013 - 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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At what point....
do you decide to give up on taking full responsibility for your debts and opt for alternative options? Looking into this and would appreciate other points of view. I'm trying extremely hard to pay off my debts leaving me and OH with very little disposable income but have heard personal stories from others with the same…
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AQUA collections calls
Does anyone know if aqua collections will call you on the weekend or bank holidays? They have rejected my dmp offer through step change as they can't agree untill 9th May once the card has not been used for three months. I have written to them twice asking for all communication to be in writing only, have spoken to them on…
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our first steps
we've missed two payments on our nat west credit card and phoned them up to say we will probably be late paying the third. We can only afford the minimum on a 10k balance They were all very nice about it and said they would send a letter asking for our income and outgoings where they would then send it to a panel to…
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Capital One
Unfortunately i have lost my job so i am trying to cut back on repayments.Called capital one who sent me out a budget form but they also asked for me bank statements for the las 3 months. The question is : Do I have to send them my statements or will just the letter stating how jsa i am getting will be enough?/ Many thanks…
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Help and Advice please
First of all, hello I am new to the forum. I am seeking advice on settling some debt. This isn't a case of me saying "a friend is in debt" when it is really me... I am a third person in the whole thing trying to help out. The debts are as follows - Barclays loan - £1600 Barclays credit card - £3600 Financial claims company…
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can anyone give me advice
i had a car loan which defaulted and dropped off my credit report in 2010. it was never fully paid off by me. anyway to cut a long story short i never heard anything else but have now had a letter from Hilliesden Securities saying they have taken over the loan from Black Horse and 'we will start reporting against your…
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forgotten debt...dont worry or pay up
Hi, I had about 10k on a credit card which doesn't show up on my credit record at checkmyfile.co.UK. all my other historic credit card and previous debts do at all my previous addresses. I'm on the electoral role at my new address , have been for over 2 years. Old cc registered at my ex's address ( she has since moved). Is…
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Debt after 9 years
Hi, I'm wondering if you can shed some light on a situation I have? I took out a credit card on 19/01/2004, I never paid it and didn't hear anything from the company after a while, however I am now getting letters from a company called 'Lowells'. They are threatening me with taking me to court if its not paid and…
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Jacobs Certificated Bailiffs
I owed 297.50 to the council, and they forwarded me on to Jacobs bailiffs, i arranged to pay £25 a week. Which would mean 11 payments of £25 and 1 payment of £17.50. I thought it would be easier for me if i paid the £17.50 first so i wouldnt get muddled up with the payments. Today, i got a letter saying.. You havent…
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Set up new DMP, now letter from APEX?
Had a DMP, but payments stopped (my error). I had moved so tried to contact creditors by letter to explain but no one would accept my new address and said I had to phone them. Which I wasn't going to do. Last week I received a letter from APEX essentially saying Barclaycard had asked them to retrieve the debt and they knew…
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CCJ issued and don't owe the money
A CCJ has been issued (against my Sister in Law), which has been contested but to no avail and the court says she still has to pay the money WHICH SHE DOES NOT OWE. An ex business partner has applied to the court for this CCJ creating invoices that are fake. I am sure this is fraud but we just don't know what to do. We…
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Moorcroft Reply to CCA request
Moorcroft replied to my CCA request with: We have forwarded your request onto our client 'Britannica' and will forward you the information in due course. We have put you account on hold and suspending our collection duties until this information is received. Then went further on to state something about legal action etc.…
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help baliff coming today
recently due to unforeseen circumstances my father in law was made homeless and now spends some nights at mine and some at his daughters until he can sort himself out. yesterday a bailiff turned up at my door for my father-in-law for unpaid council tax the bailiff has told him they will be back at 5pm today to remove goods…
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Frodo in Administration
Hello All I currently have an overdraft account with Frodo Financial. I only found out today the company has gone into administration. What is going to happen with my debt please? Someone has told me I will have two months only to repay my debt. Is this true? Any advice will be greatly appreciated
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Paying off loans safely
Hello,I have to pay off several thousands of pounds worth of debt with a lump sum.Its not my debt but a family members,its his lump sum from an industrial accident which thankfully he has transferred into my account.Its not enough to pay off all his debts (gambling debts) but it will go a long way to getting there 8Kplus.…
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Friday 3rd May 2013 - 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Advice re DCA's
Hi, I'm looking for some advice re DCA's and their charges. My sister had a debt of £6700 sold to a DCA this week. It was a shock as she was expecting to be given a chance to pay the creditor, but they sold the debt on before giving her a chance to pay it. She is going to borrow the money from family, and can therefore pay…
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1 debt v 100 days challenge part 12
I'm delighted to see you all again! Welcome in the challenge , there's a one and simple rule here: find an amount of debt you want to pay off and do , whatever you can to pay it off within 100 days. These challenge starts 6th May and finishes 14th August. If you want to take a part in this challenge , please write your…
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Banks or my fault concering overdraft?
Please help guys! I don't have an overdraft with halifax as I don't require one. On Friday I paid in some money into my halifax account using my llyolds current account. After about 15/20mins I transferred the money back into my llyolds account. I then recieved a letter on tuesday saying I used a unplanned overdraft and…
