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Damn Lying and Unprofessional DCAs!!
I don't exactly know why I'm surprised they behave so poorly. So, I phoned 2 DCAs for some very long outstanding debts to tell them I have just been made redundant and want to reduce direct debit to £1 a month. The 2nd one actually said "ok, I'm just pulling up your credit file now...yep, I can see all your other payments…
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Not sure where to turn
Good Evening. I'm looking for a corner to turn for advice as no one is allowed to give me any. OK here it is. Me and my wife unfortunately got into debt of a region of 28,000. When i spoke to someone for advice about debt management they directed me to a Company called Price Sterling. After going through all of the intro…
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Quick advice please re filling out Income/Exp forms
Just in the process of filling out an Income/Expenditure form to send onto my creditor but on the form therere spaces for my wifes details and income. The debt is all in my name so will I have to fill out the information for her too? We are married and live together and therefore financially associated if that matters?…
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DoorStep Loans - What happens if you get Ill?
Hi, Wonder if anyone has a suggestion.... My mother has some doorstep credit (Shopacheck, Provident, Naylors and Buy-as-you-View). She was diagnosed with Cancer 5 weeks ago, we only found out 4 weeks ago, its agressive and now untreatible.... she has been discharged from hospital to die at home, we have weeks (if that)…
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Debt Free !!
Well today is the day. We have finally cleared all our debts. After 2 years and 8 months I am proud to say we are finally debt free.:beer: Thank you for all the help and advise recieved.
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Which path would you take?
Hi, I am actually asking this question on behalf of a friend, she has asked me this question but I am not sure where I stand on it. I am probably biased as I am not in a DMP. Basically she has about 15k of debt between her and her partner, I think its pretty evenly split. She can make minimum payments of £410 for 6 months…
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Mental health problens, payday loan debs and gambling addiction.
Hi everyone. Im just after advice. im in a lot of payday loan debts but have been in bankruptcy and i have mental health problems and iam addicted to gambling. Lot to take in i know, but im at crisis point. I have got appointments with a psychaitrist (sp?) , i have counselling. And i have seriously hit rock bottom. My…
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Monday 14th of April What Small DFW-Things Will You Be Doing Today?
:) :)Monday 14th of April What Small DFW-Things Will You Be Doing 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…
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Porting a mortgage whilst on a DMP
Hi, I was wondering if anyone had any experience of this. We have enough equity in our house to pay off my DMP which is 55k. I haven't been on the DMP long but it has given us to some much needed thinking and breathing space. We are considering moving to a cheaper house and releasing the equity to pay off the DMP - my DMP…
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Do Stepchange/payplan pass on your Income proof letters +bank statements to creditors
With Stepchange or Payplan, when entering a DMP and after completing the Income/expenditure form with them, to calculate what you can pay them a month, Then you send them your proof of income/ or statements of any income. When Stepchange/Payplan receive these, do they pass them on to the creditors? (photocopies, via post/…
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Cabot Financial Standing Order ?
Hi All Not sure if this is the correct section for my query ? I've had a letter saying that Cabot Financial have taken over one of my debts from Barclaycard. I've gone through CCCS in the past (now Step Change ?) and pay all my creditors £1.00 per month by Standing Order as it's all I can afford. I have recurrent mental…
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Do Payplan require 'bank statements' and letters of income
When doing a DMP with Payplan (after the income/expenditure) What PAPER items do they require from you? are some things compulsory, and somethings don't have to be sent? Do they require you to post your paper bank statements to them ? How many months back do they need ? What things do they require you to send them, in the…
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Does a company name change void a credit agreement?
Does the name change of Lloyds TSB to Lloyds Bank invalidate a credit agreement? As far as I am concerend, I had a credit agreement with Lloyds TSB Card Services and not LLoyds Bank. Any letters i used to get were headed LloydsTSB Card Services. Now they are coming headed Lloyds Bank.
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So here goes..
Hey guys/girls, This week after some home truths from my girlfriend (now on a break for the next year) I've realised it's time to sort my act out. I'm 24 years old and I have what I consider quite a mountain of debt, when I add it all up, its topping £2000 at least. Hundred quid here, two hundred quid there, contracts…
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Bank Of Scotland; payment shambles.
Who'd have Adam and Eve'd it? I'm currently in the repayment process of paying back my loan via the collection services of the Bank Of Scotland, however in February of this year I phoned up to make my monthly payment, which I did. Early March I received what I can only describe as a laughable threat from them stating I had…
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struggling,
Hi all I guess I am at a loss as to what to do and dont really have anyone to talk to, its my own doing. basically i have a good job with a good income but i just cannot seem to manage money. this would be fine except i am in serious debt. i am in my early thirties, married. all my friends have their own house mortgages…
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Can anyone tell me what these codes mean please?
I have some payments that have gone into my Natwest account that have the initials TPM and some with SX after the payees name. Does anybody know what these mean?
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where do i go now? judgmet for claiment...help!
I have gotten very confused as to if this is legit or not. in January i received a county court claim form from Northampton county court, i responded and opted for the extra 28 days and said i was going to defend myself. the i asked the Creditor (lowell/Bryan Carter) for my CCA agreement within 12 days. i didn't hear…
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address for barclays for final settlement
Hi does anyone know the address to send my final settlement offer to barclays it was for a barclays current account overdraft. I haven't had any correspondence in a long time, Iam on a debt management plan and it doesnt seem to have been passed to a collection agency thanks
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Default from overdraft
Hi All, Im hoping someone can help me. My brother has a disasterous credit report that I have been trying for a few months to help him sort out. Just received a copy of the Equifax report and its worse than I thought. So he has a credit card and overdraft with Ulster Bank (part of the RBS Group) that both are now showing…
