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Chances of a F&F?
One of my debts has been passed to their DCA for collection. They have asked me to call them (never going to happen) to discuss repayments. They will not have a current SOA from me. I need to write back to them, but how should I proceed? Should I write asking them to send me a SOA form? I cannot afford to pay the amount…
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Part SOA - Getting ahead
Hi, This year I am sorting out my finances and finally getting on top and looking forward and planning ahead. I've paid my yearly debts in full, and I'm stashing the (what would be) monthly payments into a savings account to earn interest. Can anyone think of anything that I am missing? I think I've covered all bills.... -…
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Closed Lloyds account years ago but now debt collectors been in touch
I don't know if anyone can help. My daughter's fiance had an account with Lloyds which he closed many years ago (consequently he does not have any paperwork). He recently received a letter from a debt collection company saying that Lloyds claim he owes £400+. This is the first letter he has received concerning the so…
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Full and Final Settlement Letter
Hi All I am in the process of writing out !!!!!! letters to our creditors. I am using the National Debtline template letter but want to know if addng in my own info will help/hinder the offers. Would welcome any comments Also, should I include a copy of our income/exp from the outset? All the creditors currently have up to…
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Tuesday 21st July - What small DFW-style things will you be doing 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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HSBC sends debt warnings but have debt management
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The best possible bad news
So this is more in the nature of, overall, not that bad, but also not great, but it could have been muuuuuch worse. Had a bit of a financial knockback @ work, also having to move as I've been given notice to vacate recently. So basically, this has hit the ol' pocket hard. Recently paid off a loan, and a credit card,…
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Car finance company gone bust
So back in 2011 I took out a finance on a 56 reg ford fiesta with Car-craft. The total cost would be split over two company's Moto-novo finance and All in one finance. The moto-novo policy was roughly 80-90% of the total finance and the rest was All in one. After a few months for whatever reason i had stopped paying all in…
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Full & Final Settlement Advice Please
Hi I currently have a DMP with Payplan with a balance of approx £10,000. I also have a secured loan from Black Horse which is with DLC with a balance of £4,903. On 27th August I will have the means to pay off both in full :T I have 3 questions... 1. Payplan have said that they have experts in this field so should I just…
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Opos Limited - old mini credit account
Hi, I am after some help. I was in some financial difficulty some 2 years ago and took out a loan with mini credit. They went bust and passed my account to opos limited. The amount was for £200, and they passed across with interest and fees etc. for £525. I recently emailed Opos limited for a copy of the original agreement…
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Thanks for help so far, results!
Hello, I popped out of the shadows a few months ago looking for wee bits of information about statute barred, types of account, etc. I got what I needed, so thanks! My two most recent wee debts, silly mobile contracts, one is paid off and one has a wee dd coming out every month to hold as is, will pay off in 2-3 months…
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Settlement Barclaycard MKDP
Hi all, I am currently trying to clean up my credit file by taking responsibility. I am hard pressed with funds at the moment but have been trying to get a F&F figure from MKDP. In my first phone call they reduced from £1,273.52 to about £820 (can't recall whole figure asked for in writing). I think this is about 35%…
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Mon 20th July - What small DFW-style things will you be doing 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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Freaking out about debts
Ok so this will be quite a long story so please be patient my laptop isn't working properly too. It all started a couple of years ago when my relationship broke down. Isuddenly found myself responsible for all bills which I found hard to deal with. The next month my bank decided to cancell my overdraft telling me I needed…
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FCA First Supervisory Notice info
Hiya, looking for some information if possible. A company that has previously dealt with my DMP has now been issued a first Supervisory notice by the FCA due to its questionable distribution of funds and admin fees. Has anybody had this previously and will it result in any compensation ?. I am producing ombudsman complaint…
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Asking for help to get control
Hello all. I feel like I should be able to control my debts with the decent salary that I'm on, but its just not happening. Despite a recent promotion and having paid off a 5 year loan, I'm still struggling to put anything aside. Here is my SOA. I should add that I'm divorced with 2 kids who I have at weekends. I pay child…
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Defaults on Credit File - No Notice?
Hello all, I've dabbled with Payday loans in the past, something that I now realise was very stupid. I've learnt my lesson, and have either paid them off or convinced them all to put me on relatively short term payment plans. There is light at the end of tunnel...I think. However there are two that are causing me problems;…
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fappy napper
The ghost is here
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Debt Free Wanabee
i could do with some moral support! starting to get everything sorted, as we are hoping to start a family in the near future. me and my oh have just got married and we have some debt between us that we have both accumulated over the last few years. im focusing on mine at the moment as its a bit higher! barclaycard 3,209.94…
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Lowell Portfolio 1 Ltd Mobile Phone O2 CCJ
Hi All, Apologies if this is in the wrong forum, This is my girlfriend story. roughly around 2010 my girlfriend cancelled her O2 contract as this had come to the end of the fixed term contract and because we were moving to our new home and there was no signal so she swapped, what we didn't no was O2 were still charging her…
