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Really annoyed with a 'debt' I am supposed to owe - help please
:mad: I had a perfect credit score until I started shopping with a major well-known online catalogue. To cut a long story short, I bought some furniture off this said catalogue. Paid back the money on time every month for 11 months. In that time I had accumulated £48 in REWARD Money which I could either buy new goods with…
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Help with Lowell/Bryan Carter, Court Forms & CCA Request
Hi, used to be on here a few years ago but changed emails & cant remember old username so have reregistered. Due to marriage break up, house repossession, old debts from before break up and then newer (5-6yrs old) debts due to having to set up/furnish etc a new home for me and the kids I am now in a lot of debt which I…
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Creditors have sent me a standing order form
Hi, I've just started a self managed DMP. A couple of creditors have forwarded me a standing order form to complete and return. But, I would have thought I would be responsible for setting up a SO arrangement because it is not a direct debit? The creditors bank details are also on the form. Any advice gratefully received.
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notice of default
I've just received a notice of default in regards to a Barclay loan. I have recently set up a dmp with stepchange, first payment is may. My question is really do I do anything? Should I let stepchange know? Barclays know my position and reference number etc. Although I have read a lot of the forum I'm still quite nervous…
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Received money claim for a delivery which never happened
Hello, Please give me some advice as I am speechless of fedex actions. I have ordered an Xmas item where seller choose fedex.Delivery on 20th December 2014.Waited all day nobody delivers. After several contacts they could not locate item for an additional week. Considered item lost I requested refund which was granted. End…
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Moorcroft
I had a debt with Santander for a store card. This debt was sold to Arrow Group and is managed by Moorgroup. I am paying this through Step change as part of my DMP. I have recently discovered there is a discrepency with the balance on this debt. I only realised this as I called Moorcroft for an up to date balance. Its…
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Sat/Sun 11th/12th April - 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 canceling 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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Money claim papers received
Hi there Any help would be great. Partner has received court claim for unpaid tuition for a course he had to leave partway through. When I say part way I mean he did not return following summer term break as he simply could not meet the payments. Over 1500 was paid out of a 2k tuition. He wrote to them notifying and we…
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Think I'm getting the hang of the DFW lifestyle...
Just want to say a massive thank you and how glad I am to have found you wonderful people. (enter cheese emoji here) In the last 4 weeks, I have been doing my upmost to abstain from spending, frittering and chucking money at things I really do not need and instead, making extra payments and chucking surplus at my debts. I…
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Question about walking possession
Have just been watching one of the bailiff TV programs and many times, bailiffs get debtors to sign walking possession orders. I wondered if you HAVE to sign this document and what would happen if you didn't. Would it make the document null and void? Am lucky enough nt to have a debt problem myself it is just pure…
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Default on Credit Report
Hi Guys, I had a credit card with natwest back in 2009, with a limit of £500. Both my credit card and student account with natwest were defaulted they said due to a breach of contract. I believe someone had frauded my account. I admit i had spent the best part of my credit limit of £500, probably around £450. However the…
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Ex cleared joint account and left me with credit card debt
Hi All, Sorry if this is on the wrong board, I just urgently need advice! My (ex)fianc! and I had a joint account, that we were using to pay bills as well as save for a wedding. I was putting in my entire wage, and he was putting in - as it turns out - what ever he saw fit. I had no other accounts, and we had this in place…
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Linked debts? 7 years old?
I have agreed to a f&f settlement with Lowell for a Halifax debt from about 3 years ago, they keep saying they have other linked accounts which need resolving and they want to split my payment across the 3. I have said in writing that no i want it off the Halifax debt as i dispute the others. Anyway, the 2 debts are not on…
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General IVA Query
Hi, I'm in an IVA and am currently paying a dividend of 52p but I have just had a shock historic bill which is going to reduce my dividend payment down to roughly 35p. Am I right in thinking this will mean my IVA will have to be reassessed and could potentially be rejected now? is 35p still a good return or should I be…
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Friday 10th April - 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 canceling 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 managed DMP Defaults Help
Hi, I am currently in a self managed DMP, I was wondering if I could have some advise on obtaining defaults on my account. I have 10 creditors 6 have defaulted already, most within the first few months. 4 currently haven't, these are barclaycard, vanquis, payday uk and ladder loans. I've read that a default will fall off…
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Opinions please
Hi all, Managed to clear most of my debt and now have a 0% credit card with ~£600, an argos card with £300 interest free and a loan which is being paid off at £256/month for another ~2 years. Trying to save for a deposit at the moment so have managed to put away ~£650 and have £210 at the moment to go towards the argos…
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Another Foolish Newbie Here!
Hi all Having started out life as a saver, from a family who valued education as the best way to put a £ in the bank, but had very few of said ££s, I had a long and tumultuous marriage with a guy who lived for the day and spent everything before it hit his pocket, and I joined him in spendthrift ways. Now I've come out the…
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Seemingly still endless
Hello all, I have mostly lurked around this site but made the odd post last year, i set myself up with a DMP last year with SC after reading alot of good advice on this forum. On the whole, things are going fairly well, I've had to adjust the DMP payments down a little a few months ago, as i was living to a budget so…
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Such a shame
The way things are going in my financial life, I can't complain. Everything seems so much more comfortable since joining this forum. I don't have a good salary, but with overtime and callouts, my average monthly take-home is around £1,900. Money's really good. I'm not sure i've grasped the paying off the debts thing…
