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Friday 21st March - 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…
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Not my debt?
Hello, not sure if this is in the right place but... I was recently contacted by Lowell/Red debt collection company, they claim to have obtained a debt of just over £400 which I apparently owed to Capital One(who I have never used). They have given me several pieces of information such as a Lowell reference number, client…
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All done!
Yesterday I made the final payments to my creditors. I contacted them directly to get balances about two weeks ago and confirmed with Payplan that I would inform them once they were nil. It all went a bit too smoothly, took about 30 mins in total. Still not convinced it should have been that easy. Got the authorisation…
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Defaults & improving my credit rating for a mortgage
Hi, So I'm new to actually posting on the forums..despite using them as a useful resource for advice for several years. I'm seeking general advice as to how to improve my credit rating in readiness for when some defaults are finally removed at the end of the year, with a view to applying for a new mortgage. A quick…
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advice needed regarding debt collection
Had a debt collector at door will be coming back on Monday as was un able to speak to them the night. Debt is for a catalogue, think about year and half old. What is the minimum amount that I would be able to offer them as already struggling with money as it is and really can't afford to much back a month. Any advice would…
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Money back
Hi- I think I know the answer is no way before I even ask by they let's go... To cut a long story short I have been in a dmp since 2009 with payplan- my rbs current account has been sold on- I have no idea who to- normally don't pay attention as never use- just paying £35 a month via payplan My mum passed away in august-…
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Council Tax Debt Bailiff Clamped Car - Help Please
Hi All I have a debt from a previous address which is in dispute. The matter is now with the ombudsman. Today bailiffs visited me and when I looked out the window there was a clamp on my car. I spoke with the bailiff and explained that the car was a 'tool of the trade' and without it i could not work. Further my divorce…
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debt free help please
i need help i ran up quite a large debt , my partner knew nothing of it, can i go bankrupt and start fresh, Recently, i confessed to so much as we wanted to move, we have been living together for over 25 year’s. I owned my own house with little own on it, this property was in my sole name i sold the property, and gave my…
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No CCA received. What next?
I recently had a court claim come through from Northampton, raised by Lowell for a credit card I have no record of. I filed a defence requesting a copy of the CCA. The court acknowledged this and the ball was in Lowells court. Anyway they've now come back saying they are continuing with the claim, yet they haven't sent me…
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advice needed for an old credit card passed onto credit security
Hello all About 18 months ago I found out my new partner had an old credit card debt that had defaulted from a few years before we met. Anyway we contacted the dca wanting to sort it out. I was hoping to make a one off gesture payment of a few hundred otherwise we offered them £5 a week, which they accepted! Credit card…
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Payday Loan Debts Disappeared
Dear all, A few years ago, 2-3 at max, I took out some silly payday loans, with !!!!!!!!!!!!!, Wonga, and maybe one other… I had every intention of paying them back, but as a student at university, I wasn't able to. I moved around a lot as a student, firstly from north to south, and then many different addresses in London.…
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how much will they take out of my I/s for ct bill?
I have recently separated from my ex and am now receiving I/s I've recently found out that he had not been paying council tax for a year (one month was paid so about £1000 is owing) I wrote offering £30 per month about 2 weeks ago but received no reply. I was think about having it taken directly out of my I/s does anyone…
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Where have my debts gone???
Hi, just a quick question, so i will try keep this to a minimum. I have a few debts with different companies. Each one is a couple of hundred pounds. I haven't paid them for about a year but still get letters every so often. I also have debt to a major bank. I haven't paid this for about 5 years, i don't get any letters…
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Starting out with F&Fs...
Posted this originally in the F&F thread from a while back, but since I'm new here I thought it might be better to start my own thread and delete the other post... From what I've read here, plus some advice from an IFA that my wife knows from work, I've begun the process of offering F&F settlements to my creditors on the…
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Thursday 20th March - 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…
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My F&F journey begins.
Good news, sold the house paid off the motgage and the 62K loan and the store cards and HP.:j Now with what little is left im starting on the credit cards by sending out the F&F. Lloyds have just refused my first offer and thats a shame but what next. I dont have much left to spread over four cards and 33% is all i could…
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How do you all track your spending?
Hello everyone I'm new here, not totally, I've been lurking for a while but now feel like joining in. I'm not quite a debt free wanabee, more like a debt survivor/recoverer. My story is that my husband and I have just crawled out from underneath crippling unsecured debt of just over £40k and a secured loan of almost £10k.…
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Perfect Homes
Hi i need some advice please, we are being hassled off the above over items we have from them, most have over 2/3 paid off and we have one thing which is newish, we have run into money troubles and asked for help off them but was told no and the threats began, umpteen calls a day and visits all times of the day, and now…
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Advice re: Robinson Way chasing an old CCJ
Hello all - I'm new to these forums and would appreciate some advice! Back in 2007 I defaulted on paying a store card (Dorothy Perkins/GE Capital). It was just after my son was born and my father was terminally ill. After his death we moved house - so in the confusion of those months the whole thing went out of my head and…
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Additional Idea's please
I have an account that has been passed from the creditor to a collection agency. I received notification from a company called Tocatto (part of Lowell) in November last year and agreed to pay a monthly amount towards the debt, I paid three months before it came to my attention that payment was not being taken by the…
