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Help with a CCj hearing
Help... I have got to go to a CCj hearing tomorrow, I filled in the form as I'm on dla and no one is currently working in my household, I received a letter back saying I have a hearing on Monday re my financial situation. The debt is from an old credit union at my previous employment, what can I expect tomorrow? Panicking…
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Drydens Fairfax/Citicard/Capquest
Can someone help me please? Out of the blue I recently received a letter (dated 12 March) from Drydens Fairfax saying I owe CapQuest £3143.57. This apparently is because I made a credit agreement with Citigroup and failed to pay it. The debt was then sold to Capquest. I did have a Citicard prior to 2007, and I think I paid…
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Fearing our DMP is a massive mistake
We embarked on a DMP in October 2013. We did it because we felt overwhelmed by our total debt of £60,000 and were really struggling to make ends meet, despite being relatively high earners with 4 children, two in full time child care. When we met the DMP (charity) they were really positive told us this was exactly the…
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Feeling very down and fed up
Just noticed my tax credits have gone down by £20 a week...that's £80 a month, and also my income support is being reduced by £22.96 a week until the 6th May for a social fund payment-I wouldn't mind except I was already paying them £40 a month as that was all I could afford...so for April I am going to be £170 down and…
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Selling stuff - how
Hi everyone! We're doing well and are on the way up at last. Dh has just got a job after a year off and we are determined to get our debts paid off. We have decided to move into a smaller house (ridiculously expensive where we are). Problem is we have so much stuff. It's ridiculous. A whole garage worth of toys and clothes…
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Debt Advice Please Help - SOA
Hello I am looking for some help with my debts as I really need to reduce them asap and keep going wrong. Can you please have a look at my SOA and give me some advice please. I was thinking of taking out a loan to pay off all my debts to reduce the payments but not sure I would get it. Thank you in advance Statement of…
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DMP annual review
Hi Guys Im currently in a DMP with StepChange and my first annual review was due yesterday and I only have 3 payments left to make before im debt free. Anyway, the problem is that while on my DMP I took out more credit :( I know I shouldn't have done it but I was desperate and took out a payday loan. Im due to pay that…
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Cabot
Hi Guys I defaulted on a sainsbury loan, several years ago owning around £9000. I had an payment agreement with them but they sold the debt on to Cabot who registered a default notice on my credit file, which i think is wrong as i never defaulted with them, sainsbury never registered a default. Today cabot have asked me to…
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Help Create a debt plan
Hi All, As above I would like a little help to plan my way to be debt free. Monthly Income - Salary - £2759 Business Income - £2000/2500 (varies per month) Debt - Nationwide Loan - 298/month (12500 remaining 48 of 60 months left) Barclaycard - 110/ month (3600 on card at 21% APR) Santander Car Hire Purchase - 331/month…
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MSE News: New rules to protect people from bailiffs take effect
"Bailiffs are to be banned from entering homes at night and from using physical force against debtors under new laws" Read the full story: New rules to protect people from bailiffs take effect Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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CFO lending cleared my account
Hi all, I need some advice. CFO have cleaned out my account today leaving me with precisely nothing until the last day of April :( I have phoned them and they are less than helpful..... Is there anything I can do to retrieve this money? I had forgotten about the CPA :-( I do WANT to pay them...just not my entire salary in…
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Banks right to take money????
Just wondering - I have set up my basic account which I am using however I still have my old account open I don't use it but - after the creditor agrees the dmp do they still take money out from your account if you are in debt with them? I hope they just leave u be and let you make the payments Has anyone had their bank…
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Loan calculator with a difference required
Hi, Im looking for a loan calculator that will tell me what I owe after each year. For example, I took a loan out for £15000 over 120 months at 6.7% in Nov 2011 and I would like to know how much I will owe after year 9, 8, 7, 6 ,5 ,4 and so on. Many thanks in advance :) :j
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Back For Good
Hi everyone A long time since I've been on. After a pretty blue Christmas I decided to finally bite the bullet and face paying off my debt. I am working with CAP now to do so. The going is OK so far, it can be hard to change habits though. It is certainly making me realise just how much I used to spend. It has been much…
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Nationwide Arrangement to Pay on Credit Report
Hi I’m panicking L I today downloaded my credit report from Equifax and everything looks fine and all my payments are up to date except for my nationwide current account. The background: I opened the account (Flex Direct I think) and the account came with a £2000 interest free overdraft for the first year. I needed to…
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Credit security limited
Hi all, new to forum, so :hello: My story is this, 10 years ago I started my job, so informed the benefits agency of this and asked them to stop my benefits, they told me, as I was paid in arrears, I could claim up until I started work so I did. Last year I got several letters from the DWP claiming I owed them £205 from…
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Building credit history back up
Hello guys, a little help if I may! The last 5-6 years have truly messed up my credit history. I'm 23 years old, part of it's my fault, part of it is my ex employee (never paid me on time, always wrong, always below minimum wage etcetc( which ended up with me missing payments on bills, and subsequently they was cancelled…
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Nationwide - Phone number
Hi, I received a letter to say I've overpaid my nationwide account and can I call do arrange refund and close account, they had frozen the account and I had been paying the debt off. Can't find the letter anywhere! Can anyone help with the number to call? It wasn't their usual number it was a 9-5pm department that dealt…
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No Reply From Creditors
Hello boys and girls... I sent thirteen full and final settlement offer letters out on the 3rd of March, so far I've had five agreed (of which I've paid three and am waiting on confirmations from two) and am in negotiation with three others. One of the two I'm waiting for confirmations of terms from is Wonga. They emailed…
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revised SOA
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 6 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1363.01 Partners monthly income after tax....... 0 Benefits................................ 1574 Other…
