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Received CCJ Summons How Do I Ask To See Evidence Of Debt?
Hello, I have received a court summons for a credit card debt from Lowell Portfolio Ltd. The solicitor on the form is BW Legal. They are claiming I owe over £1k on a credit card debt which I think is wrong. However since I have not used the card since 2011 I cant find any original statements or any paperwork to look over…
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I need a bad credit loan :-(
Hi, I applied for a loan earlier (bad credit) i was declined due to either credit rating/score/affordability. Im just after some advice to be honest, Im applying for a loan to try and clear another loan i have had for about 6 years. This loan was in fact a loan for my ex hence the reluctance to pay it off and i did default…
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Monday 3rd 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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Default on Credit Help
A number of years ago I defaulted on a loan I had with a bank, whom subsequently listed it as a default and sold it on to a credit company to collect the debt called MKDP. Since my account has been with them I have not missed a single payment, yet on my credit account they list me as defaulted every month. Is this fair or…
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Black horse car agreement
Hi, I currently have about 3 years left on a car personal loan with black horse. Stupidly I owe about £5000 more on the loan than the car is worth. I pay £286 a month and rarely use the car. I got into a bad situation with cars and had to change over the finance which is why I owe much more than the car is worth. The car…
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Monday 3rd November 2014 - What small DFW things will you do today?
Dear All When we start our debt free journies it is all about the big things. Cancelling the Sky subscription, cutting up the credit cards. But along the way it can feel harder to take pride in the little things. This thread is here for you to record your day to day small things. The little steps that help us on our way…
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Staying on track over Christmas!
This is the first year that I have really taken my debts seriously so this Christmas will be a new experience for me! The problem is... I LOVE Christmas!! I love all of it - The food, the presents, the decorations, the nights out and the beers wines and spirits! Fortunately we saved for Christmas so there is absolutely no…
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want to be loan free in 6 months
Hi everyone So I currently pay around 360 pounds a month in loan repayments (£150 per month on a lloyds loan, 150 on a santander loan and 60 on a nationwide loan). They all have about a year to go on them but if possible I want to pay them off sooner...thing is I'm 1500 into my overdraft and although my overdraft is…
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Secured Debt on house by ex partner
Hi everyone, I have a property with an ex partner who continued to stay in the house for 2 years after we split. She then disappeared leaving the house in arrears and had ran up numerous bills and left it in a state. I paid off the arrears, fixed it up and spoke to a solicitor to try and get my name soley on the mortgage.…
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Consolidate my debts?
HI, I am looking for advice on the best course of action to minimise my outgoings and decreasing my interest rates. I have three credit cards: 1 - £2400 (spent £2200) TESCO; 2 - £5400 (spent £4600) BARCLAYS; 3 - £3000 (spent £0) HSBC. I also have one loan of £5000 (£800 paid) HSBC. I am currently paying out approximately…
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Keep Going Debt-Busters!!!
Dearest Debt-Busters... Forgive me butting in here but I wanted to say a few words of encouragement (:o) and a little good-bye. Today is my last day at home before I fly to South East Asia :j:j:j to start my life on the road as a digital nomad. I have given up my job, my flat and said good-bye to my friends in order to…
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Advice needed On how to manage this situation
I've just come to the realisation that I am in debt and it's becoming completely unmanageable. I am going to call the national debt helpline in the morning when it opens and seek some advice. This is my statement of affairs including my husbands debts: Barclaycards £6600 Wonga £600 Barclays loan £1500 Provident £1500…
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Recently separated from husband - now in a financial mess
Hi, Could anyone please tell me if my husband should be paying half the mortgage payment. Both my husband and I need to go on either DMP's or IVA's as we can no longer meet the minimum payments on our debts now we have double household bills due to splitting up. The mortgage is repayment only. Not sure if you need more…
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Full and Final..CCA's..so many questions
Hello, I have some questions, and would be grateful for any advice. I have debts with various creditors, which worry me so much. A quick summary of my position is, I had no debts until 3 years ago when I got divorced, lost my job, and basically life took a nose dive! I paid all creditors until August 2013 when financially…
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Home owner in debt - what are my options?
Hi all, I'm hoping to get some financial advice here... I would really appreciate your time in looking through the following details.:) I own a small property (flat) in Dorset and I live in London where I run a charity which is extremely hectic but is my passion. I managed to buy the flat 11 years ago when mortgages were a…
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Is a Debt Relief Order worth doing?
Hi All, I am in the process of filling in a SOA, but wanted to do a quick post here as I need to get everything in order once and for all. To cut a long story short, he is my financial history of my debt: Bought a car on finance in 2003 for around £4000. Car got written off by an uninsured drive, so I had to take out a…
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Selling A Finance Car?!?
Hi All, A bit of advice needed please. I took out finance on a car around 6 months ago. (With MotoNovo). I have around £10,900 left to pay. I think I could get around £8000 for the car. I would like to outright buy an older less expensive car so as to not have the debt hanging over my head and then pay off the rest of the…
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Do you still have your treats?
I'm just wondering how other people who are paying off their debts live? Do you budget for the odd takeaway or meal out or do you not have them at all and throw any extra pennies off your debts?
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Secured loan to clear credit card debt????
Hi I would really appreciate some advice cos I haven slept in weeks.........my husband and I owe £46500 on credit cards/ car loans. They are currently on 0% deals! however are due to come to an end soon. Our current mortgage is £166,000 and our house is worth £400,000, so there is plenty of equity. We have been trying to…
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Santander not allowing Full and Final Settlement
Hello As some of you know, I'm in the process of settling my debts by full and final settlements. I have one account left, Santander for £3800. I offered 29%, which is low, but was pro rata for the rest of the debts. I've had to tell Santander that some settled for more than the pro rata and I don't know whether they'll…
