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Defaulted overdraught
I failed to pay back an overdraft to the halifax of £1100 in 2011. In April of this year 1st credit started a default on my credit report. I called them and they told me it was the Halifax account. I was surprised they could default me without any contact. When spoke to them I told them I disputed the debt as a lot of it…
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O2 Priority
Hi guys, Just a quick question: how many people use O2 Priority and fully benefit from it? The reason I ask is because there is a free energy gel bar available at selected Holland & Barrett stores. Both my partner and I are on O2 so I might get two lots! What DFW offers have been utilised in the past?
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DMP very soon, but now feeling stressed again....Will this feeling ever go away?
Starting DMP end of next month, just in the process of changing bank accounts. After speaking with Stepchange it felt a weight had been lifted of my shoulders but now not so sure, back to sleepless nights and anxiety. This is probably down to me researching on Internet. I had a nightmare last night that my house was on a…
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Breaking the £1000 barrier!
I now finally have less than £1000 owing on my bills! (Except for my overdraft but since that's interest free for two years I'm happy to let that go for a bit...) Bit of a random post but I'm so happy I had to put it somewhere! :j:j:j:j:j:j:j:j
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Stirling park debt collection for council tax
Hi Hoping someone can help me as I have to wait 2 weeks for an appt at cab. I was informed by old neighbour where I used to live that sheriff officers (I live in Scotland) had been knocking on their doors informing them I owe money for an old council tax debt, she knew the rough amount I owe and who it was for (didn't…
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Friday 7 November - 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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Secured Loans – always a bad idea?
Hello all, please be gentle with me as this is my first ever post!... I know that secured loans should be mainly be viewed as a last resort and are rarely a good idea but I think it may be our best option in the following scenario so I would welcome your thoughts: Brief overview – We have a large family (our choice I know)…
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Tesco Credit card ..They have cancelled my card
Hi recieved a letter from Tesco bank today cancelling my card as they have not recieved payment from me ..i am on a dmp with stepchange ..Also tesco say they will send my debt to a Dca and ballifs will turn up ... what do i do to stop this ( baliffs turning up ) it has scared me tonight trish
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County court claim and time barred
Hello Apologies if this is not the right place. I owe 15,000 to a few different creditors in all honestly I haven't made a payment in roughly six years. The idea was to saved to go bankrupt or wait until my debts were statue barred following advice given to me by a debt charity. However today I received a claim form from…
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Contacting Creditors
I recently decided to address the elephant in the room and got my experian credit report. I'd like to contact all of my creditors listed, i have the addresses for them. Where do i start? Are there any templates of any letters i can send to them? Thanks for any help or advice.
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Debt Collection Agency owe me money
Hello, Try and get your heads around this one!! ...... In August this year I was in a position to make full and final settlement offers to my creditors and finally get out of my debt management plan. All was going well until I called metropolitan to get a full and final balance only to be told that I have no authorisation…
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Switching accounts - salary?!
Hello, I've just signed up to switch my current account from Halifax to Natwest but I think I've made a bit of a mistake. Its too late now for me to inform my employer this month that I've changed accounts which means this month's pay (paid on 27th) will be going into the old (by then closed) account. I know that payments…
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Help!
Hi guys :) Newbie here so hoping I'm posting in the right place. Right where do I begin ?! :A Lets start with I'm an idiot no doubt about it. I'm 23 years old and for the past few years I've abused my credit rating. For instance I used to spend hours on the internet applying for everything and anything (payday loans,…
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CCJ from Capquest - wrong address and probably statute barred
Hello May I please have some advice? Whilst at medical school I got into debt and ended up being defaulted on a number of accounts and debts were sent to debt recovery. Fair enough. CapQuest took over my NEXT directory account and wrote to me at my home address and I wrote back asking to start making payments. never got…
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debt managment or IVA
Hi all just a quick question ....I have taken your advise and contacted a debt management company ' stepchange' but a colleague at work has mentioned IVA what is the difference is one better than the other?? ...stepchange have said a plan of £113 a month for 13 years ...but i was told a IVA only runs for 3 years ...seems…
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Need a bit of motivation
Hi all, I've been hovering around here for a while now but been too scared to post in case people think im just stupid :( but I need a bit of motivation now. I'm 23, single mum to a 2.5yo and in quite a lot of debt :( my ex (FOB) got me into it all about 2/3 years ago and I'v been slowly chipping away at it since I got my…
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unpaid student overdraft charge?
I opened a Barclays student overdraft account while studying undergrad but i forgot my PIN and asked them to sent me a new one in my address. I had moved house since then but I did go back to my previous address many times to check if they had received any of my letters but no luck. Then later on my student house was…
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Thursday 6 November - 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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DMP - Thinking of going it alone
Hi I currently owe £12k to 7 Creditors. I am currently with Kensington Financial to whom I pay £150pm, but they charge £60 for the service. I don't see the debt ending anytime soon with their fees. I am thinking of going it alone and was wondering what the best course of action would be. And if I need to write to all the…
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Constant outgoings treadmill
Hi All, I'm a long time lurker on this site, but I feel like I need to vent or moan as its been a rubbish month both financially and personally. I don't know what I expect regarding replies! It just feels I'm on a constant treadmill with finances, keeping up but never getting ahead. I feel that I am quite money savvy and…
