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Equita and a slightly different case...
Good afternoon, I'm hoping somebody can help put my mind at ease regarding an ongoing issue I have with Equita debt enforcement agency. It's a very long story but I'll try and cut it down: I moved out of a property I was privately renting in October 2015 and moved to another rented property in the same city with my…
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A friend in need...
Following yet another bout of debt induced insomnia, I have decided to post my troubles on here for all to see in the hope that someone that was in a similar position to me can spot some light at the end of the tunnel. As of this morning, I am in debt to the tune of £25,259.43. This all started a few years ago when I…
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Debt Collection Agencies
Hi, Couple of quick questions 1. If I am with some debt collection agencies and I get a bit of extra money would it be worth making a offer for say 40% of the amount to close it all down? I have just sent a letter to each of them to increase my payments. 2. Will this have an impact on my credit file? There is a closed…
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Advice with Default Notice
Hi I've been on a DMP since October last year and this covers 3 cc, an overdraft and a personal loan. All the companies agreed to the plan and things were going great. I've received a letter this morning from the bank the personal load was provided by issuing me with a default notice and stating that unless I cleared the…
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Completed debt management plan help.
Hi there, I wonder if anyone could offer me any advice. I entered into a debt management plan with step Change in 2011. I completed the plan last October. It should of been completed in May but a lot of my debtors mainly BOS applied heavy interest and default charges. Anyway long story short is, I was delighted to finally…
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Quick question about a Full and final offer
If i make a full and final offer to a creditor and its accepted , am i then entering a legal binding agreement to any degree to pay that amount? Also would anyone know how long an accepted offer is normally valid for? thanks F
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Wednesday 20th April. 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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Trying to stop another panic attack
Sorry if this turns out to be long. I have had my head in the sand for ages about my finances which is probably why I hate talking about money so much and don't tell people when I can't afford something, I just put it on a credit card. I have built up a hideous amount of debt that makes me feel sick whenever I think about…
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Ladder Loans and Student Finance
Hi all, I'm doing settlement emails at the moment and ran into a couple of odd ones. Ladder Loans - When I tried to log in to this it says the company has ceased trading. Has anyone had any experience with them? Know how/if to get in touch with them? Advantis - these guys have just taken a debt from Student Finance for "a…
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Credit agreement is all wrong...
Hi first time poster long time lurcker.... Long story short. I have been asking and asking for a copy of a credit agreement i am supposedly meant to owe. It was a payday loan. The only way to get a payday loan with this company was to enter the store and provide the information and get the cash. This store close Mid 2013…
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Lowell & T mobile debt for a long time ago
Hi Guys your site has gone some way in inspiring me to face up to 2 marks on my credit report that need sorting out. They are not for particularly large amounts of Money but they have stopped me from getting any credit and will no doubt have an effect on future hopes of mortgages etc. i feel now is the time to grow up and…
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Debt after someone passes away
Hello all Recently my dad passed away suddenly and unexpectedly at the age of 52. I have been left with dealing with his estate and need some advise. some facts that may help you. My mum is alive (does not work - disability) they rent do not own has not gone to probate he has 1 life insurance that will go to my mum 1…
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Default Advice
I have a default with Lowell for an old Vodafone contract I fell behind with. They have passed the debt over to Fredrickson just wondered what I should do in regard to paying it in small monthly installments? Default date is 2012, if I ignore can the default date get changed or not now it's been passed to another company?…
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Grr Payplan pushing husband in to iva.
To cut a long story short we started our DMP with payplan for £104,000 (Yes i know a lot of debt) ,after 9 years we are down to £36,000 . After our review yesterday they wanted my husband to do a IVA and for me to stay on the Dmp, we do not want to do this can they force us to do the IVA route for my husband? Also my…
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Tuesday 19th April - 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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debt with hrmc
i literally just got a letter from what i'm assuming is a bailiff. apparently i had a debt of over £1200 which i didn't pay. i say apparently because I never knew it existed. my girlfriend ran off with my "best friend" several years ago, june-july 2010. this s the only time i have claimed tax credits and it wasnt long…
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help me become debt free!! pleasee!!
hello I really need your help. I'm 24 years old and struggling with debt. it started when I was 18 when I got my first credit card. I now have 6-7k of debt and I'm struggling to find a way out, Iv just started a new job which I love but its only part time so I'm not going to be able to pay much off of my debts. I don't buy…
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Disputed debt
Hi all I wasn't sure where best to post this, sorry if it is in the wrong place. About 6 months ago we received a letter from the dentist saying we owed a small amount. We rang up and thought it was all straightened out over the phone. Today we received 3 identical letters saying they had "recently" written to us regarding…
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Debt missing off credit report?
So I have no excuses for this but I've been running and running from debt for a good number of years. Anyway, now I'm a real grown up I'm trying to get everything paid so I started by paying for my Experian account and added all my addresses on there. I remember checking on Equifax last year who I am no longer paying and…
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Not aware of CCJ - what now please?
Hi All After embarrassingly admitting that I have only just done my first credit report - it is showing up a CCJ that was issued in April 2012. I have called the court and they have said that it relates to old dental surgery I went to. She said it went to court in April 2012 and they applied for a warrant but it was (I…
