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CCJ advice - Cabot on maybe statute barred debt
Hi, I have received court papers for a CCJ, which is being applied for by Cabot Financial. They took over a defaulted debt which I had with Capital One. I cannot remember the exact date at which the default was issued but it was over 6 years ago and I have checked all 3 credit reports today and the debt no longer appears…
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Bryan Carter LLP / Lowell Portfolio
Evening All, I have been in an exchange of correspondence with the post title named party in regards to an old debt from a Capital One Credit Card taken out in c. 2002. Cutting a long story very short, I made payments on this until c. Feb 2010 so am aware this is not statute barred. This, due to the timescales involved,…
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YNAB Alternative?
Hi, We had a go at downloading YNAB and after some playing around with it decided it wasn't for us. Can anyone recommend any other software that is available with both android and apple apps available please? We currently use Moneywiz but we're having issues with it not updating and things. Thanks in advance.
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Credit Card debt to Overdraft - or just pay of Credit card
Hello, I have got myself in a bit of a pickle. which one will be the cheaper option. I have a CC debt of £1300, Which is charging my 12.95% interest. I have access to 2k in my OD, I haven't gone into it yet but when I do it charges me £15 a month Would it be wise to pay off my CC with my OD, or just pay off the CC as I…
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BH Monday 25th May 2015 - 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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Allen Carr get out of debt now
Any one ever read this book? I now some people who have given up smoking with the help of this method and wondered if it was worth buying.
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Nco/amex
I am in the last 4 months of a DMP with StepChange started just under 6 years ago having repaid £70,000 and cleared 8 of my 11 debts. I have three remaining debts, these are the ones which reduced interest but didn't cancel it. Two of these are for a Barclaycard Mastercard and Visa Card. Barclaycard have sent me monthly…
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Partial Settlement
Hi I have been in dispute over credit card debts for a few years, got to the stage now where I am negotiating reduced settlement to write off the debt with no further action taken from creditors to pursue. I have agreed to pay £750 in principal on an o/s balance of just over £2200, they have informed me my credit file will…
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A message of support
Hi DFW'ers, I graduated from the debt free wannabes forums about 6 months ago. I had constantly been in debt all my adult life, from the age of 18, until the age of 30. Here's a summary of my borrowing: Got x 2 overdrafts of 2k = £4k in total Got a 5k loan to help an existing business Got a 2k credit card to set up a…
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Statute barred
My house was repossessed 4 years ago with a shortfall on the mortgage of £45000 I have never been contacted by the the mortgage company, it is currently on my credit file as owing £250,000 which would have been the original debt before it was sold and no Ccjs has been issued, does this mean in 2 years I would come under…
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JBW - Council Tax
Hi. I have received a text message this morning saying that my account will shortly be issued to an enforcement afent to visit your home. Contact JBW My story is that hounslow council said that they owed us £312 for the previously flat that we rented and had moved out from in 25 July 2014. I had filled in the moving out…
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ALL benefits stopped. Now what?
I have just recently moved into a new house (rented) and started living with someone who was previously on benefits...employment and support allowance, housing benefit, council tax reduction, free prescriptions/dental/eye tests and warm home discount. It was all worth around £12,000 per year.... I don't claim any benefits…
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Part Settled
Hi, Just spoke to one of my debtors Robinson Way on behalf of Santander chasing a £976 overdraft. They have offered me a discount over 4 months meaning I'll only pay £745, it's not ideal but I'd rather struggle now and pay £186 a month and save £200 in the long run etc. However, something the fella said on the phone was…
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Sat/Sun 23rd/24th May 2015 - What small DFW things will you do this weekend?
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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Mortgage shortfall advice
Hi, This site is really useful, thanks guys! My house was repossessed in 2011. In 2013, Skipton sold it and a shortfall of £47,000 was left. I was rubbish at handling the situation and got to the point that they got a CCJ. Since then (beginning of last year), I have been paying £177 every month. The problem is twofold, I…
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feeling hopeless
Hi everyone, I'm new to this and need some much needed advice. I have ran up around £12k in debt. This has only been in the last year (Nothing to show for it but the feeling of guilt). I told my partner back in Oct 14. He agreed to contribute as £1/2k was his and he also said if both of us were paying for it, it would…
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Debt Settlement Companies Help
Hi I currently have a debt management plan with stepchange and am totally confused by what is going on. i want my debts to be paid off. However there are charges still being put on to my accounts and it seems like i am still in the trap of never paying off my debt. The estimated date is over 8 years. But I actually owe…
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Tortoise or the hare?
Hi All So, the last month has been a bit of an interesting one and I was hoping for some opinions on a situation I have now. Essentially, I was made redundant on 30th April and initially, I was concerned about we would do. Thankfully, I work in a fairly niche industry and I have a new job lined up to start on the 1st June,…
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Friday 22nd May - 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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Barclaycard(was Egg) say they don't have to send statements
Hi, I am hoping someone can shed some light on the legalities of this please. We are on a DMP with Stepchange and receive yearly statements from all our creditors except Barclaycard. We had two cards with EGG who were taken over by Barclaycard. We hadn't had a statement for years, so, worried they may be charging interest…
