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No debt, but Bailiff still persists
Here's an unusual situation. My wife had two parking fines. She thought she had resolved them both with the Council. Months later, a Bailiff shows up claiming that these two fines are outstanding and we need to pay charges amounting to over £500. There were no notices in the interim about the outstanding fines. We phoned…
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Struggling to understand why i would not pay off student loan early?
Hi All, I have been through a long battle to clear debts over the past few years (cc/od's/loans) and I am now near the end of my journey. I have now no outstanding debt apart from my mortgage and my student loan. I am seriously considering trying to clear my student loan which only has about £550 left on it, however the…
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Valid Reason For Setting Aside A CCJ
Hello, I'm asking a question again because a previous thread I created was perhaps worded too ambiguously and no answers managed to get to the heart of the matter. My wife had a CCJ against her that we recently discovered. The court ruled in favour of the organization who requested it about 5 and a half years ago but my…
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Question for folks on DMP.......New Bank Account
Hi, im currently in the early stages of a DMP, just need to send copy of payslip and sign relevant forms. I was advised off Stepchange to open a new bank account and transfer wages, direct debits over due to me having an arranged overdraft with Lloyds Bank. Any recommendations........My credit score is trashed due to AP in…
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DCA payment plan
Hi I have been exchanging letters and emails with Lowell Financial for the past 3 months now for 2 debts worth around £2500. I have stuck to my guns offering very low figures but the biggest discount they will agree to for a full and final settlement is 20%. This leaves £2000 which is still unaffordable. They have also…
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advice
hi everyone, I have loans with the following people which I am struggling to pay at the moment. The companies are Smartloan £204 a month Savvy £176 Pounds to pocket £176 Sunny £303 Wage day advance £82 Payday UK £519.11 118 118 £109 I would really appreciate advice on whether to go with payplan and do a debt management…
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Barclaycard
Hello all I'm six months in to a whopping DMP (with Stepchange). All going fine - have now been defaulted by Llloyds and MBNA. However, Barclaycard are still charging me interest and wont default me. From reading through posts on here I understand why they wont and it seems the advice to "speed up " the default is to drop…
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CCJ Recorded - Advice Welcomed
I am looking to get a Mortgage soon, so bought my Credit Reports from Experian, Equifax, and Call Credit to see if there was anything major. There were three things - Equifax had linked me to someone else, there was an unexplained credit search from a company I had no dealings with, and, the big one, there was a CCJ…
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Help!
Hi I'm new to the forum and I'm wanting advice! I got a loan around a year ago for £3,500 which I borrowed out for 2 years, I make monthly payments of £180. I also have a credit card which has £5,500 on which I pay the minimum payment monthly. I have an overdraft of £900 which I'm constantly in. My debt is my own fault the…
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Dmp help
Hi everyone wonder if you can help me. Just over 6 years ago I found myself in debt with credit cards and in a way to get it sorted I joined a debt management company. I was told I should be debt free within 5 years which isnt the case and the amount I owed dosent seem to have come down alot. Checking my statement's they…
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Wages Arrestments - Council and CSA
Hi there everyone, I'm new and not sure if this is the correct thread so please correct me if I'm wrong! I'm posting on behalf of my partner who is in a bit of a pickle having received 2 separate earnings arrestment orders, one from the CSA and one from Scott and Co. He is the person in the office most often and has both…
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Guidance on figures for a SOA
I remember ages ago the National Debtline rep said something about the guidance figures they use. Anyone know where I can find this? Been searching & searching! Thanks
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Wednesday 5th 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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Making repayments but it wont show on my credit report
Hi, I recently decided to do a credit report to attempt to clear my debts and improve my credit score from 1/5 as I want to get on the property ladder. I had 4 outstanding debts all in default. I contacted three of them and agreed a payment plan which shows on my credit score. I then contacted the biggest debt (£1300)…
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CCJ With Incorrect Amount
Hello, My wife found that she had a CCJ that she didn't know about when checking her credit file for the first time this year. The CCJ was more than 5 years old. After investigating, we discovered that the CCJ was for fees for a course that she had registered for and ended soon after starting. The fees were for the amount…
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how much f&f and how??
i have a debt with HSBC that has been sold on multiple times, it totals £6315.40. My parents have agreed to help me pay this off with a full and final settlement for as low as i can get it (as my christmas present for the next few years). its my biggest debt so this will help me massively. How do i go about making the…
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Very....telephone call charges
My friend was late paying her monthly payment to Very, she just completely forgot. They called her to ask why and she paid it. Fast forward to her next statement and they have charged her £12.50 for calling her?! I'm guessing that will be in the very tiny small print and lesson learned? Or can she dispute it?
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a wee question...
Hello everyone. Hope all the dfw's are doing well with their journeys. I wonder if anyone can help, on my credit file I still have a couple of defaults which I'm paying off, a couple of satisfied defaults, and of course my old friend a satisfied ccj. I'm on the electoral roll. I have heard somewhere that if I was to try…
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Debt
So, my husband and I have a credit card and it's in his name (but I also have a card). He's been at sea for last few months and I finally logged into his account to look at statement. We owe around £6,000. Although, I did pay £700 off straight away. I probably owe next around £1k. I'm a stay at home mum at the moment - we…
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Credit report viewed now in tears......
Well as some of you already know I have found the courage to contact Step Change to arrange DMP. Tonight I have also plucked up the courage to check my Experian Credit Report and Score.......now I'm in tears......Score was 221 (very poor) last year it was very good. Report states 6 late payments however I have noticed…
