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Capquest CCJ issues
Hi, Hope someone can help me. I have had a CCJ from Capquest in the passed that i paid off at the end of last year. A month or so later i checked my credit report and it was still showing as active. So i called up the Court who said that they had not yet received a " Letter of satisfaction" from CapQuest and could not help…
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high income and debt
Hey! Had a conversation at work today with a friend who is in a similar financial situation to me. Similar household income (60Kish) and similar unsecured debt levels (30Kish) Our attitudes couldn't be different. We are trying really hard to get rid of our debt asap whereas he and his wife don't think its a big deal!! Just…
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Capquest / h l legal solicitors harassment advice please!
Hi there , Haven't been on here for a while so I'm hoping I have the right answer or you maybe able to help , fingers crossed ! I have received a letter from h l legal solicitors regarding a credit card I had many years ago and too be quite honest I haven't paid for the last 6 years. I'm pretty sure I haven't made any…
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Stoptober club 2013 - Lets have another go!
I ran the Stoptober club last year, and was unfortunately one of the failures! The deal is, to stop at midnight on October 1st, and survive the month, with the health and financial benefits that come with this! I know the NHS say 28 days, but the MSE Stoptober club is 31! Lets have a go again, anyone (not just DFW'ers) can…
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Will debt management plan with step change affect me getting a mortgage in the future
Hi all, I've posted before about my current situation and a bit of stupidity on my part has left me finding repaying some of my loans difficult. It was suggested by Lloyds to call stepchange and look into a debt management plan. Now they sound great but would they adversely affect my chances of getting a mortgage in the…
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Buchanan Clark & Wells - yet again!
Hi! This is my first post on this forum, and I'm looking for advice about letters received today from the above company. To provide a bit of background, my husband and I retired in March after selling our retail business, and we have no debts. Today the chap who bought our business forwarded (a few weeks late) three…
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Attachment of Earnings
Quick note to people here, me and partner had an attachment of earnings order against our salaries a while back. when she finished work, i took over as sole payer. However, it looked like the court instructed my payroll to deduct the entire amount even though we had paid an element from wife's pay. The creditor, a weasley…
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Small Claims or Lost Cause?
hi People, The ideal place to post this would have been in the CAB forum, but I saw some similar posts got moved here, so apologies if this is not the correct place. Here we go: A couple of months back a lady reversed into my car in a shopping centre car park. I took her mobile number and called later that evening. The…
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I need help!!
Hi guys Apologies if this lies in the wrong place but this is my first post, and I AM a debt-free wannabe, so... Anyway, around 10 years back, when I was a dumb carefree student an had no foresight regarding future credit and mortgages,etc, I over drew my current account, to the tune of £11-12, and, after leaving my job…
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Statement of Account Link
Could you please give me the link for the SOA calculator? :(
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URGENT HELP NEEDED PLEASE - Equita Debt Collection
Hi. I fell into Council Tax arrears quite seriously some time ago (ashamed to admit I buried my head at the time), until May this year when equita came knocking at my door. Their appalling behaviour not withstanding (refusing to show me ID even!) I ended up paying over £500 (loaned to me by my girlfriend), with an…
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On DMP - received PPI refund
Hi I have a dilemma that I could do with some help with. We have been on a DMP for nearly 6 years now with no problems which will be paid off in 2022 :( with a remaining balance of just over £58,000. We have just received a cheque from RBS for a PPI reclaim on previous loans with them for £10268.50. We have a loan with RBS…
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Update. LCS says I own EDF electric bill for my previous address
Update from the following thread, but I have introduced the background in this thread. https://forums.moneysavingexpert.com/discussion/4748163 Backgroud: I received a letter two weeks ago from a debt collection agency called LCS saying that I’m responsible for a bill payment (£1300) at my previous address. The bill comes…
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SOA completed. Desperately Need help on letter
Hi guys. After a very depressive weekend we have worked out our fincncial situation. To the tune of a deficit of -£840.04 Clearly we need to grab this by the horns and get it under control. Now my immediate worry is TWO payday loans. QuickQuid (They want 10 monthly payments of £179 to settle) I CANT afford this, and they…
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Old debt resurfaced HELP
I will try to keep this as short as possible aprox 10 years ago i separated from my partner and had a lot of debt in my name which i made token payments to my account Two years ago we rekindled our relationship and november last year we purchased a house together All credit checks so no adverse credit on my account and i…
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Debt Managers (Services) LTD
Hi I received a letter out of the blue around a week ago from Debt Managers Services LTD. It was a very vague letter saying that they were searching for someone and that they thought it was linked to my address. It also said if I didn't respond in 7 days then they would assume it was me. The letter was in my maiden name…
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Notice of intended court proceedings for £40 ?
Hello, I have received a letter from a parcel company, claiming I have to pay an extra £40 for my parcel. I should pay in 7 days or be taken to court, with them claiming more interest, court fees and solicitor costs on top. Is this for real, can they make me pay this, should I ask for some proof of my debt? They claim my…
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Rockwell debt collectors ?!!
Hi I'm new here and would like a little advise . I was contacted by Rockwell recently as I have some outstanding debt ( not alot) but still along with everything els I pay every month it's just another thing ! I had a letter saying I could set up a paypment plan which I did though a company called tressera and even had a…
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What a pickle!!!
Hi Everyone i'm after some help. I do apologise this is going to sound like a bit of a rant haha. Right: I currently live in a 2 bed house with my BF. Our house outgoings come to about £850 all together. So i put £400 into the house and he puts £450. I also have a dreaded catalogue. My parents paid the majority off for me…
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Monday 9th September - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
