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Cabot Financial Final Settlement Letter
Hi, I'm hoping someone can help. I'm on a debt management plan with Payplan and I have about 5 creditors and pay a total of £100 per month which is then divided between them all. My biggest debt is with Cabot Financial, the amount I currently owe is £15,409.72. They sent me a letter a week ago offering me to pay £6,163.89…
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Severe Issue With HMRC regarding underpaid tax
Not sure if this is the best place to post this, but here goes. I recently received 3 letters from HMRC about penalties for late self assessment returns for years ending 2012, 2013 & 2014. Now,I have never been self employed and was working Full Time until June 2013 before going on holiday and returning in September to…
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rossendales help please
I received a letter out of the blue about 6 weeks ago from these people relating to a council tax bill going back 5 years. I've no idea why it has taken so long to catch up with me as I've been up to date with council tax for last few years. I was going through a difficult time back then, so that's perhaps why it slipped…
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Debt juggling
Advice please regarding debt juggling: A quick summary of my current position: Following a spate of home improvements I have a couple of debts left over summarised as follows: A 0% rate credit card holding around £5K which is almost at its limit, 30 months left of the interest free period, currently paying around £100 per…
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Offered DMP by stepchange
Hi all, My better half has recently been performance managed out of her job earning 18K so we are now going to be short for our 41K debts. Stepchange have said that they will complete a DMP for us and we should open a new account to take my salary (24.5K) to stop problems with main bank. I have no experience of this…
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WWWW Thread - Weekly Wonga Wednesday Workout - 1 hour challenge - 15/04/15
After a week off I'm back on the WWWW wagon this week :T This weeks list is .... - list 2 things on ebay - check bank accounts - call Sky re call divert - update signature - get accurate interest rate and tie in info for credit cards and mortgages - Santander - done. Todo - Halifax OD, Mortgage 1, Mortgage 2 - check what…
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Wednesday 15th 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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7 year debt
Hi, my wife has been getting debt letters from a debt agency stemming from a vodafone mistake in 2007. We stay in Scotland and it was my understanding that this debt would now be time barred and gone. I have read some threads mentioning a pro forma letter, could anyone share this to get rid of this agency? Also, how would…
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SB or Not SB
First time poster and some advice is needed. Basics:Lloyds TSB overdraft (closed bank account) lowell portfolio- BW legal representing I closed the account however there was a standing order that kept ticking over which took me over the overdraft limit. Ended up as £586 – lowell have trumpet this up to £843 Llyds TSB –…
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Rental referencing
Wondered if any dfw'ers have had any recent experiences in renting. I'm a bit scared by the application process as I fear they'll laugh me out the door. What are your experiences and an tips you could share I don't have ccjs but will shortly have a default as well as arrangement to pay markers and the usual issues on…
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Stressed & Struggling!!
I'm new to this but been reading through the threads and trying to make myself feel better by getting some inspiration but it's just not working! I don't have a the biggest amount of debt (£4280) but compared to my income and outgoings, it feels impossible to get rid of! I feel like I'm a hole I can't get out of but want…
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CCA Request success
I have been helping a friend with a CCA request. To give a brief history, he and his now ex wife had a credit card account with NatWest in about 1996. He was made redundant in 1997 and defaulted on the account. The debt was about £5k. It was passed to debt collectors and he has been paying £12 a month to the debt…
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Welcome Finance
Hi Has anyone else got an old debt with Welcome Finance and had it moved to a new company? I was thinking of asking for a final settlement figure but I was wondering if others had already done this and the how much it is likely to be. The debt is about £4k. Thanks S
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belated default
Hi, Just noticed that my outstanding debt with santander has not been defaulted after 6 months of actually defaulting. It is on my Experian report as over 6 late payments. Are they just delaying putting a default on the account so they can continue to use it as a threat? Im aware a default will on my file for 6 years from…
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Tuesday 14th 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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Will life always be like this
It's been a tough few weeks since first posting on here. The acknowledgement of my position led to many sleepless nights, tears, anger at myself and complete disbelief at how I let things get so bad. Two years ago, I was earning around £40K, owed around £5K in credit cards and found myself single after 15 years. Instead of…
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is it better to have a payment arrangement?
Hi, Please don't bite my head off.... I have 3 settled defaults and 2 current/outstanding defaulted accounts for approx £1200 each. I am currently paying nothing towards them. No interest or charges are accruing. I plan to pay them off in next March, 2016 but am currently paying nothing at all. Will it improve my credit…
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very stressed MSE newbie
I am new here and if I am honest I just need somewhere to offload how I am feeling about the debt that my wife and I are in. We are in mid thirties with a child and our debt has built up over the last 6-7 years (I will go into details in later posts) and we are now at the stage where we have debts of around 45K between the…
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Outstanding Debt
When I left the armed forces in 2008 I applied to be a driving instructor with RED the instructor college (who I believe have since gone into liquidation) the cost of the course was over 7,000 depending on whether I passed a CRB check which I did not as I have a previous conviction. I sent the relevant paperwork with my…
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Recently discovered debt of terminally ill parent
I don't really know where to begin in all honesty. I will try and keep this as short and concise as possible but please bear with me as my head is like mush as our whole world has been turned around in under 3 weeks! Approximately 3 weeks ago my dad started acting strangely, we eventually got him to the Drs, after a lot of…
