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CL Finance - Who are they?
Hi, I am new to this forum but think over the next few months it will be my life saver due to previous debt and closure of my partners company this Friday. My initial reason for registering today is I received a County Court Claim dated 19/2/14 from Lowell Portfolio 1 Ltd, it says: The claimants claim is for the sum of…
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Why do you spend?
A bit about me... Ever since leaving my hometown 8 years ago, I have Got x 2 overdrafts of 2k = £4k in total Got a 5k loan to help an existing business (paid off) Got a 2k credit card to set up a business (paid off) Got 3k on a card (to help me pay for things when I stupidly quit my 29k job with no job to go to and went…
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LCS Utility Debt recoveries driving me crazy!
Hi Everyone! I'm new to the MSE forum and could really do with some advice! I have received ALOT of letters from a company called LCS who are a utility debt recoveries company based in Leeds. They are saying that I am responsible for an outstanding balance with British Gas of £1371 for a property that I used to live in.…
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Charges from DCA and creditors
Hi All Not used the forum for a while but currently trying to clear the last couple of debts from my credit file. One of them has been sold on but had charges added when with the original creditor and by the DCA. Can I request any action is put on hold whilst I try reclaim the charges ( the DCA also added their own charges…
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How to make a few extra pennies to help my debt free journey
Okay so I have really started my debt free journey and I'm ploughing every penny I can in to getting rid of my debts. I just wondered if anyone had any ideas on how to make a few pennies to clear it a bit quicker. After all every little helps :) I regularly sell on Ebay, if it's not nailed down I sell it, I've signed up to…
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being chased by DLC
Hi Guys, In 2007 i got a car on hire purchase, stupid mistake at a young age, i lost my job and missed several payments, they allowed me to have the car voluntary repossessed. Some guy came to collect it and i thought that was the end of it... after a few months i received a letter saying that it had been sold at auction…
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Council Tax debt
I have now more or less got my debts paid, the only one outstanding is just short of £800 council tax. I can come up with £500. Will a council come to an agreement for a one off lesser sum or do you have to pay every last penny?
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CC debt from 2003 is haunting me forever
Hello friends, I am looking for advice and the more I read through these posts the higher my anxiety rises. If I could haev some assistance in directing me to other threads I would appreciate it. I am not very good at navigating message boards! Here is my story, I'll leave out as much of the how's and the why's because…
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Lloyds Loan/Cabot Arrangement (Long)
Hi, Long-time lurker, first time poster. If I am posting in the wrong forum then apologies in advance and thanks in advance to anyone who can help. Please note - I will try and summarise the post into a paragraph at the bottom if you want to skip the backstory. My wife and I have had numerous cards and loans leant to us by…
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CCS Collect 2004
We had a letter from CCS Collect re a debt 'owed' to Aktiv Kapital. We sent a letter back saying that we don't acknowledge etc (a template from here) They have now sent another letter saying that the original debt was some store card defaulted in 2004. They haven;t sent any of the evidence requested, I guess proof would be…
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Full&Final offer - is an email sufficient?
Hello, im currently trying to sort out what bits i can and have a quick question - if i have a full and final offer accepted obviously before i pay up i would want a letter stating that they will not sell on the remainder etc, is an email usually acceptable for this? thanks.
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Robinson Way debt collectors
I received a letter from Robinson Way asking if I had lived at a previous address 10 years ago and saying that I am due 2 debts, one for £1,034 due to HPH ltd(Ex NABG)and the other for £1,567 to the same company. I have no idea what these debts are for and havent lived at the address since 2003, I have received 7 letters…
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Payday loan taken money from account
Hello. I have been generally doing well over recent couple of years and have long since cut up credit cards etc. Unfortunately car is developing faults and have had few large bills in recent months and ended up getting payday loan. I then had another household bill and realised wouldnt be able to repay on time. This was in…
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New to this, advice on paying off overdrafts needed!
Hi all, new to the forum, hope this is in the right place. I'm 24, living with parents and have been far too frivolous with my spending, both as a student and as a fully fledged adult. My boyfriend has asked me to move in with him and while I am very excited, I have quite a large overdraft on my account (left from my…
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Wednesday 26th Feb - 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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Creditlink Account Recovery (C.A.R.S)
Hi there, This is my first time posting, so apologises in advance if this thread is in the wrong place or something. But something has just got me deep in thought, to the point of anger. And as it's 3.32am I needed to 1) Vent my anger somewhere 2) See if anyone else had experienced this. My scenario: Not always been…
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Full and final settlement help
Hi, I have debts of 66k made up of 6k overdrafts and 60k spread over 6 credit cards with outstanding balances between 17.5k and 6k. Unfortunately just before Christmas it was clear that I could no longer service the minimum repayments and I sought advice from StepChange. The reviewed my budget and advised I commenced a…
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money shop pawnbroking loan
Hi all About 6 months ago i was in desperate need of some cash to pay important bills. The only way i could have got the money i needed was to get a loan against my gold chain my mom and dad had brought me. So off i went down to the money shop.... This broke my heart and from the day i did it and i have been determined to…
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Mums credit card debt Help please
I got suspicious that something was not right with my Mum, she's 77. I know she has a credit card with MBNA but didn't realise how much debt she has got into. She has not used this card for about a year and has paid £160 every month, which is more then she can afford on a state pension. She owes £5681.22 out of the £160…
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county court letter asking me to visit them
I got a hand delivered letter today while I was at work from my local county court. it names an individual bailiff who delivered it. I am in lots of debt and in truth this could be from any one of a number of debts, I suspect water or gas/electricity. the letter said not to ignore it and I would risk being sent to prison…
