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bryan carter full and final question
Hi, just a quickie, i'm dealing with bryan carter on an issue with EE and an old t mobile account. ( now in a state with a notice of warrant of execution ) Bryan carter told me they would suspend the warrant for 30 days but they didnt and we had the court officer round, luckily he was a very understanding guy. This is now…
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Dealing with a credit card bill
Apologies if this is the incorrect place to post this, kind of new here. :-) I have amassed a credit card bill (around £7500) and am currently paying around £200 a month towards it. As you can imagine most of that is going on interest and my bill is not going down very quickly. I can't really afford to pay more than that…
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Bad Credit Loan Experience Anyone?
Hi, I'm in a sticky situtation. I borrowed my boyfriend's car and had an argument with a wall. I need to get it repaired and pay for it to be fixed. He is insured but doesen't want to impact his bonus. The problem is the damage is looking in the region of £1,500. I need a loan but I have bad credit (3 large CCJs). I have…
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General Debt Questions
Hi, I'm a newbie so please don't give me a hard time :-) I've been on a debt management plan with CCCS for what feels like forever! Debt currently stands at about £10k and original balance was £20k so half way there! Have been having babies recently and need to crack on with paying it off. My questions are: 1. When are…
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Mobile phone contract troubles
Hi all, this is my first post so please forgive any amateur mistakes. I went into a shop on the 20th May to get a mobile on contract. I was successful. After receiving the phone I could not connect to the network. I called the network provider once and was not given any help as the support staff member did not know how to…
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Mobile metwork debt possibility
Hi all, this is my first post so please forgive any ametuer mistakes. I went into a shop on the 20th May to get a mobile on contract. I was succesful. After recieving the phone I could not conect to the network. I called the network provider once and was not given any help as the support staff member did not know how to…
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ARC Debt Recovery / Virgin Active
Earlier this year I cancelled my direct debit to Virgin Active as I was moving flat and had not been for a few months. Perhaps I would have switched branches but the terms were not the same and I had missed the '17th of the month' cut off for cancelling. I ignored a number of calls from VA to pay the £49 and this has been…
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Lowell - special offer - 75% off
I received an email today from Lowell offering 75% off an existing debt. Is this genuine or is there a catch somewhere?
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Next move?
Ok, so over the last few days I have had one text message asking to call Red Castle, a letter from a CC saying my debt has been passed to BCW, this morning I received a letter from BCW - GOthia - Red Castle, it seems they are all part of the same group Anyhow, the letter details one CC debt stating my account is…
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Payments to DCA for another DCA but no CCA
Hi folks I've been trawling through loads of great advice on here but I'm getting myself a little tied up on one of my debts and would appreciate some advice please. I had a credit card with CITI (a Shell card) and was making normal payments up to 2009 when I started my DMP. I was contacted several times by CDU UK (nasty,…
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Urgent advice please
I have a court judgment with black horse and have been paying as i should for the last few years not missing any payments etc . Today i have had a letter of black horse to say the debt has now been sold "can they add anything to it?" to lowell and i am to contact them to set up a d/d or pay off in full . The debt it states…
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Wed 22nd 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 feel that we are not making the same amount of progress, when…
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Noddle/Experian/Equifax
Hi just logged on to noddle for the first time and it is saying my rating is 3/5 which surprised me, never been knocked back for credit, all bills paid and up to date, on voters roll, i have a mortgage and no loans, have credit cards two (total 10k) my bank automatically keep upping my limits automatically which i keep…
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Seriously thinking about cancelling experian
Hey, I posted earlier regarding my stress over repaying debts. In a nutshell we are paying off a fair chunk of debt over 24 months but I am constantly worrying about it. I have got into the habit of constantly checking my credit report on experian. This is driving me mad as it not always updated and accurate. I am…
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Credit Card - statute barred/write off
I took out a credit card about 8 years ago now and was young. I was in work and only had about £300 on it. I was paying the minimum payments, which now I'm older, realise this wasn't doing much, only clearing the interest mainly. I was then out of work due to ill health and then claimed jsa for a few months. I had called…
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Lowell/Red and Capital One
Hi, I received a letter from Lowell demanding I make payment of £90 for a Capital One credit card from 2003. I called Lowell and and after confirming my details I told them I could not remember ever having a credit card with Capital One.. They had the account number from the Capital One account so I asked them to send out…
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warrant of execution electricity company installed pre-payment meter
Hi guys, Wonder if someone can clear a few things up. I fell into arrears last year with electricity provider - Npower. We cam to an agreement on a repayment plan but unfortunately as I am self-employed I defaulted on payments again. Npower then refused to budge. They wanted to fit a pre-payment meter. My son's use of the…
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Best way to clear overdue loan?
Hi, I'm looking for advice regarding a loan I've had under an arrangement to pay with a high street bank for some time now, and I'm unsure of the best way to repay it, in terms of my credit rating. The loan was originally for £15,000. I was made redundant within 12 months of getting the loan, and found it difficult to…
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Finally on the right track! (I hope!)
I just wanted to share my happiness for the day. I have been on and off these boards for about a year saying I would sort myself out but never did........Well today I feel I have made some big steps! I have 2 credit cards: Natwest - £2459 Barclaycard - £7100 Today I cancelled my card with Natwest so I am never to spend on…
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Where do I start?...
Hi all, After months of worry and stress, I've finally admitted to myself that I have an issue with debt at 22. It's a long winded story so let me begin... It all started with a new car purchase in September 2011. Previously I had only bought what I could afford and not used any form of credit. However, it was my 21st…
