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Default removal and striking a deal with DCA
So I might be posting this in the wrong section but I've had some nasty comments directed to me when posting in other sections so figured those of us at DFW who have made mistakes and are more forgiving might be able to help whilst not looking down their noses at me. I moved abroad in 2012 with £1400 spent on a Natwest…
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Old CC debt - do I owe this or not?
Good morning everyone. I am hoping you will be able to help with my query. I have an old credit card debt with Santander which I defaulted on in 2011. There is a balance of £7000 on it. I am currently attempting to 'get my house in order' so on Monday I phoned Santander with the intention of asking what they would accept…
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Rundles and unpaid council tax
Can some one help me please I'm in a bit of a pickle. I went to step change with a few debts one of which is rundles and unpaid council tax My dad is currently on JSA and I receive no money as I am a full time student. Step change they said they can help with the others just not rundles, yet rundles have given me no way to…
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Wonga debt write off and other payday lenders
Hi all, Hope you're all doing well. There's been lots of talk about Wonga's announcement last week however, I'm interested in what this may mean for other payday lenders. Will they likely follow suit with wiping their customers debt? I know not everyone is thrilled about Wonga's decision, and I do understand why, as those…
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Debt management plan
I currently have a debt managment plan for debts from over 12 years ago. can anyone advise as what would happen if i stopped paying or cancelled the plan. At this moment my credit rating is pretty much back on track, which would tell me that these debts do not show on my credit history. Any advise will be welcome Only one…
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Dmp partial settlements and credit record
We have been on a DMP for the last 3.5 years and are now down to the last £12k which will be paid off by the end of 2015. We recently got several PPI claims come £5k which would clear some of the debt and we could be debt free within the next 6 months. A few of the companies have offered us partial settlements to get rid…
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Wed 8th October - What small DFW things will you do 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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Fed up
Hi I live with my fiancee and 2 children both under 3, I earn nearly £1500 a month take home my fiancee earns £260 a month with a little cleaning job and we get 330 a month in ctax cred and 138 in child benefit but I have no money at the end of the month especially now we have preschool fees too. we have credit cards with…
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Told no debt, however had a letter from debt colector
Hi people. Ok so basically I'm after some advise. My partner and myself were looking to apply for a mortgage so we decided to check our credit reports and also try and think of anything we may owe to anyone. my partners ex was terrible with money and opened numerous accounts in her name and she was sure that he opened an…
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Uneforceable Debt?
Very.co.uk have sold my account to Arrow Global and it is now managed by RMA resolve. I owe apporx £2k made up of mostly interest charges & fees. I opened my account Dec 2008 and have just found my credit agreement which says: Credit Agreement - Your copy to keep This is a credit agreement regulated by the Consumer Credit…
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hate it when people are shocked
Now that I am on top of our debts I feel happier being more open about owing money. Before I used to avoid debt conversations with colleagues etc for fear of judgement. Got into a conversation yesterday about money with some workmates ( I should have known better) and admitted that we owed more than 40K at the start of our…
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FCA Say Stop Paying 3 Debt Management Companies
If you are paying the following companies, the FCA say you should stop. Gregson and Brooke Financial Services Limited One Tick Limited Money Management Service Limited More here: http://www.fca.org.uk/news/customers-of-three-debt-management-firms A lot of us say that you should stop paying any company that charges for a…
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Advice on how to proceed on paying back debts
Hi all, I have just under £9,000 or debt through a few lenders and agencies and would like to start paying this back. Some of the debts date back to 2009. I am not on any debt program and never have been (nor have I ever been bankrupt). I am currently working with a company on a heavily reduced salary for the first few…
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Motor Mile Finance (MMF) Will NOT Stop calling!
Hi all, I'm after some advice please. Motormile Finance keep on calling me incessantly. I was wondering if anyone knew the rules regarding how frequently they are legally allowed to contact me. So far, today, they have called me ten times (Starting at 09:38, with the latest call being at 13:27) Do I have any sort of legal…
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DMP and CDL?
Hi all I am sooooo nearly there, but have hit upon a crisis as my partner has just been made redundant. The business he was working for has failed so he hasn't even been paid for this month and we had no notice! To make it worse, I've just started training to be a health visitor and I have no idea how I'll make ends meet.…
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Drydensfairfax, help please?!
My wife and I made the hard decision in 2009 to give our house back to the bank. The then went on to sell this for £45000 less than we had left on the mortgage. I am nearing the end of a scottish trust deed (similar to an IVA) and my part of the debt has been taken care of. Just out of interest my wife and I did and…
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Council Tax been passed to Equita
I am hoping that someone can help me please. In a nutshell, I have been overpaying my council tax every month since the beginning of the financial year and as I have not paid on the 1st of everymonth the council have passed my outstanding debt (the remainder of my council tax bill ) to Equita for collection. I have written…
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Tuesday 7th October - What small DFW things will you do 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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Urgent help needed County Court Claim Cabot Financial/Hitachi Capital
Hi there. I do hope someone could help with good information what to do in my situation. I received court claim almost 4 weeks ago. I submitted the AOS back on 25/9 and therefor now only got 1 more day before at least have to do defend form online. My problem was I have been very ill for last 2 weeks with flu and also…
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Help out there??
Ok when stacked up i have approx £15,000 of debts...good credit rating and a mortgage. No defaults. The bank wont help until i default. This is credit card and bank over draft. Im currently paying about £220 minimum payment plus bank over draft. I got in touch with a company who are coming to see me Friday for an IVA. But…
