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Confused, Did i make a mistake
2 companies have come of my credit file, even though I was paying them every month and still owe money. Some people say 6 years from when default others say 6 years since you last spoke, which one is it. So if a company is not your credit file, can they take you to court, or sell your debt to anthor company and is any of…
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Jacobs Council Tax Bailiffs - HELP!!!!
A few months ago a Bailiff from Jacobs came to my door to say that I owed Council Tax from 6 years ago from a previous address and that I had to pay with 24 hours or they would remove things from my home. That night I was so worried, I started looking around and found some threads on here telling me not to let them in and…
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full and final settlement offers
hi all Following sensible advice on here Iam going to try and get full and final settlement offers can people offer me advice on offers to make when people refer to a 30% 50% is this off the debt or there only offering to pay 30 % of outstanding amount? ive got 2500 and wanted make it go as far as poss, iam on debt…
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Removing fraudulent defaults/applications from credit file?
Hiya all, A few months ago my partner came to the realisation that a number of loans/ credit cards had been set up in her name Now first things first she should have been checking her credit file and never done that before until she got a letter from a debt collection agency ( at our new address ) contacting her to say…
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Serious debt problem after payday loans given to 17 yr old
Before he met me my boyfriend was going through a tough time and took out multiple payday and logbook loans. for the past 2 years he's been trying to pay them off but he's been struggling with most months the repayments taking almost all his monthly incomes. The past 3 months he's been signed off work due to depression and…
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Fri 11th 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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Without Prejudice F&F and Statute Barred?
Hi All If one was to make a full and final offer to a creditor under a "without prejudice" letter would that count as an admission of debt and restart the 6year (5year in Scotland) statute barred timeframe? Thanks
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Anyone heard of Money Matters?
Hi all! We are in a DMP with Payplan and have been for 7years This firm keep ringing us to get them to help wipe 70% of our debts off! Has anyone heard of them and if you have please can you confirm they are just looking to charge us to go on an IVA? Thanks Sunny x
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full and final settlement improving credit file???
Hi All I didn't realise that full and final offers are recorded as partially satisfied. Suppose makes sense, I was in a position to pay off some of my debts and then with my debt management plan i would probably be paying more than the minimum payment and would be cleared quite quickly. The aim is I want to buy my house,…
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Lowell Financial - Result!
Hello All, Quick update on a post I made a few weeks ago regarding Lowell Financial. They had initially written to me out of the blue claiming I owed them over £180 as they had taken over the debt from 3 Mobile. It was from 2009 and I'd never had any contact from 3 regarding this. When I got the first letter I called them…
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motivation help
I posted a while ago and recieved some great advice. since then I have been playing around with my budget and certainly feel things are more undercontrol. I have also spent loads of time reading other peoples diaries, they are amazing and quite addictive. Anyway what I am concerned about is staying motivated. The diaries…
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Striking a deal with creditors
I've just had a compensation pay out and want to now pay off all debts. My dad is suggesting I call the CCard company's and banks and ask them if they would accept a reduced lump sum payment. However I'm not sure how this will affect my credit rating as I am about to apply for a mortgage! Any help or advice would be…
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Friday 11th April - 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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broken the terms of debt management plan
I have broken the terms of my debt managment plan, I have been in the plan about 3 years now. What happened was I thought I had declared everything to them but last year I discovered that I had an account with a credit card company where I had nil debt so I applied for a new card which I got and have used it for carpets…
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remortgage or sell
we currently have a reasonably small mortgage and a good bit of equity in our current property. We have built up a bit of debt, would we be better to sell our property, pay off the mortgage and debts leaving us with enough of a deposit on a new property, or remortgage adding our debts to our existing mortgage? not sure…
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Lowell Portfolio
I'll start by saying HI! Im new to the forum, although I am a regular reader! Today I received a letter from Lowells (see attatched) after reading that these are scammers I thought I had best come on here for some advice! As you can see they want me to acknowledge that I live here, and that they found me through a CRA, I…
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Next Directory CCJ claim
HI just got a letter form courts in Northampton that next is taking me to court for CCJ and claiming total 280.86 £15 court fees £50 solicitors fees. will there be more fees? I have other debt that an agreement have not been met yet, but this one seems top the list now. just need some advice on what can I do about it. the…
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Debt Free by 2015
Hello good people of MSE. I have recently got myself a full time job (whey!!!) but accumulated a few debts in the last few months as i have been working 2 days a week and moved out of my parents into my own place so i now need your help. i am not panicking about my situation but would like to tackle it because it gets…
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Tell me it will be Ok
Hi, I earn a decent salary (£45k) but I finally accepted after some attempts in the past that I have zero to live on (less than £100 a month disposable income not including any clothes, toiletries, hair or any other things like that). Servicing my debt is taking over my life. I am 37 and a parent with a mortgage and a…
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Council tax and Bailiffs
hi all, I just had the bailiffs around for unpaid council tax, this is the second time they have been this year the first time(2wks ago) they listed my car but this time as car is not on the property they have put a letter through the door stating they will be returning on the14th at 3pm to "force entry and remove goods"…
