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Bailiff trying to collect unpaid council tax bill
I have tried to contact my council to get them to take back the debt but they tell me it is now in the hands of the bailiff. They told me they had not received my statement of reasons in time. The present debt is for £1700 but another for £8000 is to follow. I work part time 30 hrs and can only afford about £100 a month,…
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Statute Barred Info
Ive scouted a lot online relating to statute barred but cant seem to find the info i'm after. Having recently checked my credit report after a long 10 years of avoiding debt and running from it there is a lot of entries on my credit report that i'm now looking to resolve. I have 2 questions.. My report does not show…
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Ccj papers issued - can I offer settlement to creditor?
Hi - first time posting, I have recieved a ccj form and have till Tuesday to reply. My question is is for 299.99 with court costs - could I offer the creditor capquest (issued by hl legal) a smaller sterile ment amount or is it now the court papers have been issued I cannot do this. Debt is from capital one card and court…
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Capquest phone call and now a letter regarding a missed payment
Hi there, got myself into debt around 12 years ago after defaulting on credit card and a few loans when I lost my job and my relationship broke up etc. stupidly I ignored all the letters and phone calls for quite some time hoping it would all go away, adding further to the amount I owed. I have been paying this company…
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CCJ after 6 years in England
Hi, If you want to please study the following post way back in 2007:- [link removed] Essentially, last payment was made back in late 2007 and I have made no written contact back since. About three weeks ago I got a letter from a solicitor that a CCJ had been issued against me. I didn't take it seriously because of the…
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could it cost me my house??
Hi My wife and I and I are well into our Debt free journey and we will should be unsecured debt free by the end of 2015. We have a mortgage which we took out in 2006. We are fully up to date with out mortgage and have never missed a payment. We are also up to date with all of our other debts and apart from the off late…
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Full and final settlement help
Hi Guys, I owe around 26000 pounds to 7 different creditors and all insecure. I have had this debt since 2006 and have not paid anything for the last one year. Before that I only paid 1 pound each creditor for the 5 years. I want to settle this in full and final. DO you think if I offer them 20%-30%, will my creditors…
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Unsecured loans, mortgages, secured loans
After some advice please. Me and dh have a mortgage and a secured loan of which we have maintained payments. We do however have many unsecured loans between us of which we pay reduced monthly payments, a programme that we set up many years ago with the Cccs. We pay what we can afford and it all seems to be working ok. We…
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Debt Advice!
Hi! I'm 24 and have quite a lot of debt and I was after some tips to help reduce my monthly payments and overall debt. I would really like to apply for a mortgage within the next 3 years so reducing my debt is really important. I've added in a breakdown of what I owe and my monthly in comings and outgoings. Debt Loan 1=…
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Desperate to clear debt!
My first ever post on here! Not entirely sure I'm doing it right but here goes :) Added everything up today and had no idea I was looking at around £30k of debt - I just can't seem to stop spending! I need inspiration for ways to start reducing my debt, reign in my unnecessary outgoings and then keep on track to become…
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Debt
Hi don't know if anyone can help me at the moment I am paying a debt management company £98 a month, Me and hubby have debts totalling £2500.00 it is killing us paying this much a month didn't know if there was a cheaper option for us ,My hubby works full time all hours he can and I work part time but am off sick at the…
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Secrets......
of your credit rating' Channel 4 now. Might be worth a watch MSE'ers :money:
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What to do for the best??
Hi there, 3rd post and need some sound advice... Although i have a DMP with stepchange £160/month (debt £15,600 and 2022 till debt free) I have been paying my partners credit card bills (sc budget takes this into account via food bill). £2800 on halifax which is closed and £800 on another both at 19.9%. I'm thinking that…
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Tell the payday lenders to reduce their high fees - Which? petition
http://www.which.co.uk/campaigns/money-payday-loans-overdrafts/FCA-must-intervene-on-high-default-fees/
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Excel parking requesting credit information
Hello. I've been posting on one of the other forums about a dispute with excel parking. I haven't heard anything more from excel about this but I was surprised to find them listed as a company that had tried to access info about me from experian. I was advised to post on this forum to see if they are able to do this as I…
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IVA v's Bankruptcy
Hi, I wonder if anyone can help please, Ive never used a Forum before but really need some advice. Basically in 2007 I had racked up a lot of debt on credit cards and went onto a debt management plan. Last March (2013) I went into an IVA as I was approached by a sister company of the one I was with for my debt plan and…
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WAS Going to Consolidate Debts.....now I'm overwhelmed.......
Ok, so today I decided to use Money Supermarket to search for a loan to consolidate mine current pretty bad situation (pretty bad for me, not some). Then I followed a link, and another, and now I'm here trying to fend off phone call after phone call from loan companies..... I started out fine last year, lost a lot of money…
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How important is being debt-free?
My wife and I are currently weighing up our options, and it's made me consider somewhat my debt-free-wannabe status. Is being debt-free the be-all and end-all and should it be achieved as soon as possible? Our situation is we are selling our London flat and currently planning to buy a house in Sussex. Due to some…
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I'm going to make it no matter what
Hi everyone, I have been doing a lot of reading on here but thought I would now share my plans with you guys. I had an overdraft with Nationwide which stood at £1050. It crept up for various reasons and I just couldn't get out of the spiral, I tried and tried but just felt like every time I got paid it disappeared and I…
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What is debt?
As the title really. I posted my repayment progress last week which i'm very proud of. But then i started to wonder when are we really debt free?? I'll be happy if i pay off the credit cards and repay my overdrafts. Then i will have disposbale income for future purchases etc and i have set up piggybanks for holidays,…
