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CCJ - CapQuest/Drysden Fairfax Solicitors
Hi All, Wonder if you can help/advise, Capquest took me to court and won a CCJ 05/03/2015, paperwork was sent to an old address. So the first I heard about it was 31/03/15 when I received a phone call from the Estate Agents who were in the middle of processing my Rental application. They are none too happy as I failed to…
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Advice please on ccj
Hi, my first post so sorry if in the wrong place.I have a catalogue debt with jd Williams which was £100, unfortunately at that time I had a traumatic relationship break up which left me as a single mum with 2 kids. I made an a arrangement a year ago to pay £12 a month but through my own stupid fault I got behind. I had a…
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Friday 3rd 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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Defaults removed after 6 years - Lowell still chasing money...
Hi, Back in early 2008 I defaulted on a few accounts after getting into a bit of a mess. These defaults were removed from my credit file in early 2014 (unsettled). Throughout this time debt collectors have continued to chase me, and i assumed maybe mistakenly, that when the default period of 6 yrs was over and the defaults…
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Asking Barclaycard for a payment arrangement
Hi everybody, I posted a little while back asking for some advice after we'd had a traumatic year last year and it had affected us financially. I'm going to ring Barclaycard in an hour and ask them if they'll allow us to set up a payment arrangement - I was wondering if anybody knows whether they're likely to agree to this…
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Help Please on Council Tax Debt
Can anyone please offer some advise if possible. My wife has debt on her council tax from before we got married on her previous property. We were paying it off monthly as agreed with Swift Credit. However the payment we should have made on 25/3/2015 we forgot to do as I have been recovering from an operation and today had…
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MKPD--I made a mistake?
hi first time here. Please help. My sil has been chased by these people for a debt he does not own. He DID have a lot of debt and that has all been sorted. MKDP sent him a letter without saying what the debt was. We sent a letter asking for copies of the credit agreement. They said that as this was a bank account there was…
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CCA Query
I have a bit of a strange query I took out a catalogue account with Empire Stores (now K and Co) I have defaulted with them and have a balance of around £800 currently being paid by DMP. Here comes the strange part: I (stupidly) took this catalogue account when I was 17 (2007-2008), was accepted and bought items and paid…
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Realising I am still here, still making mistakes, but this time I want to change
So the realisation hits that if I had gone down the iva route when i started dmp around 4-5 years ago I would be nearly done which has really hit me hard :( I have toiled on with my dmp - payments started high but have reduced over time due to pay cuts and general dicking about unable to budget properly, I have direct…
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Help needed re statute barred and MKDP
This is long, involved and currently painful. In Jan 2009 I missed an HSBC managed loan payment. Rang to apologise, was told the loan (huge, £20,000+) had been closed and gone to Metropolitan. I was horrified, sent SAR to HSBC and credit agreement request to HSBC (all signed for with postoffice, copies of the proof of…
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Lloyds Bank & my DMP
Hoping someone here can help out. I've recently set up a DMP with Stepchange who have been really helpful but after reading various things on different debt support forums I'm getting very worried now. My main debt is with Lloyds bank in the form of a loan and credit card. My main worry is that they will keep adding…
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Thursday 2nd 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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Student grant overpayment - 6 years ago - please help!
Hi everyone I can't remember exactly when I first received a letter from SLC saying I had been overpaid, it was at least 6 years ago. Until reading these forums I never realised why this was and assumed it had been a mistake by SLC, but I now realise I did leave a course early in March 2006. When I got the letter due to…
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What's your approach?
I am a dfw. We built up over £10,000 debt through our honeymoon, being on maternity leave, and taking a while to get back into regular work after maternity leave (I am a supply teacher - takes a while to build up contacts, etc). All excuses, all very silly. But, since our lbm right at the end of August, I am proud to say…
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Text from Lowell inviting me to complete a survey
I've just had a text from Lowell inviting me to complete a 3 minutes survey and stating they will phone me to discuss it afterwards?? Anybody else had one of these? I've just set up my own DMP and I this has coincided with it... 1 month in. So I guess this will be one of many attempts to establish telephone contact with me…
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Need some mortgage advice
Hello there can anybody help me! I would like to apply for a mortgage in the near future but recently left a debt management plan. I did not incur a default on the plan which lasted only 6 months before i realised what a detrimental effect it was having on my credit. All arrears are paid off and my credit score is…
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Payplan help!
hey guy's i've been with payplan for 2 months and made 2 payments. I've just received an email from payplan with my creditors decisions on it, only one of them has accepted the rest say unconfirmed which apparently means they haven't replied. I'm worried im sending money to payplan and my creditors haven't accepted? Is it…
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Urgent help needed - CCJ
Hi all, I decided to sign up to Noddle so I could have a nosey at my credit file. I went into the 'public information' section and noticed I have been given a CCJ for the sum of £872 on 16/12/2014!!! It is registered to my old address which I haven't lived at for almost three years. I have phoned the courts and they have…
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Hillesden Securities/DLC What's my next step?
Firstly, I hope this is in the right section but I have noticed similar threads here. I had a business acount with Bank of Scotland with an overdraft of £10,000 opened in 2008. After various personal problems I couldn't spend time on building a business and therefore paying off the overdraft but I did arrange a repayment…
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Question on Assignment of a Debt
I have just come across an old letter dated 30th October 2007 from HSBC about a Debt I had on a FIrst Direct account back in 2005. It was being repaid via their in house collection team but then they passed to Fredrickson who after a few years passed it to another agency and so on. The Debt has now dropped off the credit…
