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Bit of a pickle
Hi I am new to this forum but could do with some help if possible. I had a personal loan that due to my financial situation at the time I could not afford to repay. I ignored the letters etc that came through for it and tried to forget about it thinking it would just go away! Obviously it didn't but I am now in the process…
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Thursday 30th 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 advise needed! Bailiffs turned up last night.
I must apologise if this is the wrong place to post this, but I am sure debt free is wanted! This thread is being written for a friend that's in panic. Last night she had bailiffs turn up on her doorstep, saying they've gone through the courts and she has to pay £2k in a weeks time (so 6 days from now) Or they're getting a…
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Buchanan Clark & Wells hassling parents
My mum has received several letters from Buchanan Clark & Wells about a debt which they say refers to my husband, and that they got his address from a credit file search. He has never lived at that address but he does get some mail directed there, as we now live overseas. They say it's for an EON debt of 15 pounds, but…
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credit cards balance transfer
Hi, can anyone help me my mum wants to help me pay off my credit cards as my credit isn't very good she was thinking off applying for a credit card and doing a balance transfer - would this be possible?
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want to speed up my debt free journey
The last 6 years have been a financial nightmare....had my LBM (though to a certain extent it was switched on for me lol) and as a result I've got a number of payment agreements in place. All good - payments all up to date - balances slowly coming down. This is all well and good but I want to enjoy life and I can't do that…
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Order for sale
Hi everyone, I have a charging order in place and have been paying a regular sum to the company for around 12 months now . The outstanding sum is around £4000 and have recentley lost my job, we didn't have a formal arragement in place and the company are now threatening me with arrears. My question is what can they do to…
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Lowell - T-mobile
Hello I had signed up for a mobile network provider in 2007 and in 2012 i cancelled my contract over the telephone as I had to leave the country for my treatment as I was terminally ill. I thought of continuing the contract and hence kept my direct debit still going- however, due to dispute with the charges for receiving…
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Lowell financial on behalf of T-Mobile
Hi In the past I've found a lot of help on this site so I hope you guys might be able to advise me again. In 2010 i had a contract with t mobile, in the September I ran up a bill for approx £85 and they cut me off. I was out of work so couldn't afford to pay it but in the October I started a new job so agreed to pay off…
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Wednesday 29 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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High Court Enforcement fees
Hi, I owe £2208.95 to hcegroup. The original debt is only £1400. Below is a breakdown of fees. Is there anyway I can get out of the fees? Further to our telephone conversation, please see below a Breakdown of Fees: Command Figure £1,403.00 Costs of Execution £111.75 Accrued Interest £112.18 Poundage £51.81 Seizure Fee…
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Debt Collectors came to house
I Came home today to find a hand delivered letter from SSY Enforcement Ltd. They left a Formal Notice Letter and a list of Goods taken into control. It said in the letter they want full settlement of £451 by seven days or they will come back and cease the goods. Have debt collectors got the power to do this even with a CCJ…
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bailiff payment, fees etc
ok long story but I had a bailiff visit in relation to an unpaid magistrates court fine for no tv licence. the balance including fees etc is £703. they agreed to do nothing as long as I paid in full by 31st October. I can physically pay it on the 31st, but that and my rent literally equals my income, to within £5, so would…
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Mobile company 3 using a debt recovery company called C.A.R.S to chase money from me
About 14 months ago I bought a temporary wireless thing to use when I moved into my new home whilst my proper broadband supply got sorted out. It was with the mobile company 3 and it was a monthly rolling contract so I could cancel with one months notice at anytime. I only planned to use it for the first month until my…
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Self managed or Company DMP
Hi all I have read quite a few posts about the pros and cons of self managed DMPs and am considering it but not sure if it is too risky. We have been in a DMP with Step Change since 2012 and they have been very supportive and helpful. There are one or two aspects of the way they allocate payments that are causing problems…
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Are DCA's allowed to add/charge interest?
As title really, are debt collectors allowed to add interest and charges onto your debt?
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Can anyone advise me on a way forward?
Hi, A taxi company are hounding me, and I'm not sure what to do. Access to Work pay for my taxis to work. They are supposed to pay a certain percentage, and the rest be paid by my work. The only action I have is to confirm that I worked the dates that are claimed for. I've been doing this all year. The taxi company…
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pre payment meter.
Hello everyone, My Mother is getting a prepayment thingy installed for her gas and electric tomorrow due to not paying her bills. I am totally confused as to what this will cost, and I want to help her out by paying half of the bills. I know it depends on the tarrif, and also fitting charges/standing charges/paying off…
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The Future Starts Today
After years of excuses (some genuine, others not so much), avoidance, two steps forward followed by one back I've got to a place where I can realistically clear my debts. Have paid off a £10K loan and transferred most expensive of 3 credit cards onto the 2 others which is a massive saving, so now going to just chip away at…
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Debt not being chased affecting credit score
I have been looking to get a mortgage with the girlfriend to buy a new house as we have found out we are expecting and to no surprise of my mine, we were rejected with me failing the credit check. I was sort of expecting this as I was aware of an overdraft that I had with Lloyds TSB I never managed to pay back. At the time…
