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Vodafone sold my debt to Lowells in the middle of Ombudsman activity?
Hello, I have been trying to sort an issue with Vodafone for over a year. I have, twice, asked for a 'Deadlock Letter' so that the Communications Ombudsman would finally agree to look into the claim/counterclaim that I have. Frustratingly though, Vodafone have just sold my account to Lowell Portfolio Ltd. Who, judging by…
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Monday 23 Nov - What small 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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Where to start with tackling this?
Here's the situation: Tesco Credit Card: 8k at 0% until May 21st 2016 MBNA Credit Card: £2300 at 0% until November 2016 Current Account Authorised Overdraft: 3k (paying about £30 a month interest) So the logical way to tackle this is overdraft first right since I am paying interest on it? At the moment my income and…
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CCA requests
Hello, I am currently on a dmp with Stepchange but am hoping to be in a position to make full and final offers to my creditors next month. I am planning to send CCA requests to all my creditors this week as i am thinking if they don't have the agreements I would have more room to negotiate with them regarding my f&f offer.…
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OH Debts - Do I sort them out?
Hi there oh wise ones, I have a dilemma on my hands and was hoping you could impart some words of wisdom...oh why am I beating around the bush, I'm canvassing for opinions Some background in...when we met, I was aware that my OH had CC's and was only paying the minimum amount. After losing her job, she stopped paying them.…
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Enforcing a CCJ
Hi Sorry if posted in the wrong section My mother was successful in obtaining a CCJ judgement against a 'friend' she loaned money too for the amount of £364. However, we are really confused by the next stage. We have their home address and work details plus email. We know they can afford to pay it back and they are located…
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Stepchange and christmas
Hi I'm on a dmp with Stepchange and I have made 4 payments so far, I'm a bit late with this but I have five children and they are 16,13,10,8 and 3 that I would like to buy some presents for, would Stepchange accept a lower payment over the next few weeks so I can get a few small items for them?
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Trying to negotiate - but don't know how!
Hello all you helpful people out there. I am new to this forum and have unfortunately been burying my head for a good few years. I am now ready to address my situation and hope to get some advice from you guys. I have a 5 unsecured debts which all went into default in or around July 2010 1. 1st Credit - balance o/s £6714…
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Why make token £1 payments?
What is the advantage of making token £1 payments towards your debts versus making no payments? Do the lenders deal with you differently if you make token payments? I've read through all the National Debtline guidance but it doesn't say why one might choose to do this. :huh:
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Sat/Sun 21st/22nd November - 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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Identity fraud
Hi there, Sorry if this isn't in keeping with forum etiquette, I just started a thread about Wescot Debt collectors on another page but this question is semi-related but mostly different. I've just logged into my Equifax account and I can see that several phone companies have popped up in my alerts (I must admit I've not…
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Wescot credit services
Hi all, I received a letter from Wescot Credit Services, quite out of the blue and my preliminary Googling brought me to a very useful thread on MSE. Basically the fist letter said that I owed a mobile phone provider who I've never used before some money for a contract that I've never taken out. I wrote back to Wescot with…
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DMP now in place and activated
I feel so much better (though I realise there's a long long road ahead) I will admit that I have a family visit upcoming to Europe. Stepchange has taken this into consideration and worked out my details accordingly. There'll be little cash to splash, but my son assures me he, my daughter in law and granddaughter aren't…
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Friday 20th November 2015 - What small DFW things will you do today???!
:D 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,…
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Interim Charging Order
I have just check land registry documents, and it lists 2 INTERIM charging orders...does this mean that they have to be full charging orders before they can force sale? I believed them to be full charging orders, and the solicitor is threatening to go for an order of sale....have I misunderstood? Thanks. Chuggabug.
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Ending PCP after 10 months?
Does anyone know about PCP car contracts and ending them early? I can't find my terms and conditions and looks like I need to end it early than the 3 year contract. I have had it for 10 months now, the settlement figure is more than the car is worth x
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newbie
Hi.... looking for abit of advice......i rang and spoke to a company today about getting an iva.....but on reading up on them....i dont no if its right for me.......im in debt for £6000.....to two credit cards......i manage most of my money quiet well apart from these......im up to the limit on both and im paying £150+ a…
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Council Tax and Bailiffs
HI everyone, I was wondering if anyone can help/give me any information on my problem. Me and boyfriend stupidly got behind on council tax payments as we weren't sure how much we owed so we didn't pay enough. I rang the council a couple days ago to find out how much we owed as we hadn't received any late payment letters…
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Default query
We had credit cards with barclaycard and nationwide and a loan with barclays that we had been behind with but we paid them off in full in September. We have just checked the credit report though and it says they still have a balance and the status is "default" although the n/w card says zero balance, but still "default".…
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Experian wil not tell me who has put a suspected fake claim on my business
Hi All, I started to lose credit for various things out of the blue, and was advised by British gas that my business was refused credit due to an experian report. After jumping through hoops to sign up ( it takes days and days for a business ) they tell me it is a utility company but they will not tell me which one. I have…
