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Received summons after paying council tax
Hi all, I was hoping for some advice. I have received a letter for a court summons even though the final letter that was issued on 15th May said we had 7 days to pay and we paid on 21st May. It was paid for by a new housemate but she did not get a receipt. To add to this, I have 3 new housemates and the old ones all told…
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Credit Expert/Experian - Absolute Bandits
I simply cannot belive this company is allowed to operate in the way it does! I used to have have access to the Credit Expert System as part of a third party packaged account and found it quite handy. Some months ago I closed that account and so at the same time finished my subscription to Credit Expert. I called them…
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What to do now ? Re full and final offers
Hi everyone, I am hoping you might be able to offer me some advice?! I recently called my creditors to see if they would be open to settlement. Just worried that it might of been the wrong thing to do! They all said 75 % straight away including original creditors and DCA. I plan to make offers in writing but not sure where…
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Friday 24th May - What small DFW things will you do today?
Friday 24th 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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Wrongly summoned to court for council tax
My flatmate and I are full time students and therefore exempt from paying any council tax. We recently received an overdue payment warning for the whole year 2013-2014, which turned out to be due to the fact that we had forgotten to renew our exemption. The day after, we personally handed in updated student exemption…
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Callcredit/Noddle/Barclays Credit Manager cannot find me - advice needed
Hi all, I have a question regarding my credit files. After Martin's show I checked my credit files with Equifax and Experian and they had every current account, credit card, loan under the sun listed, so I was happy. But a month earlier I had joined Creditmanager which is a credit profile service by Barclays offered…
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guilty of brushing under the carpet
having split with my wife last year i've spent the last few months trying to clean up the financial mess that we were in, not that im passing her all the blame but she is financially out of control, and im not great with money, so i kind of got used to the debt letters comin in and basically getting filed under S for…
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Letter template urgently needed please
Hi, ill keep it short, my hubby has an on-going dispute with vodaphone and now he has received a letter from crapquest demanding money, is there a letter I can send to them to get them to back off while there is still a dispute with vodaphone ? any help appreciated
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Things getting on top of me again
Hi everyone It's not that I'm getting back into my old ways, but every so often the pressure of the debt just creeps up on me and I feel stifled. With some great advice from people on here, I managed to arrange to move home by negotiating with Payplan and I am going to need to contact them soon to give them my new…
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Feeling Focussed
small changes I have made are working and I can see my debts reducing I over paid on my argos card last month and managed to save £45 in estimated interest, I also had a PPI payment paid and I paid it straight off my Credit card so thats 1 down!! I have been reading all the posts and have taken some good advice from all…
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still charging interest even thou on dmp
hi guys a friend of mine has been on a dmp now for a good six months she contacted ccs who organised a dmp for her , she hasnt missed a single payment however she recently received a statement from one of her creditors (i think its called very ) who have still been charging her interest she contacted ccs /step change who…
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Transfer of equity & debts
Hi I'm not sure if this is the right place but I would like to know if there is any sort of legal document myself and my ex can sign. We split up nearly 2 years and have tried to sell our house knowing that once we'd paid off the mortgage and our credit card debts we would still come out of the sale with £5K debt each.…
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Advice needed :)
Hi All, really hoping i egt some good info from you all! Ok, down to it... £3000 lloyds overdraft £590 wonga embarassed: £1600 Lloyds credit card £1900 Capital one All getting very much on top of me. especially after being made unemployed in october. Lloyds are useless, offered me a reducing overdraft at £60 a month, only…
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Allowable Mortgage Expenses
Hey all, I have organised an informal plan with my creditors to pay back my debts over time, and got them down from around 80k in 2009 to around 28000 today. I have a change in circumstances, and I was wondering if I could include some kind of deduction in my SOA for payments to an ISA to start offsetting against my…
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How can I find the bank or employer of someone I sued in Small Claims?
How can I find the bank or employer of someone I sued in Small Claims? I have judgment against an ex-tenant who broke her tenancy agreement and now owes me a couple of thousand pounds. However, she is refusing to pay, and the bailiffs have been unable to identify her at her home. I can request an order for the monies to be…
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Debts spiralling
This is the SOA for my 26 year old son, separated from his wife so the child payment is Child support. Step Change advised him to do this budget some time ago, but also included lots of items like clothes etc, that he says he doesn't buy so has left out of this one. They say if he does an offer letter, he will be paying…
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Threatened by college?
Hello, I need some help regarding a facebook inbox I received. One of my tutors at my dance college has inboxed me saying I owe £800 for a term I didn't attend. I had attended the college for 2 terms- and had to leave due to unforeseen financial circumstances. The college is a bit like a university- however all fees have…
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Full and Final Settlement
Need some advise please. I have a debt with Idem services in Solihull that was passed onto them by my original creditor. I owe £3,800 and have three times now offered a !!!!!! each time being refused. The last amount was for £2900, which i thought was quite fair. So imagine my disappointment when i received there rejection…
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oh my head is such a mess
Today I decided to ring up the RBS ppi concerns team as I had a letter that I was being awarded X amount of money, dated 12th April 2013, as ppi on Natwest loan was mis sold to see if it been paid off the account balance (as it is currently with Wescot debt managment paying combined loan and overdraft). They told me to…
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Don't pay this months debts..good idea ?
I started a new job a couple of weeks ago and because of the interruption in steady income, I have a bit of a cash flow problem. I have debts with 3 CC's and 4 catalogue companies. I have been very careful with my spending this month and have managed to continue to make the minimum payments on them all so they are all up…
