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Shoosmiths LLP Solicitors
Hi, I have a MBNA credit card that has been passed on through a number of DCA's and is now with Shoosmiths LLP. I was paying the previous DCA Wescot £36.50 a month off a £3500 debt but was stupidly late with a couple of cheques. However, I am on track again and am sending Shoosmiths £75 a month. 3 months later, they are…
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Trying to negotiate with Marlin Financial
Long story short I was self employed when the recession hit and my finances took the brunt of it. Now I'm in full time employment and with the help of this forum I'm rectifying my wrongs and my credit score improved by over a hundred points in the last two weeks alone. However there's one stumbling block - Marlin Financial…
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Paying off Debt Collection Companies
Some years ago I made some bad decisions and ended up getting credit cards. I defaulted and these were sold to debt collection agencies. (Lowells etc). I seem to have been paying these for 8 years and still not getting any lower (or so it seems). I will be paying these off for years to come. I recently tried for a loan to…
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Help and advice please - struggling :(
Hi all, myself and my OH were coping okay with our repayments, until earlier this year when the dreaded thing happened; I los my job. I am trying very hard t find work and have applied for so many jobs, without hearing even a response from many. We have catalogue debts, credit cards and loans, and its becoming apparent…
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NDR and Very
Hi All, Looking for some advice. I had a 36 month payment plan with Very for £50 per 4 weeks which I didnt think was due to expire till next year. I wrote to them last month asking for a full and final settlement figure as I had got a loan and had £1500 after paying off all other debts. They said no it was £3200. I just…
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Could do with some advice regarding final payments
Hi guys, Long !!! lurker here, but I've finally decided to drop in a post because honestly I don't know if I'm barking up the wrong tree here. So stupidly, as the story goes I got myself into lots of debt whilst working in a part time job out of uni (used credit to live on) and it snowballed, as it does. I'm now making…
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Debt we don't owe!
So basically two years ago my partner landed himself into debt with Npower and this got passed on to Wescots when he didn't pay it. The debt was around the £300 mark. Me and my partner were living together at this point but we had come to a payment plan of 20 pounds per fortnight and we slowly paid the debt off. Our final…
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MMF - Harassment?
Hi all, What constitutes as harassment from a DCA? Today, between 11:08 and 11:56 Motor Mile Finance have phoned me 9 times and text twice. I don't think I've ever had a DCA be so persistent! Have a good Monday everyone :-) TTP
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Monday 18th August - what small DFW things will you be doing today
When we start out on the DFW 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 progress, when…
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In need of advice with Full and Final Payments/Partial settlement please!!
Hi guys! Newbie here so please go steady with me, I didn't know where else to go for sound advice :) Here is our position, me and my Hubby owe around 15k on a Santander OD, Santander CC, Santander UPL and Barclays UPL. We started making reduced payments through Step change in March 2011 as my Husband was medically…
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long distance selling regularions,
Query with regards to the long distance selling regulations, which state then when an item is purchased that certain details including the cancellation policy should be provided in writing or by email. however... I quote........ Failure to provide this information by the trader will entitle you to a much longer period in…
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Where to start to cut down and decrease debt?
Hi MSE's, I am feeling very lost and confused as I have reached a point in my life where I don't know what to do financially. I have gone through life, gaining small amounts of debt on top of each other and without budgets and I am now in a position where I want to turn it all around but don't know where to start. What…
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Definition of `Credit`
So if we were to purchase something online and the item returned to a company for a refund and they say yes return it and we will `credit` you. Does that mean that your bank would be credited back the refund. It now appears that the company is sitting on my money and saying I have a credit on their account to purchase…
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Daniel Silverman trouble with car insurance
I took out car insurance with insure you motor. Everything went well, I sent my documents to them that they requested to finalise the contract. Due to my job I had to leave the for a month, on my return I had a letter from them stating they did receive the documents and therefore canceled the contract. After which I had to…
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Weekly Spend Challenge W/C 17 August 2014
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. Everyone is welcome here. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it…
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Debt Problems
Hello my name is Josh. First off I suppose a context and then what my debts are would be appropriate, so here goes. In December 2013 it was suspected I had epilepsy this meant my agency employer couldn't find any work for me this meant I went from earning £400 AT to less than a £100 AT. I foolishly in hindsight used my…
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Lowell .. Advice pleas
I am being chased for a debt from Lowell I have no knowledge of the debt and have sent a prove it letter the response I got from Lowell was the following to my astonishment !! Dear xxxxxx Thank you for your letter dated xxxxxx We understand that you have no knowledge of this debt and request closure or proof of the debt or…
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Debt reflection 8 years on
Today I reflected on the last 8 years , I took a further card out and by the the end of 2006 I owed 72000 entered a pay for dmp learned very quickly that all the rules laid do not apply when you in debt complain about your treatment told prove it had defaults threaten with court phoned 22 times a day from 8 in the morning…
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DG Solicitors discounted settlement offer
Hi guys, I'm another newbie :cool: I have a loan with HSBC which I defaulted in June 2009. I've been paying off the CCJ via 'DG Solicitors' for ages now- it was originally about £8000 and is now down to about £1500. DG have been sending the odd letter for the last few years basically offering a settlement as a discounted…
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Poor Credit Rating
Hello everyone :) Usually lurk forums on occasion. Looking for some assistance this time round. Long story short, after some poor decisions (mainly helping others) my own finances have got out of hand. I put no blame onto anyone else but myself for not realizing there is a limit to helpful one can be without impacting on…
