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Brian Carter Solicitors Claim Form - Need Help
Hi All, We've had a form appear through the door today (Saturday). Lowell are the claimant who purchased debt on 19/06/2014. I can't recall if the debt was purchased by anyone else prior to that. The county court stamp is digital but it looks fairly official all the same. Has anyone any experience in dealing with these…
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Wescot Credit Services Ltd Something not right
Hi, I've received a slip in the post to contact Westcot Credit Services ltd asking me to phone the enclosed number, there was also a reference number, no further details. After carefully researching the company its clear they are used for debt recovery. Here is the unusual part. I phone the office and they asked me to…
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CTC overpayment
I got a letter today from Child Tax Credits saying I owe over £500 from 2007, have they not left it too late to get this back? If so how do I tell them
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Paying credir card debt off in quickest time possible.
So we have about 7k on interest free cc at the moment. Hubby earns 40k pa and after bills are paid we have around 600 a month left over. I'm looking to pay 500 a month off the card to get it paid off but my question is for a family of 4 do you think it's do able to live off 100 once all food n bills are paid for?
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Sat/Sun 10th/11th October - 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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Advice required
Hi there, I am looking for any advice possible please. I am currently on a DMP and have around £4200 unsecured debt. Basically my debt started after I bought my home. In 2012 I bought my home from my local council because I had swapped the home to be in a suitable area and the house was on the generation scheme. However…
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Think we need help please
Household Information[/b] Number of adults in household........... 3 Number of children in household......... Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1047 Partners monthly income after tax....... 336 Benefits................................ 0 Other…
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not feeling quite so alone
So today I had a very frank and open chat with a colleague regarding money and debt. I don't normally discuss money and work and very few people know about our 40K debts It turns out that my colleague is in a similar position!! She also told me that she knows of several others at our workplace who are also dealing with…
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DMP - any point?
Good Afternoon, Today, I've decided to check my credit file after setting up a DMP with stepchange earlier this year. I had ~£7K of debt and currently pay ~£100 pm to this plan. I have found that, although I haven't missed a DMP payment, I have defaulted on 6/8 accounts, despite the amount owed to each creditor slowly…
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In need of advice
Hi there, this is my first post so go easy on me, both me and my partner are 24 with a mortgaged house, we owe about £111,000 on the house Currently we have 2 cars one is 15 plate the other a 64 both on pcp agreements, we had abit of a rocky first year of house ownership which means we have £3300 on a 0% credit card I work…
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Three F&F offers in 2 days - Why???
Hi. I am wondering if anyone can help me. I have been on a self managed DMP since Feb 11 but I have always only made sporadic payments on all of my debts. Up until now, I have had the odd full and final offer but in the past two days I have had three offers from differing DCA's and confirmation that another DCA is not…
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Help Please
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,119.08 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Help Remaining Calm
I'm currently sitting at home awaiting a bailiff visit and my anxiety levels are through the roof. I suffer from bipolar disorder, with severe depression and anxiety and am dreading them visiting. I called the bailiff this morning explaining my mental state and advised that I am in contact with Stepchange with a view to…
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Court claim form
Hello all, so this morning I received a court claim form but I think it might be fakeen. Firstly it is not blue, it's a pale grey and secondly there is no bar code at the bottom. of the page and finally it's a low amount, £300. can anyone give me any advice? ??
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Advice please
hi everyone the council said they over paid us by about £900 as they messed up with our working tax credit, we are paying £12.50 we have come to an arrangement to pay £12.50 a week to get this paid. this is paid trough my bank each week without fail, this morning my wife noticed an envelope on the hall floor which has been…
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Friday 9th October - What small DFW things will you do today?
When we start our debt free journies we focus on the big changes to be made. Cutting up credit cards. Giving up the 2nd car. Cancelling the sky and gym memberships. All of these things are good and important, but along the way it is the small daily habits we form that keep us going in the right direction. This thread is a…
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Can i statute barr a ccj after 6 years if i havent paid anything or made contact?
It'll be 6 years in january and ive been officially homeless for all that time, can i get it wiped off?
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Determined to be debt free
So I am £9783.17 in debt and I am determined to fix it. £5358.69 of this is on a loan at a poor rate of 11.1% - I did this to consolidate debts as I was paying 29.9% APR and got declined for interest free credit cards, so this was the best option. I couldn't get a loan over £6000. This loans for 5 years but allows…
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How much disposable/leftover cash do you have?
Hi, This is quite a personal question but... How much money do you have leftover each month after you have paid all of the essential bills - mortgage/rent, utilities, travel costs/fuel, food and minimum debt payments? Basically the money that you can do whatever you want with. Trying to work out how much 'spare' cash we…
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Unknown Debt
Hello, I'm hoping for some advice on what to do. Yesterday I had a letter in the post from a local company who rent and sell kitchen appliances, saying I owe them £546.82. Bizarrely I've never rented anything from them, however my ex-partner did when he had his property on his own. I'm now beginning to think the items in…
