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paying DCA not in my name
Hello all My ex-girlfriend moved out of our joint-mortgaged house back in August. By October I had finished changing all house related bills to my name and switching the direct debits to my account. I then canceled our joint account. Up to January 2013 our electricity and gas had been with British Gas. This was in the name…
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Debt letters from foreign banks
I purchased a house in August 2013 and due to it being an ex-rental property I have received a great deal of post addressed to previous tenants! I have managed to stop a lot of this post by returning them to the sender, but I am receiving persistent mail from a French bank addressed to one person. They are now sending…
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MBNA - surely this is not right?
Hello All Wonder if anyone can enlighten me? ... I've just tried to pay off my debt with a F&F (partial settlement) - the default is listed on my Credit File as being May 2008. I have been paying off my debt via a Tomlin Order and want to be finally free of all my debts. Made the phone call to them, advisor has stated that…
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Has anyone dealt with MotorMile Finance?
Hi, I hope i'm posting this in the right place? Apologies if not. I had a payday loan with WageDay Advance which I fell behind with. I completely accept this was my fault as I had an unexpected bill one month and did not apply for an extension in time. At the begining of this month I emailed them my apologies and confirmed…
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HP or Payday debts being chased?
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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Finally Debt Free!!
After a 4 and a half year slog I’m finally debtfree! Before I started my debt management plan Ithought I’d be forever in debt (stuck in a rut paying minimum payments offcredit cards, robbing Peter to pay Paul etc). Even when I started my Debt Management Plan back in 2009 I still thoughtI’d be forever in debt. I actually…
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Nearly 6yr old CCJ getting chased by HFO what can I do?
Hello my problem Is that I had an old welcome finance agreement that I unfortunately got in to debt with. A CCJ was registered in July 2008. I have since been trying to get my credit back on track & have registered to Experian. The CCJ is still there & I believe it will be till July this year, then it will be 6 years old.…
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Robinson Way 'overpayment'
Hi, I'm very new here so hope I'm posting in the right place. Apologies if I am not. I have received a letter today (in my maiden name and sent to my parents' house) from Robinson Way, claiming I may have made an overpayment on an old debt. They state that the account in question has been fully paid for some time, and that…
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That Sinking Feeling
I've never been great with money but ive always worked and always seem to find a way to keep my head above water in the end and to claw it back. This time though, ive ended up in a mess and don't really know what to do. I've got a total debt (excl. mortgage) of £14,671 which comprises overdraft, credit cards and a loan…
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Court fine/Bailiff advice, if you would be so kind.
Good morning everyone, I was just wondering if anyone could offer me a little bit of advice. I knwo you will have all heard this story a 1'000 time sbefore, I had a Tv License Court fine for £180, which was passed to Marstons and they have pursued me for £480, with their fees. I had various correspodence with them,…
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Spreadsheets
Hi guys, I know I've not posted for a while but I have been lurking. Life has given us a massive kick in the you know whats over the past year but we are weathering the storm and coming through it now. I'm now ready and motivated to kick on with our Debt Free journey. Would any of you kind soles that are spreadsheet…
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MBNA /MOORGATE CCA response-hel needed please!
Hi, I sent a cca request off in october 13 to moorgate re my old mbna debt to which i got no response,i continued paying until march when i sent off the origional request along with second letter stating i had not yet had a response and would stop payments until i got one. They then sent me out (along with bombarding me…
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Monday, 24th 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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Can you take a credior OFF a DMP??
We are about 30mths into a DMP with SC.. Most of our debts are loans and cards ranging from 7-15k each, but we had a few store cards that were low, and we added everything in.. Next account was only about £450, but they froze charges and when that got down recently to around £50, I paid it off... Next lowest is Argos card.…
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DMP and mortgages
I'm considering a DMP after a series of life changing events recently. I have done some research on here and understand the difficulties ahead with remortgaging when the time comes. I wanted to know if I press ahead and enter a DMP will any reduced payments effectively be wiped out by potentially a higher mortgage payment…
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makesenseofcards not working?
Just clicked through my usual link to make sense of cards, and it says it isn't there? Anyone know why? cheers chev
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1st Credit Ltd offering to pay 95% of debt. Advice?
Hi, need a little advice please. I have had 1st Credit Ltd sending me letters over many years over a debt I had from a bank which is over £1k. Nothing has really come of it, and I seem to have been able to ignore the letters, mainly as I had no hope of repaying it. Last December 2013, I received a letter from them saying…
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I've done it! Debt free in 4 years 10 months!
Had LBM in May 2009 and by the time the man from Christians Against Poverty had been and we'd signed on the dotted line to begin the debt management plan , we were just shy of £22,000 in debt. It's been one of the hardest things we've ever had to do. I've been dragged through county court, lived on the meagerest of budgets…
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Advice please - lowells debt 2008
Hi All Not sure whether you can help me. Just before December 2013, my ex husband asked me if I knew of any debts that we had had with HFC. I said I couldn't recall any and he sent a letter of limitation off. Anyway, today he informs me that he received a letter on Friday from Lowells asking him to pay a debt of approx…
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Slowly sinking in my debt! Missed CC payments :(
Good evening all, Basically I have been incredibly stupid and have defaulted on 3 credit cards and a catalogue account....debts have been passed to debt collection agencies. I don't know why I have allowed this to happen and even more been ignoring all calls and letters! I feel so ashamed and embarrassed by this! I'd like…
