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Provident help
I owe about £400 to provident it was a mistake getting the loan (was on mat leave at the time) I'm struggling to pay now I am a single mother with 3 children and no job (I get I/s) I'm not trying to get out of paying what I owe but the agent is giving me attitude about my payments I've been giving her £10 a week (should be…
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Debt Collection Agencies......can I ask for CCA's if original debts were pre-2007?
Hi, I've been reading these forums with interest to my own circumstances. I had been with LLoydsTSB from 1997, current account and a credit card. When I went back to University in Sept 2010, I was told that I should just keep the same account as I had a good credit rating with them and not change to a student account. I…
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Help with letter template
Hi everyone, For the past 14 months I have been making payments via Stepchange to my outstanding creditors. To cut a long story short, I would now prefer to make payments myself, as Stepchange is no longer working for me. I am now therefore going to contact each of my creditors to request the necessary details for me to…
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Help with debt management
My partner and I currently owe a little under £7500 between us. This is split roughly as follows; 50% static loans from family who we have standing orders set up for& default repayment agreements. 35% Interest style leans & store/credit cards. 15% Constant amount interest debt. We have been steadily reducing our total…
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wanting to clear debt by half by christmas please help.
Yay hubby has found a job after being made redundant in august 2 weeks after our third was born. However Im shocked to find out that we are much better off money wise and hes working only 30hrs and at minimum wage :s which is leaving us with a lot of disposable income left over. Iv been building debt since August. He is…
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stopped paying CCCS - what happens?
Hi there I had a DMP with CCCS (or whatever they are called these days) and it has been stopped as i missed payments due to financial issues in my present country. I live outside of the country and have done for a few years. I am scared to contact anyone as I am worried about what will happen. I can't restart the payments…
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Debt Help Needed
Hello, I really need some advice. I am currently struggling massively, my partner and I have a 6 month old daughter and we are finding it impossible at the moment financially. Basically she was a student nurse, she failed her last year of her course and had to re-sit it, however during the final year she fell pregnant. She…
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Monday 17th 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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Letter template for Barclays-stopping interest?
Hi all Hope someone can help. Apologies if in wrong place but this may just kick off a debt free journey for me. I have had a dormant Barclays account for many years that's accumulated interest to the point I now need to address it and I was hoping to contact them by letter to see if anything can be done to stop interest…
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CCJ Claim
Hi All, Just wondering if someone can help me. During a period of sickness last year I stupidly took out a payday to help cover the costs of rent etc anyway I recently (6 or so months ago) put the loan on my debt management plan with a few other debts that I owe. Last Wednesday I received a letter from the company stating…
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Advice please!!
I have very high credit card debts, I wanted to get a loan to consolidate them as I'm only paying just over the interest at present. I have been turned down for a lot of loans as I have no more credit available. Any advice on how to get a loan now?
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Blocking access to loans
Our son, who is 24, lives with us and has made a complete mess of life so far .... drugs, alcohol, convictions ... etc. Unexpected arrival of bailiffs on doorstep alerted us to major debts too. A bit of investigation has uncovered 8 different payday loans and three separate bank accounts with maxed out overdrafts. One…
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Giving Up all Hope....no future.....Help Please..
Hi I don't know if this is the right place to write this, forgive me if its not.but I have to write this or I will crack.... I cant begin how to tell you how horrendous my life has been over the last 6 years, and ive finally broken as my darling mum died a couple of weeks back. Things over the years has just got worse and…
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When to pay back debts? And settlements and default removals advice
I have around £5k of debt across 7 creditors and I am currently in a dmp some creditors have given me defaults. I have seen some sample letters in order to try and get them removed. In a nutshell I have recieved some money that can pay these debts. I want to offer them settlements but what percentage do I offer also on…
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Need advice on debt collector
Hey there and thanks for any advice in advance, its all very appreciated. Back in Jan i got a letter from a debt company called LRC who were chasing a debt of £856.02. I was unaware that i had any debts. So i tried to phone them with no luck. I then emailed them with my number and asked them to phone myself. They did not…
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IVA recommended solution.
Hi all, I spoke to a Step change advisor and he recommends an IVA for my position. I have a few concerns one is that I have my Mortgage with Santander and also a overdraft with Cahoot (santander). The OD is unsecured I'm wondering what reaction santander will have when Cahoot are offered a small amount towards the £4000 OD…
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CapQuest Query
I wonder if anyone can offer any advice, I sent off a CCA request to CQ in december and received a reply on 11/3/14 which came with 2007-2009 printout of statements and the original application form, with a signature. a) surely I should have received something by middle of January at the latest b) if i requested a copy of…
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So excited!!
I've just worked out that my debt free day will be 25th August 2014. After being in debt all my adult life the end is in sight. I can't wait although I don't want to wish the summer away either!!
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Debt Managers (Services) Ltd
Any help would be appreciated... Debt Managers Services Ltd have contacted me via post 3 times in the past couple of weeks. The first said they were trying to contact the named person, and through details received from a bank. However, the named person is using my Middle name and Surname. I have never used my Middle name…
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CL Finance / Lewis Debt Recovery
Hi, apologies if this is not the correct board to post this. I paid off my DAS through Think Link nearly 3 years ago. Yesterday I got a letter from Lewis Debt recovery informing me that following an audit I have made an overpayment and I should contact them. To say i'm slightly suspicious is an understatement as i've never…
