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Almost out of debt hell.. one last nasty..Eon
Hey folks, a bit of a weird one. I went on a debt consolidation plan a few ago. almost done ! :) - pretty much on the straight and narrow and nearly debt free. We rented our place out for 3 years. Paid interest only on our mortgage. Now decided to sell it while the going is good! Anyway the tenants moved out and we went…
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LBM, Long journey ahead assurance needed.
Hi all Fairly new to all of this so appologies in advance. Been tackling debt for a while now £26,000 and for some stupid reason We haven't taken it as seriously as we should have done.(signed up to challenges and never kept up with them :mad: We manage to make all payments and keep up to date with Rent Council Tax etc.…
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Are my defaulted accounts statute barred?
I currently have 3 defaulted accounts on my credit profile. yes i linked my old address to where i am now which i cant move out of because i get 50% off market value from september. Now, I moved out of my previous address according to my credit report electoral role 10/2007. from what i understand from what ive been…
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Wesc@t
I defaulted on bank acc in February 2008 - The default has just fallen off but I never made a single payment (wrong I know, but I just couldn't afford it) Anyway I received a letter from this company demanding payment. As the debt is over six years old and the default has dropped off can the original company go to a court…
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bryan cater solicitor chasing on a mistake
Hi there wondered if anyone could help. Received a letter today from Bryan carter solicitors threatening to start legal proceedings. I had recently started receiving letters from Lowell to claim money for a overdraft on a Lloyd's account from 2008. This was down to an ATM area that said I'd withdrawn 100 pounds not the ten…
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Barclays have dropped a bomb and now I'm not sure what to do
So...I have two Barclays accounts, both overdrawn. According to paperwork received this morning, they're changing the overdraft arrangements and this means that on one account I will be charged 75p a day for my £200 OD but more of a concern is the OD of my graduate account, for which i will be charged £3 a day - that's £90…
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I know I am not alone, but it feels like it
Hi there, I have never before posted on a forum, so please bear with me. How to start, well, I have a HUGE!!!! unsecured debt £70K+ , a mortgage and suffer from a @severe depressive illness' as the doctors call it. A few years ago I was shopping and handed it one of my CC to pay and it was refused, as I was sure I had an…
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Sent prove the debt letter , DCA rejected it !
Hi people I received a letter from a solicitor acting on behalf of a bank , requesting payment of a debt i have no knowledge of. I wrote back using martins template "prove it " letter , they wrote back asking me to pay for the information. So , i then wrote back again using martins recommended "complaint " letter . This is…
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HELP! Aktiv Kapital & IND chasing a very old debt?
Help... In November we received a court letter re:-credit card through MBNA it came through Aktiv Kapital AS Zug Branch & IND saying we owed them a huge amount of money...so I followed all the letters that was posted on here the 1st one stating we have no knowledge do the debt and they must prove all relevant…
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So Frustrated with Halifax re my DMP!
I'm going around in circles! I got a letter off StepChange saying that Halifax would not talk to them about my credit card account as they have told SC that the name or address they hold is different for me. So, I thought this weird, as I get paper statements at my address for this credit card with all details correct. I…
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The most random phone call ever! - Scotcall
So.... yesterday I had a phone call from scotcall. I wasn't in so was left a number to call back. I did some research and it turns out they are some dca outfit. Anyhow, I did actually call them back, mainly because I've been debt free since feb (and mega chuffed about it!) and wanted to see what they're problem was. So I…
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Sat/Sun 12th/13th 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 the bigger stuff, we often feel that we are not making the same amount of…
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Argos debt collection agency (FRS)
Financial Recovery Services. I bought one product from argos last year with my argos card (the one and only thing that I've ever used it for) and didn't pay it, the debt was refered to FRS and I did have a conversation with them and agreed to call them back on the start of this month to pay something back towards the debt,…
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capquest..need some advice
So hi guys/girls. I got a letter the other day from capquest saying they have bought an old debt of mine of 11k. Now I know the debt is mine but its over 6 years old. At the time my family moved abroad and I went for a few weeks then came back, moved around alot and forgotten about. Ive not heard anything about the debt…
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Lowell 'closed' my account will my default be removed?
Sorry if I am not clear but I am new to this site but a regular reader! I had a small debt with shop direct which was them passed to lowell, was being paid off in monthly installments for over a year until I did some reading up and realised I never recieved a default letter... I sent lowell the 3 letter process available…
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HL Solicitors
Hi Sorry if I'm posting in the wrong place... after some advice regarding a debt from 2010! My husband had an MBNA credit card and set a DD up over the telephone, several months later we discovered not one payment had been made so when we raised this as a complaint and took it the the FSO, upon investigation all phone…
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Is debt really a dirty little secret for some?
Hey Since joining MSE I have read many stories of people in similar amounts of debt to me (30K) and yet I know nobody in my real life with this level of debt apart from myself!!!! Is it because people keep it secret or am I really such a minority? If you haven’t already, join the forum to reply!…
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Debt Bomb shell dropped on me
My other half Z has come clean about having massive debts that I had NO idea about :'( We both work for large financial institutions but clearly have the opposite attitude to debt, I can't believe that after 14 years together I failed to notice it. I have absolutely no debt, I manage my spending money and put a decent sum…
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1st Credit gone...Apex wants Cash
Help...first post and advice much needed.. So Lloyds Credit Card taken out in 2002 when I had a good job (got £9000 in debt on one card - stands currently at £5500) in 2007 I lost job and made minimum payments sometimes just below the minimum 3% anyhow they decide to hit default in 2010 and sold debt to a company called…
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Charging order & House Sale
Hi, I think that this may have been asked before and I have found some info on here with regards to the title of this thread. However my situation is slightly different and was hoping for some advice. My ex partner and myself have a property which neither of us have lived in recently, it has been rented out etc. My ex…
