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County Court advice for a Debt THAT IS NOT MINE!
OK I'll keep this short. My brother who has special needs took a lot of money out of my account and also took out some phone contracts, selling the phones. I did not realise this was happening because I was working a lot, and he was at home intercepting the mail! He has now moved to Canada. I have no inclination to go to…
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Some help dealing with the Lowell Group
Hi my dad took out a catalogue in my name and after moving into my flat have rec a 2 letters from the lowell group asking me for the money.I have spoken with my dad and he has agreed to repay it but with being on benefits cannot afford a lot.My question is how do i approach lowell about it im willing to sort it out as if…
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Repossession - now being chased for money
Hi, Not sure I've posted this in the right place. I had to leave my home when me and my ex husband split, I left with the kids and he continued to live in the house for a while. The house was then repossessed after it not selling on the market. I have never had any letters about how much the house sold for etc. In fact o…
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Time to start dealing with my problems.. help needed guys... Baines & Ernst?
Hi everyone decided to join this forum to start the journey with advice from what seems to be a forum of genuine nice people. I am going to be honest in order to gain your best possible advice. I am currently £11,000 in debt, owing such things as overdraft, bank loan, credit cards and 3 pay day loan companies. It all…
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New Debt Free wannabe
Hi everyone, I've just joined the forum after seeing what great advice others have received! My situation is that I have a mortgage and accept that, £303 per month, in a decent position there. My wife and I bring in £2200 per month after tax between us and have about £1500 going out per month. We have £1100 owing on credit…
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Start Of Debt Plan - Default Or Not?
Hi All, Mentioned this in my other thread but had no replies - suspect it's now been buried! :D I am currently setting up my DMP with StepChange, however it's not up and running yet and I have a number of payments due tomorrow (PayDay). For this first month I can JUST about afford to pay the minimum fees/rollover fees…
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Need some advice please with debt consolidation and the right way to go about it
I've got my self caught up in the viscous circle of wonga, and all my wages have been going straight away at the the beginning of the month, this month I've used wonga a little bit but I could only get £300, so I'm looking at getting a loan to get me out of all my debt and back on the straight and narrow again, just would…
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My DMP update
Hi all, not really posted on here much recently. I started a DMP with stepchange (formally CCCS) in Feb 2010. At the time I had a £4k overdraft, about £2k left on a loan and about £4k on credit cards. I've now got a year left and about £2600 to pay. The overdraft is paid off, so is the loan. It's been OK but it's taken…
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Past Due Credit & Natwest
I've had another debt creep out the woodwork that im not 100% sure how to deal with Had a generic letter from past due credit with the usual stuff. Client is Natwest and i owe £1050 or thereabouts. I had a bank account with Natwest around 4 years ago give or take and i cant remember any of the details on it except that the…
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Wednesday 4th September - What Small DFW Things Will You Be Doing 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…
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DMP Worry
Hi everyone, I have been on a DMP for a year now with Stepchange Debt Charity paying £398 a month. I had to make a reduced payment of £25, with £5 distributed to every creditor about 3-4 months ago. Stepchange was fine about this and thankfully none of the creditors reintroduced interest as a result. I just had my yearly…
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Equidebt
Hi, I not sure if this is the right place, but I need some advice. I have been making payments to equidebt for the last couple of years but have missed the last three payments because of to many things to go into here. I know they have gone into administration and cabot have taken over the debt but I still haven't received…
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Stirring a Hornets nest - Well, trying not to..
Hi all, First time posting, but I have browsed this site quite a bit in the past and there seems to be some sterling advice going around, so I wondered if anyone would be kind enough to offer some pearls of wisdom from their expertise/past experience. I have outstanding debts relating from a period of self employment when…
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Leaving Do Dilemma
A colleague is leaving work after 10 years, we both started at a similar time, she left on 30 Aug and I was away so couldn't go to her leaving do and told her I was really sorry but I'm on holiday. So I have returned from holiday to a message to say she has changed the leaving do to this Friday 6th Sept. I'm not sure…
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In need of some advice
Hello all! I am new to MSE and am seeking some much needed advice. I am currently in approximately £30,000 of Debt, most of which I have defaulted on. My main concern is a debt which is currently standing at £18,000. This particular debt started off as a Halifax current account which I opened when I was 18/19 years old…
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Response From Natwest to Prove it Letter
Hello everyone, I am new here so please be gentle. I urrently am being chased by a DCA for £550 from Natwest bank which has accumulated from going overdrawn by about £15-£20 Now I know the debt is mine but i cannot bring myself to pay this due to the fact it is mainly charges on charges. I sent the prove it letter just for…
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debt collector visiting home address?
Today a gentleman turned up at my home address and asked for *my maiden name*. Didn't say who he was or what he wanted and had a small brown envelope and a printed piece of paper (I couldn't read what was on it). I said there was no one with that name living here. He asked if that is what the previous occupier was called…
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Debt Management Plan
Hello I had contacted Brunel Franklin about PPI, but after talking to them about my financial difficulties, they have offered to do a DMP for me for free. Has anyone any experience of Brunel Franklin...are they kosher? Cheers for now DM ;)
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Urgent help with Bailiff please!
Hi I ahve an outstanding fine for TV license. It was origionally for £150. I had put off paying it as i had some council tax bill that i needed to pay more urgent :( Anyway a few weeks ago when i was at home i saw a car pull up outside my home, a man got out walked up to my door, put a letter through the letterbox and then…
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7 Years On - I Finally Done It!
Hi everyone I originally posted about my debt situation back in September 2006 in this thread: https://forums.moneysavingexpert.com/discussion/259181 Long story short at the time I was £23,493.57 in debt, I had no job, no bank account, was at my wits end and the future looked very grim! Writing that original post that…
