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CCA request advice please
Hi all, I have several debts with credit reference agencies that I am making token payments to every month. I would like to send out CCA requests for these. Can I do this if I am making payments? Should I stop making payments while I wait for the responses or continue paying my £1 per month? Also what type of debts does a…
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What would you do??
Hi there, would just like to thank you all for sharing your experiences and opinions it great to know there are people out there going through the same!! I'm hoping u can now help me with my dilemma............ (Sorry it's a bit long) My husband and I have in the region of £38000 debt :eek: this includes a car loan and the…
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Old debt not recorded as defaulted
I am in the process of tackling my old debts and there is one that is confusing me. It's from 2010 and no payments have been made on the account since late 2010. However it has never actually been marked as defaulted and shows as a late payment. I am wondering when this will drop off my credit file? I am planning to…
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Question re. Partial settlement and drop off dates
I am in the process of tackling my old debts now that I'm in a better situation and have managed to agree a partial settlement (full and final) with one of my creditors. However they WILL NOT mark the credit file as fully satisfied and will only put partially satisfied. This debt was defaulted in 2010 and so will drop off…
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Advice needed re. an old (apparently forgotten) student bank account debt
Hello. First post here, hopefully some of you may be able to offer some advice... I was a bit useless with money in my younger, student days. Luckily, I have over the past few years grown up and become much more sensible. Current situation: I have one defaulted account on my credit file from five years ago - I am paying…
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self managed debt plan
I currently have 4 large debts totalling approx £15000, which I am paying on a self managed payment plan. 3 debts I have no problems with paying them each and every month. The other debt is with shoosmiths solicitors in Northamptonshire passed on from tesco. When I first set up a payment plan with the they refused cash…
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Token payments
Hello!! Im a long time lurker who has finally plucked up the courage to ask for all of your's wonderful advice!! Please be gentle with me 😊. I currently have 2 credit cards, a personal bank loan, an overdraft and a payday loan totalling £8600. The overdraft and the personal loan are both with the same bank so 4 creditors…
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Message of support...
Hi all DFW's, I just wanted to drop by and send you all a positive message. I am now a few months debt free. My life has changed. Completely, even to the point that I have now taken a job in Qatar and moved out to the middle east! This site helped me no end. A lot of support, a lot of great advice which I would never have…
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Credit cards v loan
Hi all, Just wanted to quick bit of advice/ opinion. I appreciate as long as you can get the 0% credit cards then this is a much cheaper way to repay debts rather than a loan. However at the moment we have 4 credit cards plus overdrafts & I feel like it's a juggling act to know which to pay first & I really don't want to…
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MSE Badges?
Hi all, I just want to ask how one gets badges here on MSE. DH and I have switched insurances (home, car insurances etc) and managed to save £700 this year, we have also switched energy providers and saved more than half of my energy bills (from £105/month to £47) and got a cashback of £30 from the Energy Club here on MSE.…
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Help Repairing Credit File
A few years back I had a bit of a meltdown after my marriage failed and through a period of depression and "head in the sand" my financial dealings deteriorated and imploded!!! 3 years later I'm back on the straight and narrow and trying to rebuild my life.... and my credit file!!! There is a legacy of three items which…
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How much have you spent this week?
How much have you spent this week? This is what I've spent so far: Cleaner £40 M&S Chicken (reduced) £2.60 Milk £1 Tube home due rain £2.90
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Old Student Loan debt resurfaced via Restons
Morning & thanks in advance for reading. A few years ago (back in 2001-2003) I got myself into a load of debt. Through the next few years I struggled through & paid off, so I thought, almost everything (I did have one card debt statute barred). I'm now in a much better place - my current debt is manageable (and falling).…
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Sewing - Beginner!
Hi, I have just started sewing - and I am already getting a bit carried away, I can see it may cost me material wise. Does anybody have any hints or tips for finding free/cheap material? Thanks in advance!
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How to get out of my overdraft?
What's the best way to do this? I'm lucky that my hubby pays most things and I'm only working part time but I'm stuck in my overdraft and I can't get out. This month I'm £867 OD and I get paid only £760 leaving me -100 to start. If I could get out of it after my bills I have £300 left to spend so I could try and get myself…
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Thursday 27th August ~ 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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Lowell Using Default Date as Cause of Action
Hi all, This is my first post but after spending so much time researching I feel like I've been here forever!!! I'll cut a long story short, basically back in 2008 everything in life fell apart and I was unable to meet my commitments and got heavily into debt. Fast forward to today and all debts are effectively…
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Starting out
Hello, I first posted on here at the weekend after having a bit of a shock when my husband admitted he had racked up £11k of debt, effectively doubling what I thought was our debt. Thankfully having sat down & worked our finances out we can pay our mortgage, bills and minimum payments and hopefully be able to make…
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Lowells proof of payment
Hi there, I've been getting chased by Lowells for payment relating to a company called NewDayLTD. It is regarding a store card I had with River Island maybe around 6 or 7 years ago. Anyway, I sent Lowells and email asking them to provide background to this alleged debt as they had only sent me a letter saying I owed money…
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Advice re CCA
Hi peeps.... I requested card agreements from two companies using the template from here and as advised I typed my signature rather than signing it personally. Mint replied saying my request would be dealt with when they had the primary cardholders signature. Next Directory also replied to say that they are unable to…