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Shoosmiths Solicitors
I have ccj against me from a Tesco loan. Tesco have since sold onto Shoosmiths. I made a payment today and was asked by the assistant if the repayment was affordable. I was then told they would review the payments in 6 months time. If I had said the that the repayment was not affordable, do you think they would have…
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Barclays overdraft issues
Hi all, Haven't posted on here for a good while having sorted out my own issues a few years ago now, another issue arising is my husbands overdraft facility with Barclays. He's had the overdraft approx. £5k for about 20 years now. It wasn't an issue for many years as he had a good salary etc, when he started a business our…
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Very pleased
Dear all Still quite new I wanted to share some good news. I am been reducing one of my 3 overdrafts by £15 a month and now its been officially reduced to £200 rather than £300 :beer: I am also hoping with all your kind words that the over due payments on very and littlewoods will be sorted by next month and in time for my…
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Debt Collector Advice? Disputed Account!
Hi, I took out car insurance in Jan 2012 with right choice insurance. I definately did not make the right choice. I phoned them to cancel on 17 May 2013. They told me I needed to send them an email with the policy number and my details to ensure the policy was canclled. I did this them phoned back. They told me they had…
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Barclaycard and MKDP LLP court action
Hi, I have just received a county court claim form from MKDP LLP taking me to court for £8000 owed to Barclaycard. I know I had this card years ago but can't remember how long ago and if and when I paid it off. I don't EVER remember having a debt this big at all!!! Anyway this is the first I have heard of this debt and…
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Student loans
Hi can anyone help I have got an old style student loan think it's called a mortgage loan. Do I have to declare one off payments from free shares when deferring?
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Debt Advice
Hi, I'm 21 and living with parents because the situation I've gotten myself in is getting a little over my head - this was totally my fault but I'm not unsure what to do. I currently pay my Car Insurance at £280.00 a month and my Car Finance at £160.00 a month. £10.00 a month for the TV, £30.00 a month for my phone and…
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Credit Rating & DMP help
Hey - I've been in a DMP since August last year and was wondering, if possible it was possible to improve my credit rating while in the DMP or do I have to wait till after?
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SOA Help Please
Hi guys Have been trying to get debt free for a while but never seem to quite get there! Did a SOA in the beginning, but thought I could do with revisiting it... So any advice you lovely people can give on improving the below would be great :) Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly…
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What to repay?
Morning all. I'll try and keep this as short as possible. I've recently come into some money (13K) and I want to use it to repay my debts. I will list the different debts I have, and hopefully one of you smart people will be able to make a recommendation of what I should repay first. So; Nationwide loan - £3553 (settlement…
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Lowell county court claim
On the 17th of Feb I received a county court claim stating that I owed Lowell £744 under a non regulated communications agreement with Vodafone. Lowell were apparently assigned the claim in 2009. I've acknowledged the claim, however I am not sure how to start my defence. In 2007 I had an 18 month contract with Dot Mobile,…
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Parking ticket/Marstons
Hope this is in the right place, if not feel free to move/advise! I had a parking ticket in Nov 2012, and then a letter from Marston's in Sept 2013. A week later i had two visits from a bailiff, and the charges had gone from the original £82 to in excess of £400. I disputed these ridiculous charges with the advice of…
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Overspending issue
I have posted on credit card debt, someone has advised me to post here to get advice on how to curb my overspending?! I am going around in circles every month with my debt! Any advice would be really helpful My monthly wage is just £800 Car/home £170 Credit debt £4000 - £100 min a month Mobile £35 Gym £30
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Daughters debt, help and advice needed.
Hi, I would be very grateful for any advice regarding the trouble my daughter has got into. I should point out that at the moment she is very stressed and depressed to the point that it is very difficult to get her to speak about her problems (which are many). So basically we found out a couple of weeks ago that she…
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Another member who has fallen into the PDL trap
Good Morning, Yet another member of the forum who has fallen into the trap of PDL, however I now seem to be making progress in clearing this debt. I will break it up into the debts I have. Wonga - £1056 - Monthly payment of £132 until October Quid - £250 - Monthly payment of £50 until July Mr Lender - £600 - Monthly…
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Advice needed.....
Hi, I live at home with my parents. I have a credit card debt of £4000 and a current account overdraft of £1500, my wages go into the account with the overdraft so I'm finding it had every month to pay bills and pay off my credit card! Should I open up another account for my wages to go into or move my overdraft to another…
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Wednesday 19th 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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what would cause this action
First of all i was not sure where to ask this question, hence i ended up in this section. brief description before the question:- this morning there were 3 middle aged guys at my neighbors door, they have been before and got no response, we guessed they might be debt collectors. anyway today there was a locksmith with…
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Advice needed please
Im not sure if I'm posting in the right section but I was living in shared accommodation for over 8 years in which time i got myself into a mess financially,had over 7 creditors (payday loans,logbook loans,overdraft) and was making minimum repayments to all creditors or sometimes no payments at all leaving me with a poor…
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Transcom chasing but I've paid!!
Hi all, long time lurker first time poster!! I had a County Court Judgment order me to pay Arrow Global LLC £3357.00 by instalments of £50.00 per month starting August 2008 until its paid off. Fair enough, I stuck my head in the sand and put on my big boy pants and faced the music. I have paid £50 per month from a standing…
