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Am I liable? Claim form received
Hi, I have received a summons claiming under £1000 which it is alleged was run up on a credit card. Lowells claim that they bought the debt in January 2009. I have checked my Experian credit file a while back and there were no defaults at all. The file history is clear. My bank also checked it for me 18 months ago and said…
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Sat 25th/Sun 26th What small things will you do this weekend?
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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Debt owed t southern Water DCA moorcroft
Hi all I owe £167.08 to Southern Water Services. This is for the full year. It has been passed on to DCA and I am not sure what to do. Option: ring southern Water pay off the amount and not even bother contacting the DCA and leave them hanging for their so called 'admin' fee of 45£. Not had this situation before and any…
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Drydensfairfax
I have an old unsecured loan that I haven't made any payments to for just under 4 years now. I did have an agreement with CCCS? under which i was making small payments but was still getting letters telling me I wasn't paying enough. As I said just under 4 years ago I stopped payments altogether. I have since moved house…
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CCJ but wrong identity, need urgent advice
My other half has just had a court judgement against her but it isn't her and we do not know what to do, we are very worried about it and need help. It relates to a company called 1st Credit who claimed she owed a debt relating to a credit card from another company called Opus. The debt does NOT belong to her and she told…
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24 and debt has ruined my life
Hello, my names Jason and I am 24. Since I can remember I have always been in my over draft and had a credit card. Then the last year or so my debt has spiralled out of control, I have a loan worth £3500, a credit card of £950, and 6 phone monthly phone contracts (I would take out the contract, sell the phone and use the…
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Money Advice Service (MAS) The Standard Financial Statement Consultation
Hi The (or maybe a) Standard Financial Statement looking closer as the MAS consultation gets underway https://www.moneyadviceservice.org.uk/en/static/standard-financial-statement-consultation This development could turn out to be very significant indeed with potential implications and perhaps ramifications as a result.…
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Starting out
Hi. I currently live with my partner, but my debts have reached such a massive amount for various reasons over the last few years that I am now going to be starting out again on my own. Just trying to get my head around the order to do things in. I have spoken to Stepchange who have advised an IVA, but due to the shame of…
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Average percentage for settlement figures
I know this is a 'piece of string' question but I'm just curious. What percentages has anyone been offered for a settlement figure for a credit card debt?
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A Hopeful Journey To Being Debt Free
Ive been a little clumsy with my credit in the past. and it came to the point where i thought, lets peek at my credit report so logged onto Noddle. Totaled up my debt and contacted stepchange. I have to say so far it has been easy to get the information in to them. Ive called all my debtors and advised them that i was…
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Advice with settlement letter
I received a letter today from the DCA with regards to the smallest of my credit card debts. It says...... Following a review of your account, we may be able to offer a discount to satisfy your debt balance. Should you agree a short settlement with us, your credit file will be marked on clearance of your agreed payment as…
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2015
Just wondered if anyone has had any thoughts about next years personal or debt managing challenges my mind keeps wandering past Christmas and new year now probably as we are in limbo waiting to hear about our DMP being set up. Mine will definitely be to build my emergency pot. Too save for birthdays and other occasions…
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Old debt from 2005 going to court
HI guys I have a debt from back in 2005 the debt was from Next I know if its over 6 years it becomes statute barred but im not sure if I paid anything in the last 6 years, at one point I did have a debt company make payments for me but im nt sure what year that was. I have had a county court letter now, its asking me if I…
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Anxiety and Debt Free Wannabe
So much going round in my mind I thought I would start a diary and hope that I can list everything that is worrying me on my new thread. Don't get me wrong I'm not in a big financial mess and I'm not going to loose my home but do have personal debts that worry me. My story - I have a well paid job but unfortunately my…
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getting a visit from the bailiff
I got a letter from the court/bailiff office saying they will come and take my goods if I don't pay the amount owed. I'm happy to pay but cannot pay in full and I've tried to call but nobody answers and now the office is closed. Are there other people I can call to get the issue sorted before the weekend? The funny thing…
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Student, Money Problems, Need Help/Advice
Hi, I am a 20yr old student, I failed 1 of my modules and thus have to ultimately take a year out to resit that module before I can proceed onto 3rd year. What this has meant is I do not get any student finance for the year or any grants etc. I have a part time job but that is only paying minimum wage and at the moment…
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Information order
If you are paying the CCJ and have not defaulted on it, can the creditor still ask for an information order? (order to obtain information)
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Please help!!! - CCJ claim form for Nationwide debt on DMP
I just received a county court claim form today for £3838.37 inc court fee. The account is a credit card with nationwide, it was passed to Shoosmiths LLP and despite me telling them we have a DMP (and paying it) they have gone ahead with legal action. I am so scared, what do I do? There is no way I can pay that amount!!!!…
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Friday 24 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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Self Employed In A Pickle Any Advice
After some advice or guidance of the best route to take, Ive been self employed since 2004 the first years of which I had a dodgy accountant which left me with a few problems which were a struggle to resolve. Ive got a VAT bill which Ive sort of ignored because didnt have the money but got out of hand. I offered to pay a…
