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CCJ about to expire - options for remaining debt
I have a CCJ from a loan with Northern Rock (now passed to NRAM) which is due to come off my credit file in July. I still owe about £20K and am paying monthly about £40 as set by the court in 2007. I am wondering what my options are with this debt as it's going to take another 15 years to clear at this rate. If I were to…
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Plodding along, foolishly (still!).
Hello MSE, Around 2 years a go, I spent a lot of money to make me feel happier (and have nothing to show for it) and then more problems occured which eventually led me to becoming very depressed - I ignored the problem, the letters and the calls until it was too late. Then 1 year ago (almost to the day!) I discovered CCCS…
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Mackenzie Hall debt collectors - Help!
Hi everyone, I would really appreciate some advice from any of you who know about these things. I had a text message today that did not include my name, asking me to contact Mackenzie Hall, providing me with the phone number and giving a reference number for me to quote. Confused, and before doing any research on the…
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Need advice
Hi 1: I started having issues with a debt collector mid 2009 2: Advised debt collector that my 2008 credit file was clear 3: Debt collector searched my credit file 4: Debt collector informed me that I had a CCJ in 1989 5: Debt collector told me a Judgment is active and enforceable until settled 6:In 2009 I received a SAR…
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Frivalous CCJ claim.
Hi, this is my first post here and I have come across this site when looking for advice. I will try and stuck to the basics and important parts of my problem in order to be clear and get the best responses. I have recently been looking to get a new family home with my partner of 3 years. We have a new baby together and we…
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Debt - Advice please
I currently have 6 outstanding payday loans (been rolling over month to month by just paying off the interest each month) (about £2000 in total) I have an overdraft of £750 and my balance is currently -750. I have a credit card limit of £400 which is currently maxed and probably over limit due to late/missed payments. I've…
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RE debt help
i am in such a trap i dont know where to begin... is there such thing as a 'credit repair system'?? it all started 8 years ago i have lived in about 12 houses/flats in the last 8 years, moving all the time because i got into debt, you name it mobile phones, loans, credit cards, catalogues, and not just one of each there…
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Could someone give me some clarification please
Had an account with Natwest. Account was defaulted on 18/4/2007 so should have drop off date of 18/4/2013. Checked Noodle, Experian and Equifax this weekend to confirm account no longer showing. All gone on Noodle and Experian but now saying 6 months arrears with Equifax as of May 2013. Same start date but now updated…
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Monday 27th May - What small DFW things will you do today ?
Monday 27th 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. But once we have done the bigger stuff, we often…
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Debt Advice
Dear All, I have a debt of around £4000 for credit cardds/overdraft with a high street bank. I did not hear from them for 3 years but recently I recieved a letter from them stating that my debt had been sold to a debt recovery agency. I am currently employed but I am paying personal debts (from friends) which I incurred…
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Increase credit rating and CCJ - Welcome Finance!!
Hi Mods - please move if in wrong section or forum. Im 26 years old now and looking to get a mortgage in the next couple of years and currently saving hard for a deposit. I have what I thought where two CCJ's against my name and a number of defaults leaving my credit score absolutely terrible. After rechecking my credit…
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Can't spend Money!!
Hi. I finished a two year DMP at Christmas. Being in debt and having a lightbulb moment was a very low time for me. Losing my car hurt most, and not renewing my smartphone contract. Thanks to Payplan, the MSE forum:money: and some help from my wife I made it through though.:beer: Trouble is now, I am unable to spend. Since…
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Solution?
Would this be a good idea?.... If we sell our house we could make about 25-30k on it. We could use that money to become debt free then we could rent for 12 months while we save & look for our dream house that we could afford because we're debt free?? I can't see the downside of this but I would definitely welcome a devils…
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self sabotage, struggling and teenagers!
So I've been on my debt busting journey for nearly 2 months and its getting hard!!! I know there are some hard core debt busters on here but I'm a long way from that place and I think perhaps for now I'm being too hard on myself. Things I have learned on my debt free journey so far: If I make additional payments at…
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Mortgages On A DMP
Just wondered if anyone had any experiences with mortgages whilst on DMP? Sadly a few weeks ago my gran passed away and i'm looking into buying her house from her. I already have a mortgage with the bank of scotland (with good record, never missed a payment) but im looking to borrow a bit more to purchase my grans house. I…
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Can't sort it out!
So after getting debt free 2 weeks ago I genuinely thought I would of learnt my lesson after paying back over £18,5k worth of debt. But these past 2 weeks I keep "spending" my money, loads of ideas and wishes, but the money doesn't come in quick enough. I was ideally able to save £400 a month now, but as I get paid…
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New and terrified!
Hi everyone, Due to changes in income over the last couple of years my dh and I are no longer able to keep up with our debt repayments and are having to use more credit to survive. I finally had a meltdown about this last week so we've been in touch with stepchange and have a start date on our dmp for the 1st of june:eek:…
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Switching bank accounts
I read on here, somewhere, that by changing your bank account and having your wages put into another, you can gain some control over how much goes out monthly through debts. Has anyone done this and been successful with the companies once they started phoning for their money?
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Defaults on credit file after 6 years?
Hi all I have a default on my credit file and on my credit report the default date was 9th June 2007. Im aware that defaults stay on your file for 6 years and 6 years is up in the next few weeks. Can anyone advise what actually happens when a default is removed? if i get a copy of my file on say 10th June will the…
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Help With Frozen Interest
Hi MoneySavers! I really need some help, I have an account I am paying off and they froze the interest for me. But this morning I received a letter saying the interest is now reinstated, is there any way I get them to re-freeze it? I called them and they were very unhelpful as always. I even prepared a new Finacial…
