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Does this mean my debt will be settled?
I've made an offer to settle my debt with a bank. Theyve accepted an amount at 75% ish of the debt. I'm waiting for a letter to confirm before I pay. I asked the man on the phone if the letter will confirm that the debt is settled and he said that it will confirm my account with them is at zero and it will be marked as…
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Robinson Way and a non existent CCJ....
Afternoon all. I'm really hoping someone can offer me some advice. I've been receiving letters from Robinson Day stating that I owe money to HPH Ltd (previously GE Capital) I have no knowledge of this debt, and they are now telling me that it's subject to a County Court Judgement. My partner and I are about to apply for a…
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Help - mobile phone debt with orange
I had a contract phone with orange and in 2013 after complaining for months about having no signal at home they agreed to let me out of the contract with no fees as they had taken down a signal mast by my house. In 2014 I got a letter from Moorcroft for £503 passed on from orange. After lots of phone calls it was agreed…
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Its been a funny old week...
A few things have happened this week that have made me ponder about my changing attitude to credit and money. I popped into the Halifax today and applied for and was given a Clarity Card for my upcoming trip to the states in the summer. Whilst i know this is a sound financial decision i left with an almost heavy heart as i…
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Next Steps After Failure of IVA
My IVA has failed and I have the failure letter. I requested its failure because was wrongly advised to do it in the first place and I lost my job and had various personal issues etc going on. My IVA supervisor was no help to me at all so I have wasted three years as I see it. I'm now working full time again and have been…
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Can you 'hide' an account on online banking?
Hi I have an account with Natwest. It was first opened as a student account in 2005 and I ran up the overdraft to the maximum £2000 whilst studying. So now, the account has been maxed out since I left uni in 2008 (it may have been paid off for a while when I was working full time but now is at -£2000 again).....I'm rubbish…
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Defended Court Claim Statute Barred
Hi, I have recently defended a court claim on the grounds of it being a statute barred debt. The debt company acting on behalf of original creditor has provided a statement clearly showing last payment on the account as February 2009. I have had a letter from the company to acknowledge the defense, but also saying that…
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MKRR Rapid recoveries final demand
Hi, I'm in exactly the same position as your partner, I received a final demand letter from MK Rapid recoveries yesterday stating that as I haven't taken up their offers of help my account is being assessed by their pre-legal department and COULD result in them applying to the courts for a CCJ. The debt they are claiming I…
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Sat/Sun 25th/26th 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 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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closed account outstanding balance?
Hi everyone. I have a closed account with halifax that defaulted in 2010 theres approx £150 on the account,i just wondered if this account is closed by paying the remaining £150 will that improve my credit at all? i am currently back to having "good" credit and wondered if by paying this even though the account is closed…
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Lowell Advice on fraudulent debt
Hi, I wonder if anyone could help/advise? I've had a look around the forum and grabbed a copy of the debt letter that is available, but just wanted to check if I should send it. I received a letter from Lowells to my parents address out of the blue chasing outstanding payment with shop direct. Knowing nothing about this, I…
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First creditor paid off!!! Woooooo
Just sharing my first real milestone towards being debt free!! Today I have cleared one of my debts and that creditor is now GONE. It felt amazing!! Couldn't have done it without the DFW forum :dance: :dance:
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Rma resolve/Nco Resolve
Any advise would be very grateful,my husband had a debt with shop direct which went to Rma resolve and has now been changed to Nco resolve . We have been paying them with out fail for a number of years , he has just had a phone call wanting a financial disclosure never asked before and they have been happy with my husbands…
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Court summons for paid council tax
Hi, I had an unpaid council tax amount which I agreed a payment plan on. I slipped on the plan and stopped paying and had a liability of over £1,000. I panicked in the whole situation and basically hid from it. I didn't open any letters and stupidly hoped it would go away. I recently paid of the amount in full when I came…
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Erroneous Transfer and Debt collector
I was just after some advice about Erroneous transfers please? I signed up via the energy site to the co op, got my welcome pack etc. After I had been with them properly for a month I got a phonecall from npower asking why I'm leaving? I said I'm not even with you so how could I be leaving you? he said oh it says your a…
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basic bank account not linked to others
hi trying to help someone with credit card debts and trying to find out if it is possible to open a basic bank account with a bank that has no link to others. thank you for any advice
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What to pay off next?
Hi Everyone I only have 2 installments left to pay on my loan which I have been paying off for the last 5 years. It was a loan of £10,000 so really happy to finally be rid of it soon. Lets just say it was a very unsuccessful consolidation attempt where I didn't learn my lesson and ended up with debt again. If only i hadn't…
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Loan annual statements
After finally deciding to get my financial affairs in order, I discovered that I have never received an annual statement for my loan. It was only after reading this forum that I knew I should have had one. It was taken out in July 2010 on a 7 year term. After speaking to the bank, it transpires that they have been sending…
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DMP what's the deal with settlement deals?
Hi We were forced to arrange a DMP with Step Change when my husband lost his job and it was obvious we weren't going to cover all our outgoings. So we did the right thing; the creditors bill went right down and we have an arrangement over 16 years. I'm happy to report he now has a job and starts on Monday so our financial…
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Looking for advice - Loan or just snow ball
Hi, After being blessed with a new job in December I have now finally been doing the snowball debt clear down and have hit a good chunk of debt (about £3500 in 5 months). The problem is my credit cards and old bank account overdraft all have really bad APR 21% - 26% I have not used credit now for at least 12 months so am…
