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assistance required.
hi guys. its been a long time since i posted on here, but i am currently having a bit of a problem, and you lovely people were the first i thought of to get advice. i know this will be in the wrong forum, but its the only one i have really posted on, so i hope it will be ok. i have been living in abroad for the last 2…
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Council tax arrears - Bailiff visit
This morning I had a visit from the bailiff (JBW) who knocked but I did not answer after they had gone they I found a lovely delivered by hand letter addressed to me and OH one titled Enforcement notice and notice of seizure of goods and inventory, in which the car is listed. The debt is for council tax according to JBW to…
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Nervous but releived
Well have taken a big step towards the future...Have an appointment today with debt management at CAB. Am terrified but also relieved that I am making a step in the right direction.
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Text from PDCS
Official MoneySavingExpert Insert November 17: If you've reached this page and are worried about debt please read our Debt Help guide. Back to Cate1976's original forum post... A couple of days ago, I received a text from the above named company saying: MR David Bone, please contact PDCS re an important matter by calling…
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My repayment progress
I feel like I’m wishing my life away raring to get to the end of the month so we can pay off another round of debt. The end of the month can’t come quick enough in my eyes as I just want to see the progress. So I thought I’d list in here what progress we’ve made since our January Pay to spur me on and keep me going. I’ll…
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Thursday 20th February - what small DFW things will you do today?
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Bryan Carter Lowell (not de ja vu)
Hi, I've just read through the other thread and I believe I'm a stage back in the process - although maybe too late. I've received a letter today (dated and postmarked 3.2.14) from these parasites stating they have been instructed by Fredrickson International Ltd on behalf of Lowell Financial Limited to issue court…
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Arrow Global / Scotcall
Greetings, these jokers have been harrassing my partner recently. leaving phone messages and sending letters. According to them a littlewoods account opened in 2001, (it wasn't) was passed to Arrow global in 2007 (it wasn;t) and has now been passed to scotcall. My partner has had a littlewoods account but was opened in…
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Personal loan - URGENT help needed!
I took a personal fixed sum loan out with Creation finance two years ago. The repayments were at £312 p/month. The loan was originally for a car. At the minute I am owing £13,000. (Includes interest and negative equity). It has a settlement figure of just over £11,000. If I was to sell my car for £5000, that would leave me…
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Obsessive?
Hi there, I was just wondering how often people check their balances and update their spread sheets/log books/records etc.? The reason I ask, I do it every day, for at least an hour. I also find myself checking figures, even though I know they haven't changed. I actually feel like it's gone past the stage of being…
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Full and final settlement
Hi All Just wondered if I could get some advice/other people's experiences of full and final settlements. My hubby and I have debts totalling £62, 200. These are broken down as follows; Aktiv Kapital £13144 A personal loan sold to them by Lloyds Aktiv Kapital £ 368 A CC debt sold to them by Lloyds Enact £29258 Motgage…
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I'm DEBT FREE and wanna shout about it! (oh, and a question!)
Hi guys, i'm finally debt free and after a very very long tunnel the light has finally arrived! Quick question, I want to keep improving my credit rating so should I keep one of my credit cards and just use it to pay for fuel and pay it off each month? I've heard that this will show that I am responsible with my money and…
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'Prove it' success...I think!
Howdy folks, So I've been helping a friend who got in a financial pickle recently and I fired off a prove it letter to Lowells for a debt from circa 2005 for her. She got a letter back stating that they could not prove if it belonged to her or not, and due to this they have removed her details from the database. She's very…
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Debt Free Newbie desperately needing emotional support
Hi guys, Completely new to this. I have been in debt my entire adult life and never seem to get anywhere with it. MAde worse when I went back to uni 7 years ago - I am now in full time employment but I have a huge financial hangover!!!! I'm 34 single parent of 2 and I am determined this time that things are going to change…
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Arrow Global
Hi I have just received a letter from Arrow Global saying that the management of my account has been transferred to scotcall limited. They are saying that they had the account transferred to them on 6/10/2006 but they have now passed on the account details and payment history to scotcall. It looks like an account I had…
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Loan vs CC
Hi, I posted the other day about whether to pay off my loan or CC first. I've since retrieved some more information... My loan is 7.9% APR and I have 33 months of payments left. CC is 0% APR until end of October 2014 (I thought it was April!) :T There is around £6000 on there and I'm paying around £100 a month off at the…
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N9A Help - joint or individual details?
Hi I'm trying to complete a N9A form in relation to a court claim. I am married with a joint mortgage, joint bank account, some joint debts (e.g. secured loan), some debts in my name (e.g. credit card) and some debts in my wife's name. The form asks my to put in my income, and there is also a section for "Others living in…
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Lloyds & RBS F&F
Hi All, I have been negotiating F&F settlements with my DCA's recently but i still have 2 x cards with each of the above banks Lloyd total is £3K and RBS is £6K i have wrote them numerous times to the address's given to me from Payplan but with no reply, anyone had any success with being able to get a reduced F&F with…
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Question about bank offsetting
Hi, can anyone tell me if a bank can offset against my sons account. I have debts with the bank and have changed banks for my current account. However my sons have accounts with them. They are young persons accounts,they are 17 and 18 years old. Does anyone know if the bank will offset what is in their account to our…
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Wednesday 19th February - 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…
