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Debt Guard Solicitors - anybody any info
Does anybody have any info on the way debt Guard Solicitors work, they are part of Irwin Mitchel, It looks like its a self sevice way a company can issue a collection letter through what appears to be an official solicitor as a way of intimidating somebody into paying up. Any thoughts would be appreciated. Cheers
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Statute Barred - United Utilities Default!
I apologise in advance as i have already posted this on the Energy page but just need some advice as i found myself in this situation. I had a huge shock last week when i checked my experian credit file, i have spent the last few years getting all my finances in order so that we can move house next year. Only to find this…
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About to embark on becoming Debt free - where to start?
Hi there, Am completely new to this site. After making many financial mistakes in my early 20s (living beyond my means) and burying my head in the sand for many years after it, I am now wanting to face my debts head on, and pay them off with the view of potentially getting onto the property ladder by 40. (giving myself a 6…
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How should a DCA be recording with the credit reference agencies?
Hi, I was wondering if anyone knew how a debt colelction agency who have bought the debt should be recording with the credit reference agencies? I have two which have been bought and they are both being shown differently. The first one is being shown with a default each month (red marker) and the other suggests I am on an…
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Tuesday 19th 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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New car on DMP, how?
We fear it will be uneconomic to fix the clutch and whatever else has gone in our 14year old car, but all the ones on Red Potato (our DMP is with pay plan) are so expensive. We need a runaround to fit a family of 5 (not needed for work just to visit disabled mother and other family, shopping, kids activities, but how does…
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Spare Money
Hi all, Just wanted to ask a quick question to get everyone's angle on this. I am currently in a plan that will see my £6k debt paid off by Nov15 The thing is, with all my payments im left with around £15 per week spare cash. I get free meals at work (2 meals 5 times a week) so my food bill is for 2 days a week. I struggle…
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Summons received - Sar or CCA?
Hi all, I have received a Scottish court summons for small claims for an old Vanquis debt taken out in 2006 for the sum of £1625 In May 2009 I became unemployed, which lasted 12 months, until I found a place on a work programme which lasted 6 months until Jan 2011. I was then unemployed again for 2 years until Mar 2013. I…
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Pre 2007 CCA - reconstructed?
HI there, sorry if this has been asked lots of times before, I did have a quick scan but couldn't see it answered: I have lots of creditors (10/11) and a rather large debt, all of which went into a DMP in June 2007. The credit agreements were all taken out way before 2007. Legally can a DCA or creditor reconstruct a CCA…
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Single person discount...council tax
I'm not sure if there's a special board for this but it does relate to debt and I'm comfortable with you lovely lot :D Ok, last year when my daughter went to work in the States, I applied for and received the discount. When she came back to live with me I obviously declared it and had to pay full whack. No problem! She is…
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Wish I'd never got a Lloyds loan
Got a Lloyds loan back in 2009 for £2k. Had to re-finance to £5k following a redundancy and some issues. Payments on the re-finance in 2012 were £135 every month by DD and I haven't missed one of them, but for the last year or so I've been over-paying by about £200 a month. This month will (would have been) my last…
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rights after paying debt
Hi I am in debt of University. I was enrolled in a MA degree in September 2009. The fee was £8900 and I paid £3000 and started course. Then at the same time due to loss in business I couldn't pay rest and was not allowed to submit my final thesis. The matter was passed to debt recover company and I set monthly installments…
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Tackle Loan or Hope for Credit Card Balance Transfer
Hi All wondering if you could help me decide what to do. I have been debt busting the past few months and made some good inroads however stuck on what to do with last couple. Blackhorse Car Loan Balance £8500 46 months remaining £183 per month 27.9% APR Settlement Figure £5500 Barclaycard £900 Currently paying £200 per…
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Protection re partner's debts
Hi, I'm the one with the money head and am sorting out all of our finances, but unfortunately I'm also the one with a 4 year old default affecting my file and I can't always access the perfect cards! We have about £4k of debt that we have accrued together as a couple, and until recently it has been fairly equally split as…
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Won against Creditor
Hi All, For last 1 and half years i've been trying to deal with a number of my debts to get back on the right path. I decided one particular debt which i was struggling with, I would challenge and just see what i can do with it. After a number of letters upto the point last week of being issued court documents, I have…
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Monday 18th 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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Old capquest cap
Hi looking for some advice pls We are coming to remortgage in year or so , so wanting to get everything in order. There is one little niggly thing on my bank statement a 5 quid payment to capquest. Around 8/9 years ago I had an online only account with alliance and Leicester and had 300 in overdraft - fast forward id…
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Debt with Orange despite no contract
Hi, I'm new here so hopefully this is the right place to post this. In September 2014 I recieved a letter from 'Lowell Portfolio 1 Ltd' stating that a debt of £1246.11 I allegedly had with Orange had been passed on to them. I have never had any contract or even PAYG with Orange before and the only mobile phone contracts…
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CCJ on a statute barred debt
As title says i have a debt that is now statue barred but i received a letter threatening that as i have not replied to previous correspondence, they have no other option but to apply to the courts... What would be the best course of action let them apply to the courts and wait for the court to contact me or contact them…
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student loan arrears notice
Hi wondering if someone can help Last week I got a 'Notice of sums in arrears' from Honours student loans. This relates to 2 'old style' student loans from 1995 and 1996 which i took out from the old SLC. I have never paid anything to either of the loans as I didn't earn enough at the time, so i probably (but can't…
