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Account Now 'Settled'
Hi guys. Ive previously posted about these cowboys before. To cut a long story short I took out a secured loan approx 9 or 10 years ago but I was made bankrupt and my property reposessed some months later. Even though I hadn't paid the premiums once I was away bankrupcy was due, the debt was never put into 'Default' and…
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Rental Product Problems
I'm not sure if this is the correct area to post this wasn't sure where abouts to post it. Basically when me and my partner moved into a house we couldn't afford kitchen electronic goods outright so we rented a washing machine, dryer and fridge freezer from brighthouse and a dishwasher from dial a tv these were all rented…
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Lots of debt helo needed please
Hi there, I am new here and have just done our SOA below. A few things to mention: -This is our joint debt and joint income - Electricity is high as we are paying for an arrears when we changed providers this ends in December - mobile phone is high I pay £17 sim only and my husband is the rest it ends next year - BT TV -…
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County Court Summon for old debt
Hello I've recently received a summons from the County Court Business Centre for an old debt. The debt was shown on a copy of my credit report which I got from Experian last year, which clearly shows the default date, which is well over 6 years ago now. I know that I have not made any payments since, and I have not…
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littlewoods issues...Any advice please?
So I'll explain the situation quickly, hope this is the right place to post this! Around 3 month ago, I got a computer from littlewoods. (I previously had a laptop from there but they didn't advertise it correctly and it turned out to be a poor quality laptop, so I sent it back) so once I received the computer, it seemed…
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Nat West default - 3 years after DMP started!!!
Hi there! Long time reader, first time poster. I was really hoping for some advice. My husband and I are on a DMP with Pay Plan, which began March 2013 and is due to end 2018. All of our creditors Defaulted us a few months after our DMP ended, so will drop off our credit report in 2019. However, we checked our credit…
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Council tax help please
I am the named account holder on the council tax and I have gotton in to some arrears... Can they chase anyone else for it other than myself ?
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Confusing Council Tax Summons and Letter
This hasn't happened to me before. I am about three months behind in council tax payments. I think. I hadn't made an arrangment to pay, I just got a bit overwhelmed as lots of things going on and some mental health issues and I'm a carer for two kids with ASD. Going through diagnosis myself. So didn't pay for about three…
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Starting out
Hi, I have quite a bit of debt that i have started to address but would like to see if I am doing the right thing the debts are between me and my partner, we have been clearing some of the cards and now we are fully interest free thanks to this website. Family loan - £15000 Credit card 1 - £9500 Credit car 2 - £1500 Credit…
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Default / Arrangement to Pay
Hello fellow DFW's! Back in April 2012, I was unable to pay the minimum on my Capital One card (I went back to uni and was skint, basically!). I wrote to them and set up an "arrangement to pay"; they agreed to take £30 a month until the balance was cleared, while freezing the interest. The balance was finally paid off in…
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Lowell portfolio and solicitors
I have a shop direct debt (passed on to Lowell in Sep 14) after I failed to pay a buy it now order on time (50% interest was added) but informed shop direct I was struggling due to financial difficulties. They didn't want to know and slapped the fees on plus 20 each month for late payment. Due to the realisation I would be…
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If I won the lottery....
I would pay off my debts which are scaring me to death, I have a bag full of awful letters I cannot look at. :( I am reading these forums to pluck up courage... Looking through these forums I would then pick out people and pay off their debts so that they have the chance to stop living in fear and let them live again. Even…
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Should I repay this?
Hi. I received a letter from New York debt collection today and I need to pay for a services which I didnt use!! I just registered there! Im in the UK.What the hell?! I need help.Thanks
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CCJ not notified Hoist Portfolio
Hi All, I'm wondering if anyone can help. I've gotten myself into some mess in my late teens early 20's and am trying to sort it out now. I was on a DMP with Payplan but became a single mother last year and have been struggling and just starting to get back on track. I was hoping to be able to get enough cash together in…
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Missing Terms from a 2006 Debt Question
Recently wrote requesting a CCA from a 2006 account and the solicitor representing Nationwide sent a signed copy of a document with an account number that didn't match the current one. They say that the account number changed. 1. Is there an FCA guidline that suggests they have to prove the account changed numbers? 2. They…
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Loan Problems!
Hi All, New to the forum and was hoping somebody could calm my nerves/give some advice... I have recently gone into a Debt Management Plan with Stepchange due to my out of control debts. As part of their action plan I was to contact my Creditors and tell them my situation and request they hold the account for 30 days. One…
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Npower added warrant charges. Now doing round two!
Hi, I was on holiday and when i came back i have seen a court letter from Npower for 25 August. A week ahead now. It was sent on the 9th. I called Npower to pay the debt before things get further. My balance should be £178 but i was told it was £500+ I asked the reason and they said "warrant charges". I calmly responded…
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Huge debts for my position, want to know how to tackle it
Was young and got into debt up to the age of 21 roughly around £10,000. i'm now 25 and have no idea were to start. I earn 17k a year and have a pittance left after I have paid my bills. I have had no contact with any of my debts for min 3 years. Any advice would be great, the older I am getting there more it is becoming a…
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Equitable charge
Please excuse I've posted it here too, I didn't know where to put it. Hello, I hope someone can help and I'll keep it as short as I can. Okay, in 2010 I had an unsecured loan through Natwest which I became unable to pay due to serious personal circumstances. Natwest advised I take out another loan which would have lower…
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Can I lease a car with terrible credit?
We have been forced to start a debt management plan thanks to massive pay cuts in oil industry (50% down in 18 months). We have car lease deals expiring soon and while it will be a relief to get rid of the expensive cars it will be a worry how to get something to get us to work etc as we have a very small emergency pot…
