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contact from debt collector
I've recently been contacted by email and had two automated messages left on my phone concerning a university debt from a few years ago by STA Graydon debt collectors, I've moved house a couple of times since then so presumably they don't know my current address I just wondered if anyone could tell me the best way to…
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Stepchange payment returned
Hi all, I have been with Stepchange for 5 months now. Second payment to barclays premier account got returned, no reason why? I rang barclays and stepchange, both had no idea why. A double payment was then made the following month, all ok. Now this months payment has been returned. So frustrating as account numbers etc are…
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A really good family budget?
Hi, I've been on this site back and forth for a few years, the things I've learned have changed my life. We have no new debt, but are still paying off our old one on a drastically reduced income! I need to do a tight solid budget that will keep us on track but im so confused. Does anyone have a example of a budget I can…
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Wed 9th 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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Legal Aid Agency
After 11 years, the Legal Aid Agency has informed me that I owe them £3500 for assistance i received with my divorce. Until I received the letter, I did not know about the debt. For the past year, I have been disputing this debt based on the fact that 11 years is too long to wait to inform anyone that they have an…
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Rent (and general) advice needed....The camels back has now snapped.
Evening All, This is my first post, It’s going to be a long one, so grab yourself a cuppa and make yourself comfortable. I have been a reader of the forums and posts for a while, and I have read some brilliant posts and responses, hints and tips. For me, it's now time to stop lurking in the shadows of the sidelines, dig my…
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charging orders where to start
Hi I went through a bad patch with debt several years ago and ended up with multiple ccj's totalling about 30k(all now over 6 years old) none are paid fully and i am still paying them (about 350 a month). (I am paying the ones that contacted me) I have just done a land registry search and found i have 6 charging orders…
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vodafone default F&F offer accepted but on my terms on when to make payment.
I have a defaulted account with Vodafone which they took possession of from the DCA and I dealt with the web relations team directly. The default is 2 years old and as a gesture they said they would knock 20% off and mark the balance as satisfied if I paid the amount in full. I agreed to this but on my terms and explained…
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Marston Enforcement/HMCT
Ive just got home from work to a hand delivered letter from Marston Enforcement regarding a debt in my previous name (Ive been married 3 years). The debt is from HMCT which I assume is the court service. It says they attended to remove my items. I know nothing of this debt. What do I need to do? I am terrified they will…
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Struggling with hefty credit card debt
Hi, I don't know what to do. I've a hefty credit card debt (£23k) across 2 separate cards and need to find the easiest and best way to consolidate and pay a affordable amount monthly. I've a good salary, just been really stupid and unable to keep on top of things. Could commit to pay £500-600 a month off the debt (more…
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CCJ Claim Form Received.... Terrified
Hi all, My husband has just received a claim form in the post from 1st credit for Vanquis bank. We have been paying them token amounts each month and have advised them regularly of our ongoing circumstances. I don't know what to do now, if we return the form offering payments per month will this still result in a CCJ being…
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Lowell credit report on debt not owed
Hi, Thank you for your feedback with regards to shredding the letters and ignoring them. The only problem with this is that, in my experience, that doesn't change my credit report. Lowell are refusing to remove the debt even though I have proof that it is not mine. If anyone reading this has actually managed to resolve the…
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1st Stop Payday Recovery Action
Hi, I recently received an email from 1st Stop which states the following:- Notice – Impending Action - Notice Date 07/04/2014 Your Loan reference Account Balance 285.72 Dear Daniel You have still not paid what you owe and we are now forced to use the courts inseeking enforcement action against you by either Attachment of…
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Card payment offers?
Apologies if this has been explored to death already. Myself and my wife are in a DMP with Stepchange and have been since March 2009. We have the following outstanding debts: Egg = 4,950 Egg = 4,050 Lloyds = 11,233 RSB Mint = 4,755 HSBC = 2,230 Amex = 3,625 Barclaycard = 5,045 Total approx £36k At the rate we are going…
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Egg/mortimer clarke
Morning All, In the seemingly never-ending paperwork trail of my mother in law's financial nightmare, Mortimer Clarke (initially via Marlin some 18 months ago) are now chasing her for a CC debt (originally Egg, then BC). No one had chased her for this debt in around 4 years so she'd just let it lie. We asked for CCA which…
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Ccj
Sorry if this is the wrong place. Just a quick bit of advice really... I'm trying to help a mate get out of a hole. I've already got him to get in touch with two companies that he owes money from 2010 so that part is sorted. He's got a CCJ on his credit report from June 2008 though. It's at an old address and my…
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Scott and Co Reclaim Council Tax
Hi there, I missed my council tax payments last year over two months (2 payments) and subsequently was handed over to Scott and Co to set up a repayment plan and a direct debit. I was told I had to pay around £230 a month back over the same period (my normal payment was £175). Is there any way I can claim this excess money…
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Bailiffs, what were they trying to get us to sign?
We had bailiffs visit on Friday, with notice to clam goods. (The debt is not ours, it relates to the previous owners of our house who left for Australia over 2 years ago, but that's a whole other thread) My wife answered and would not accept that we were not the people they were chasing, even though house sale information…
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need to change to free dmp
Currently paying a fee of around £38 and don't want to be.. in a place now where I feel I can sort it out, but I have no list of account numbers or anything of the sort I kind of let them handle everything if you get my drift... how do I sort this out...
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Tuesday 8th 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…
