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CCA Response Query
Hello Friendly Kindred Folk! I wonder if somebody could help with the benefit of their experience or advice please? In short, August 2011 went pop and I owed 11 creditors. Since then I have managed to bring that down to just 2 by saving hard and settling. At present I have 2 remaining, both were Credit Cards, 1MBNA, 1…
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CCA Request Response from Lloyds
I recently sent CCA requests to my four creditors. Disappointingly two have responded and have provided copies of original doc with my signature on. This morning I got response from Lloyds Bank and they enclosed a copy of the agreement but with no signature on. They added the note stating that they have satisfied their…
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Newbie in serious debt but feeling positive
So today i have totaled up all my balances and came to the shocking figure i am in debt of £42300 :( How did things get so bad when just 8 years ago i had no debt at all. Well a house then lost house due to relationship breakup, a 10k overdraft added to my account, serious depression and stupidly spending to make myself…
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Payment after SB
Morning all. My husband has an old debt with Welcome. It was sent to Lowell sometime between Aug 2012 and June 2013. (Aug '12 was when Welcome wrote the debt off and June '13 was hubbys first payment to Lowell). I've always told him not to deal with creditors by phone but then he doesn't always listen to me and he set up a…
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Gas bill/debt collection letters to my address
Hi all, Wasn't sure where to post this so apologies if this is in the wrong place! A bit of background - I bought a flat in a converted house last year. There are 3 flats in the building, I generally call mine top flat on any correspondence. Let's say that the property address is 15 Yemen Road. All my correspondence comes…
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Thursday 3rd September - 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 SOA for DMP (help please)
Following up from my last thread, basically my overdraft has been revoked even though it was being maintained at a level so although I can access some funds this month, anything that isn't considered essential they'll keep unless I can pay them a fixed amount which they've pro-rated incorrectly. So I thought I'd better get…
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Snowball
Hi, I think I'm being really thick! Do I need to put the mortgage in the snowballing calculation? Also with secured loans on the SOA I have done these are already deducted prior to the 'money left over for debt repayment', so do I need to include them. Thanks
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Question about a default
I have 2 defaults that are quite old. One is over 5 years old and one that is over 4 years old. I have known about these for some time. One is outstanding and one is closed. They both show up on my Callcredit credit report. They have previously shown up on my Equifax and Experian credit reports. However, I checked today…
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Document request from Debt Management Company
Hi all My Mother's DMC have decided to do an annual review (first time I've heard of this in 5 years) and have requested that she sends copies of her Mortgage Statement and three recent Bank Statements to them in order that they can carry out this review. Are we legally required to provide this information to them? What…
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DMP or not?
Have been trying to manage our debts and repay some of but seem to be getting nowhere fast. I contacted stepchange and made a list of outgoings and incomings. Monthly income is £1902 Monthly outgoings is £1731 Monthly contractual payments £1492 15 creditors total unsecured debt is £7115 Would you enter a dmp or try and…
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I just want to live
Hiya everyone, 27 years young female from Glasgow here needing some advice. I have acquired large debts and since the turn of the year have been battling to control them and pay them down but I am going nowhere. I have seen very little change and it is absolutely soul destroying. Interest, and the payments I can make, mean…
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Wednesday 2nd September 2015 - What small debt free 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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Red castle recoveries surprise
Hi all Money savers !! Over the weekend I received a letter from Red Castle Recoveries asking me to pay outstanding balance of £40 ie £35 original balance and £5 fees. This is on behalf of their client Scottish and southern energy. I have checked my credit file and infact i have never dealt with SSE . Never received any…
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Considering DMP - SOA advice please
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2040 Partners monthly income after tax....... 0…
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Interesting insight into uncle buck
Interesting program on ITV tonight about the payday lender, uncle buck. The documentary followed the collections dept, trying to recoup unpaid accounts, most of these call handlers are 20 something's, on there first jobs, there 1st weapon of choice ? The telephone. They are all on massive commissions according to how much…
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Overpayment To Fredrickson
Hi all, hope this is the right place. I became aware today that I have overpaid Fredrickson to the amount of £260. I've had a monthly repayment plan for a large debt for a long while now being paid by standing order. The debt was repaid but they failed to notify me by mail etc and I just accepted the monthly repayments as…
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Bristow & Sutor Enforcement visit
Hi, I had a debt with the council from last year, i broke up with my partner around August and just before this we got behind on some bills, i had to find a better paid job so i could keep the house and still manage to pay all the bills etc. When i called the council to tell them i was now living alone and sort out the…
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Do you ever wonder about the psychology......
behind debt and (in my case) poor financial management. An over inflated sense of entitlement? A feeling of hopelessness?
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ccj and charging order?
just a quick question. im unsure on this and I cant help out my sister so here I am asking the ones who hopefully know! lol she had a ccj placed against her for an old credit card.( unfortunately only a month from statute barred) anyway under the new rules they also went for a charging order even though she has payment…
