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statute barred debt & open account on credit report
I have just checked my credit report and have noticed that there is an open account with scottish power showing with a default for a previous property I moved out of 7 years ago. The default is due to drop off my credit report next months. However, scottish power have never tried to contact me about the outstanding amount…
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Can anybody me help
Hi, We are trying to get a loan to pay off the 2 credit cards and a loan but our credit score isn't the best due to bad advice from our bank. I alway try to do wot Martin say but we can't get a 0% credit card or low loan. We are both employed but I work for a agency so I can't say how much I get yearly and my wife is part…
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Best way to organise money
Hi After going on DMP, I have just one bank account. Which is good, however, I find it difficult to keep money away for rainy days. Most payments are made with cards or electronically. I am wondering is there a better way to, say, save up for car repairs separately from emergency fund etc etc. So this money does not get…
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council tax debt help please
Hi right i will try to keep this as short as possible basically got into arrers with our council tax to the tune of around £1300 we have tried to make arrangements to pay this at £50 per week but was told it was not enough tbh this was already more than we could really afford anyway so we had a vistis in december from a…
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MMF Debt Collectors
Hey, all. I received an e-mail from MMF last week, saying that they'd taken over my Sunny account but I haven't had any paperwork from them? What's the best way of dealing with them? I didn't respond to the e-mail because I'm waiting for paperwork to come through the post, so I've got 100% proof that they're legit. I don't…
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Bailiff Issues Marstons!!
Hi all My partner has 2 court orders against him which is why he has Martons on his back. The orders are for fines car related as he had his car on a private drive so didn't renew the insurance or road tax, he declared it SORN as soon as he was made aware he had to but he didn't realise he had to do this when the car was…
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Westcot Debt Recovery phone call
Hello, I received an automated phone call this morning from 'Wescot' asking for my partner. As far as we know, we're not in debt at all. We're paid up with bills and have no loans/credit cards. We moved house 6 months ago, so think it could possibly be an account still being in our name. However, we're confident that we…
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Wed 20th Jan - 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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please help!
we owe about £30,000 in debt loans, store cards, credit cards, overdrafts what can we do have always made the minimum payments but its a struggle, havent been able to afford food this week. we dont own our home, or have any valuables we both work full time what are the options? please, losing sleep over this.
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Dmp new job
Hi all. I have been on a dmp for just over two years. I have an interview tomorrow for a new job and am worried in case they do a credit check. Would they immediately turn me down. Thanks for any advice
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Bpo how to deal with them?
Husband today started getting phone calls from BPO on mobile and home ,How do we deal with them?
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DMP - some questions
Hello, I am on DMP with Step Change Charity. I am in £54.5k of debt with debt free date at the moment standing at June 2048 :( . I have mortgage, half of the house, or rather equity of the house belongs to my ex husband. I would like to do an IVA but my income depends on maintenance payments from my ex. Currently I am…
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Natwest has reclaimed my debt back from 3rd debt collecting agency they used
Hi all & happy new year. Bit of advice if I may please. 12k o/s debt with Natwest (loan) Default date 09/2010 Started paying Apex debt collectors a month or so later. Paid them direct debit for 3 years. 09/2013 I canx my direct debit (circumstances had changed) which led them to chase for a while. Sometime after, a new…
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Is this debt statute barred?
need some advice please, debt of approx £600 with hsbc credit card, I lost my job and hsbc did not want to help, the debt was showing on my credit file as defaulted 7/12/07..........roll forward a few years to 2013 and letters start arriving from a company called Hamptons chasing the debt which has now spiralled to £2112.…
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Help needed, debt on credit file
Hello, I will try and explain this as simply as possible so I hope that someone can advise me what my next step will be. I opened a shop direct account in 2004 this account then converted to a very account at some point. I can't remember the exact date. The account was managed with no issues until about the end of 2009…
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limitation act 1980
.................................................................................................................................................................... Dear Sir/Madam! Re: Acc no: Ref no: No debt is acknowledged to you. You have contacted me regarding the account with the above reference number, which you…
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Card/Loan Shuffle Advice
I would really appreciate some expert financial advice. Priorities are; a). To pay less interest. b). Lower payments a little to create some disposable income. I have 2 credit cards, 1 loan and an overdraft and would like someone to cast their expert eye over these and suggest a possible shuffle (would prefer not to apply…
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Tuesday 19th Jan - 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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£12,000 - best way forward.
Hi everyone, I'm not sure where to post this exactly as it covers debt, credit cards and loans! I was wondering if you could help us, the debt I am looking to reduce is my mothers, but we are both unsure what the best option is. She had been working full time but was made redundant, after that she worked part time for 2…
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Natwest Default help!
Hi, I'm new to this forum and hope someone can be of assistance. in August 2014 I received a letter from APEX credit stating that i owed £498 on a Natwest Credit Card as i had apparently missed a number of payments This is the first I had heard of the error and immediately rang APEX and paid the debt off. Later, upon…
