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Equita Liability Order/Distress Warrant for unpaid Council Tax
Hello today i got a hand delivered note through my door saying 'i called today to execute a enter my property with a liability order/distress warrant issued to us by our client. I am authorised by the Court to remove your goods to satisfy the outstanding balance'. 'If you fail to contact me in the next 24 hours I will have…
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Placing a value on your Personal Data
I heard on Radio 4 this morning that we are right to place a value on our personal data. And why shouldn't we. After all, it is our data and anyone that uses it is generally doing so for their own gain (i.e. to sell us something) not for the love of us! So what is your data worth? Well when I heard that a Census was going…
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Help for a friend
My friend gets Employment support allowance. Her housing Benefit has been stopped because her son that lives with her is in full time work. She then had a letter to say she has been over paid by £1400 and they are taking out £21.90 a fortnight out of her ESA. She cant claim council tax benefits as her son lives with her an…
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Can't see a way out, please help
Hi everyone I really need some advice, I feel like theres no way out and this is going to be my life forever. I broke up with my partner after 5 years together, we have 2 very young children. This is were it all began.... My partner bought a car and registered it to me because he was having money problems and didnt want to…
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Please help asap
Hi new to this forum and would like some advice have a debt with ace which has now been passed over to moorcroft debt recovery ltd had a letter from them in march to say they will accept a payment of £120.00 per month debt is £2031.35 I ignored letter as I cannot pay this amount . Yesterday evening there was a knock at my…
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Tuesday 29th 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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Debt Collectors & Payday loan companies
Ok can I write to them (both DCAs and PDLs) instructing them to contact me by letter only? I have been told this on here with regards to DCAs but what about PDLs? Also, one of the PDLs I took out has been in arrears for a few weeks, yet despite this I have not had any letters or any contact from them. I log in to the…
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Any help appreciated :)
Hello everyone I have just joined this forum today so please bear with me! I'm 26 and have got just under £13k of debt. There is no excuse for it - I've been stupid and have never understood the value of money. I had my lightbulb moment about a month ago where I just thought...what are you doing???? I feel like it was a…
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Transcom and ebay outstanding fees
Hello I'm new to this forum but I hope someone can help me. I recently sold a couple of items and had some problems with this so ebay reimbursed the buyer and are now asking me for £534 to include fees and reimbursement I have explained that I can pay in instalments but they said it's not possible. I have recently begun…
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One loan down...
Sooooo….today I realised I had only got £25 left to pay on my flexiloan after this month's payment comes out, so i overpaid by £25! One loan paid off! I am SO pleased. One loan till Jan 2015, and 2 credit cards to go. Baby steps, but I am getting there! :j:j:j
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Lowell CCJ
Hi wondered if someone could help advise me on this.I got taken to court by Lowell Portfolio via Bryan Carter Solicitors over a Littlewoods debt. I was happy enough with the debt to repay and offered a payment that was accepted however not as a consent order as i asked so still got a CCJ. My credit isn't great anyway so…
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Northern Rock
Hi Guys First post so please bear with me. I took out a loan with Northern Rock in 2003. When the world fell apart I lost my job in 2009 and eventually ended up having to claim benefits. I contacted Northern Rock and asked to put my PPI policy into action. They told me that there was no insurance taken out on the loan and…
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Payment offer from SC refused by Halifax
Just going into the second month of my DMP with StepChange. All seems to be going rather smoothly - don't speak too soon! However, I had a letter this morning saying that Halifax have refused the payment offer from SC. They are one of the lesser amounts I have outstanding at £2k. What happens with this? SC say they will…
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Struggling with debt
As my header says i am struggling with about 4,000 worth of debt back in febuary i contacted a debt mangerment company and i gave them all my debt details. I arranged to pay 23 pound a fortnight to clear my debt it came back it would take 7 years to clear my debt completley. They gave me two options i could go down th DRO…
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Newbie - mind taking a look at my SOA?
Morning all! I've been a keen DFW reader for more than a year now, but I've never really posted. I've finally worked up the courage to post my SOA. I would love any advice or insights you have on it on where I could save a bit more. I am desperate to be free! I live in London with my partner, and we share a 2br flat with a…
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Question re accepted payment offer please
Hi Marlin/Mortimer Clarke have accepted my proposed payment offer for a CCJ they took over from Nothern Rock. Can someone confirm if i should be asking them to confirm the debt will reduce with the payment/annual statements will be received before i start paying or should i just start paying them I have asked them too…
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Monday 28th 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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DCA contacted landlord Re my debt
Hi everyone. I owed £6.95 eBay fees. Totally forgot about it as the eBay account is my husbands and he never checks the account or his emails. Anyway, at weekend my landlord contacted me stating Akinika have contacted him on his home phone number regarding this. He gave me the ref number. I have received no letters or…
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Overdraft Charges
Hi, I recently wrote a thread about my money troubles in the forum... 'Please help 15k debt' I didn't mention I have over the last 2 years had overdraft charges from HSBC of over £600 which I wrote to hsbc using a template from this website asking for it to be returned due to financial hardship. But the replied saying they…
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Do Wescot Purchase the debt? (from LLyds, Halifax) ?
The Debt collection Wescot, when they send you collection letters of debt of credit cards Llyds Tsb and Halifax, and phone calls etc. Have they purchased, (I mean 6+ months since a payment has been made, and arrangement has been made) or they are just acting on behalf on them, with Llyds and Halifax still being the…
