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BT issue - advice wanted
Hi Posting here but if there is a better place please move it mods. I was surprised to see my landline bill was £20 higher than usual this month. As no one really uses our phone I checked the bill closely and discovered that the charge related to a 2 day period where my husband and I were trying to get through to the local…
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BPO Collections
Please help! Today I received a letter from a company called BPO Collections regarding a £234 debt owed to Freemans in my name. I have never had an account with Freemans or purchased from them. When I rang up to find out more, they were able to give me the dates of the purchase, the last payment made, and when the first…
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How to deal with Bailiffs
A lot of posts about enforcement agents of late, so though this would be helpful to some people.(apologies for long post). 1. What you can do when a bailiff visits your home. A bailiff (‘enforcement agent’) may visit your home if you don’t pay your debts, eg a Council Tax bill, parking fine, court fine, county court or…
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Saving vs Paying off
I know the guide is always to pay off debt but I wondered if anybody had an opinions on my specific situation Debt: Natwest Loan 5528.31 8.9%apr No overpayments (old loan taken out in 2008) £144.47pcm a month Nationwide Loan 11105.75 3.6%apr Overpayments without penalty 56months left to run (not counting overpayments made)…
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Link Financial promised to honour the agreement and now backtrack
Hi forum members, I need some help on where to take the matter further. I've ran up an MBNA card to a figure of just over £4,400 several years ago. I was looking to settle the debt directly with MBNA and agreed an amount of £1,200 as full and final. Unfortunately, I was slow to raise the money and the card was sold off to…
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Setting aside a CCJ because its not mine
Hi everyone :) I wonder if anybody can help me solve my CCJ issue as its really affected my credit score and I am looking at buying a house within next 2 years! Basically, me and my dad lived in a flat together for 4 years - I was 18 when we moved in so both on tenancy. The deal was that he'd be paying for bills. He never…
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Allied International - Chasing non-existing debt?
Just wondering if anyone has dealt with these? They have, out of the blue, called my OH's parents chasing a debt that was paid off fully 4-5 years ago. This is a couple of years before I met her, and she of course, no longer lives there anymore and hasn't for nearly 3 years. After a quick research, it looks like they are…
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Restons fee to discharge charging order?
Hello. I hope I'm not duplicating another thread here but I can't see anything similar I have recently, after 5 difficult years, paid off my £24k DMP which included a debt originating from MBNA on which Restons obtained a CCJ and final charging order against my property. I received a call from Restons today (2weeks after…
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Rossendales harassment
Please help, Rosendales are out of their mind, and not sure what should I do. Here is a my story short. Renting a house, we owed some Council Tax. I knew that, but wasn't sure how much. We moved out to another house, and notified local Council. So After a while, i received a letter, with council tax for new house, and the…
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Low mortgage rates, so lets take a holiday and kill the debt
Hi all, considering my mortgage rates have now fallen to 1.9%, I've decided to take a 5 month mortgage holiday (funded by an overpayments balance that had built up), and throw all mortgage payments and overpay my outstanding unsecured debt down. This will allow my DFWB date to be brought forward from Aug 2020, to Feb 2017,…
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What happens when the debt is paid off?
I'm a all or nothing personality, so have decided to bite the bullet and pay off my debt within 12months, which means no unnecessary spending. It is going to be tough, but I think I can do it. However what happens once it pays off? How have people coped after paying off to debt? How have you adapted to the new lifestyle…
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Quick DMP query
I apologise in advance if the answer to this is already noted somewhere on the forum but I am in work and need a quick idea of what my options are. Having taken advice on here previously I have now been on a DMP for two years. For the most part it has all been working well and I can see some light at the end of the (very…
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Guarantor Loans in a DMP
Hi can anyone help? i have 2 x Guarantor loans that need to go into my DMP has anyone done this and do they anyway go after my guarnator no matter what? or do they accept the payment offered and not got after my guarantor?
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My Son's Warrant of Conrol at MY property
Hello All, I am extremely worried and hope someone can offer me some advise. My son hasn't lived at this address for over 3 years now, but he still gets the occasional letter in the post. He told me he was expecting a letter and to look out for it, so I opened one up earlier today and it was a Warrant of Control, issued by…
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Discharge a Restriction Charge on Property
Does anyone have any advice please regarding Fredrickson International please? They own a Capital One credit card debt which has been entered as a restriction charge on my property. We are in the process of selling the house and the conveyancers have chased Fredrickson numerous times during a 3-week period for a redemption…
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Am I doing the rite thing IVA
I am currently looking into getting an IVA set up, My income is £800 a month And paying out £400 a month in credit cards and catalogue. After bills I'm left with around £20 a week. I'm not sure I'm doing the rite thing, it would take me 11+ yrs to pay off all debts that's not including interest. I'm looking for advice and…
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10k in debt and don't know what to do
Hi all. I'm new to MSE forums and hope I am posting in the correct place. So, basically I've borrowed too much money as I've gambled my wages away each month for about 3 years. I have been using credit cards to live on and managed with them until recently then I started on the payday loans. So now when I get paid I have to…
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Been recommended a DMP
Hi everyone, I have been advised by stepchange a DMP is best suited for my 31k of debts. This is all fine with me as on paper it looks great. What worried me is if I go ahead, make the nessescary changes with my bank account etc and stop payments and my creditors turn around and don't accept.... ..what happens next. This…
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Delinquent Account?
Hi all, I have already posted this in the Credit File sub forum but the DFW crew seem to be a lot more active so thought I would also re-post here! Can someone please advise what a delinquent account is, and how long it will stay on my credit file? I have a couple of defaults but have now noticed a delinquent account as…
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Partial Settlement vs default advice
I am hoping someone can help me quickly as my partial settlement deadline is looming. I have agreed a partial settlement with MBNA to pay £2650 on a balance of £6250. The agreed payment is due in a week's time by the end of this month (September 2016) as otherwise it will default. Although MBNA have said they will write it…
