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Are Bryan Carter Solicitors just being stupid?
I'm paying off a CCJ at £50 per month and have not missed a payment since I started last year! It's all automated via a regular payment from my HSBC basic account to my Barclays basic account which then goes out to BC sols. But now I've had the " arrangement between us has now ended", "The County Bailiff will be…
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Help me drowning in debt!
The just of it is I feel like I am drowning in debt and I need to get it under-control. The sum equals 4000 it may seem like measly amount to most of you but to me its a huge amount. I have already cut back but need to tighten my belt even more but I'm stuck for tips and things to help me do so. I feel that the interest…
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Shall I go bankrupt whilst my partner does a DMP?
Hi all. Lots of great advice on this forum (and helpful stories of people becoming debt free, so thank you for those). So, I have struggled to find info on the forum that relates to my situation. My (married) partner and I both have a lot of debt. Mine is about £30k, partners debt is £19k and joint is £7928 (overdraft and…
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Council Tax Arrears (need help pretty badly)
Hello everyone, sorry if this is posted in the wrong area. Ive just received a letter from a bailiff company demanding I pay £1188 in council tax arrears. A little background info: I rented a property in Newcastle's West End from September 28th to February 2nd. During this time I paid all of my council tax. I ended the…
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washing machine breakdown
Hi I don't know where to post this. We bought a washing machine off of freeman catalogue on 19th June 2014. My wife done a wash today 18 July 2015 and there is a strong rubber burning smell coming from the machine. The catalogue said they only guarantee it fro 1 year. My wife didn't take an extended warranty period as it…
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Sat/Sun 18th/19th July - 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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Statute barred Scotland
Sorry to jump on your thread but can debts be statute barred in Scotland?
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How can I stop calls from Barclaycard?
I'm looking for some advice please. I was unable go meet the full payment this month on my Barclaycard At the moment I seems to get calls on the hour especially when Im at work.I'm not the most confident at discussing these matters over the phone and would be likely to get talked into making payments I can't afford and…
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CCJ/Defaults causing old debt to reappear
Hi I'm paying off my debts slowly through a DMP- most debts are heading up to 6 years so will be disappearing of my credit file hopefully and I'll keep paying off the debs. If any of my creditors or DCAs decide to reject my DMP later an issue a CCJ/default, will the debt reappear on my credit file- e.g. if I'm still paying…
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HELP Lowell Portfolio CCJ
The bottom has just fallen out of my world... I've just got home to a County Court Business Centre Claim Form - I assume this is a pre cursor to a CCJ? I have, for the last 2 years been trying to put my affairs in order, but this will wreck me. The claim is for an agreement originally with Welcome Finance, neither Lowell…
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Maximum interest charged?
Just a quick one (hopefully) as I can't seem to find the answer elsewhere. I checked my credit file this morning with Callcredit and suddenly have a default from Lowell for a credit card with the account opened on 22/07/2012 and date of default 29/03/2013. Now remembering correctly with this one I applied for a credit card…
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SO Scared :(
Hello All, just registered. I have been suffering with depression for several years and due to illness (was originally on ESA Benefit) I have not been able to work for 6 years. I was a very successful person before this. I went thru a separation/divorce and then lost everything, including my health. I managed to write to…
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Carbot playing tricks .
CARBOT are playing tricks with accounts . Had a letter claiming that the original owner of a debt had applied a fee incorrectly. They claim that a refund has been forwarded to them and were now sending a cheque to me, claiming account is still active . If its what I think it is , it would have been statue barred five years…
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Blinkin Telewest!!
I don't know if I'm on the right forum but here goes....... I had an account with Telewest in 2000-2001 and was billed for a months usage of £720!! I checked the bill as it was stupidly high and found calls to numbers that I didn't know and at times when I wasn't even at home. I queried the bill with them and offered to…
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Opinions on my SOA please?
Morning all, This is for the purpose of the question - Should I buy or continue to rent. I have another thread, which is more like a diary, on the 'How much have you saved?' section, but as I'm all rolled-into-one as it were, I think I'm not reaching many people (not complaining! It's holding me accountable!) BUT, I would…
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Robinson Way - CCJ unpaid and Bailiffs visiting
Hello folks got a small issue with Robinson Way. It's to do with a very small debt for £25 which was ignored (very stupid I know) the debt then resulted in a court claim which no defense was entered for which resulted in a default judgement. The default judgement was ignored and now there is a bailiffs warrant that has…
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Friday 17th July - 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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1st Credit Warning letters
Has anyone had an experience with this company. I have had letters from them over the past 3 weeks offering me discount firstly for 2 accounts they said they purchased in 2006. They are now threatening County Court proceedings. I have never paid this company anything or contacted them to the best of my knowledge and…
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Barclays just put me in 200k debt for no fault of my own
This morning I checked my account to see if my ESA had went in, and both accounts were in debt of nearly 100k each! The only money that goes into these accounts is my benefits, so you can imagine how shocked I was to see I was now 200k in debt. It's either an error on their part, or fraud. But fraud isn't possible. The two…
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Advice- money transfer to pay off part of loan early?
Hello I have quite a bit of debt at the moment (as you can see from my signature) which I trying to reduce as quickly as possible in order to hopefully get a mortgage with my partner next year. On my Halifax credit card I have been offered a money transfer interest free for 15 months with a 3% fee. I am considering using…
