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Persistent letters from Lowell despite proving I don't owe them
Hi all, I've posted a few times regarding this issue and it's still persisting, so I'll try and cut a long story short to get to the latest issue. Lowell sent me a letter a few months back saying I owe them £164.51 on a debt they bought off Severn Trent Water, the water provider for my university house from four years ago.…
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Capquest coming onto scene 8 years on need update on their tatics
Hi all, Too cut a long story short had massive money problems 10 years ago. 2 debts for Barclaycard and Northern Rock both at time couldnt come up with a valid agreements and despite being passed onto to countless debt agencies (including Capquest) they went away. Fast forward today, strange call. Computer message on phone…
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Need some advice please
The total amount I owe is £93K. All CC or OD. The debt has been there for about 10 years. I was never too worried about it as I had a very well paid job. Then I lost my job 4 years ago. In the beginning I was still not too concerned as I thought I would get a job quickly. I did get another job, with a salary less than half…
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Keeping Motivated During Debt Free Journey
I've been on these boards for a while now. I had my LBM earlier this year. I've started budgeting with YNAB and it has been an eye opener to how much I was actually spending. After 3-4 good months of paying off debt I feel like my debt free journey is going to take a while, and the temptation is always there to spend money…
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Overpayment of wages after leaving?
I have recently been sent a letter fron my previous employer that they have overpaid wages of £500. I did not think I was overpaid at all as I had left in the middle of the month, and assumed the money was from annual leave. I left the job due to disability that had gotten worse and I could no longer work. I am unemployed…
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DMP Advice
Hi all, I could really use some advice. Sorry for such a heavy first post, but here goes!. I owe about £13,500 to 5 different creditors. I set up a DMP with Stepchange in July, agreeing to pay £238 per month. Most creditors are playing ball and have reduced interest to nil, stopped charges etc. There are two outliers.…
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Full and Final Settlement w/ CCJ possible?
Hi, I was wondering if it's possible to obtain Full & Final Settlement on a debt that has defaulted and then had a CCj issued? I'm aware of the negative side of F&F in that it is marked as partially satisfied, but also that the default it relates to would drop off the credit file in six years. I'm also aware the CCJ is…
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Trying to identify if a bank account belongs to DCA or Halifax
Hi, Sorry if this is the wrong place to post this but been in a DMP for a couple of years and the company handling it is closing down so will no longer be managing the accounts. The biggest debt is a Halifax loan with 6200 remaining to be paid, and the DMP list "Blair Oliver & Scott" as the person receiving the money for…
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Can paying off your debt make you happy?
Hi everyone. I wanted to ask a question to you who have become debt free after compulsive debting... Are you happy now? Do you feel more content inside? I ask because my spending has taken away any self confidence I have and left my life in tatters. I look forward to hearing your views If you haven’t already, join the…
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Just dont know where to start!
Hi everyone. I am new to the forum and have finally plucked up the courage to ask for some help. If I could give you a brief history it would put my current situation into some context. History For as long as I can remember I have been a compulsive spender. From a very early age I would get money and spend it, birthday…
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6 years finally Debt Free!!!
I've done it! Never thought I'd ever see light at the end of the tunnel!!! But after 6 years after inheriting debt from my deceased father including my own reckless debts as a student i've finally become debt free! It's just a matter of calling the final handful of debtors tomorrow and settling the balances. So far have…
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CCJ - Help
Hi All, Apologies first of all if this is in the incorrect forum. I would love some help on a matter I have been dealing with for the last year, in 07/2015 I rented a room in Chelsea, London. I paid a deposit of £1575..I moved out and this was never paid back to me or held in a DPS scheme. I registered a claim through the…
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getting no where fast!
I was wondering if I could get some advice as what is the best thing to go in my situation. (its a bizarre one so bare with me!) With my now ex partner I got a car on pcp which ended up with negative equity but the car dealership didn't tell us that until we had gotten a new car. (meaning I had around £4000 added to the…
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Missing creditor on my credit report (Noddle)?
Hi All, I've finally got around to checking my actual credit report using Noddle, thanks to some great advice (thanks DMP posters and sourcrates in particular) to do so for following my DMP progress across all my creditors! One odd thing though, one of my debts (Originally with Tesco Bank CC, then moved to Wescott I…
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Credit file imporvement
Hello, looking for some advice please, I have x2 credit cards, one is my current Capital one account which I manage very well, only ever use for business expenses and is repaid within a month (via expenses I claim back from work). The credit limit is £1,000 but I only ever spend around 25-35% of that. Second Credit card is…
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New job possible issues
Hi all I start my new post on 26th of this month. This job will eventually pay much better than my old one with new prospects etc however initially it will be similar. Anyway I have obviously had to give my notice in to my previous post which could mean that instead of receiving the full months pay I receive around a week…
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Plodding Through Debts
BUDGET Weekly Income 128.45 Benefits 006.00 Apps134.45 Weekly Expenses (082.32) Unallocated (030.00) Food, Household and Toiletries (008.47) Water (007.23) Electricity (003.67) Broadband and Phone (001.61) Tenants' Insurance (001.15) Mobile Phone134.45 Other Funds 027.08 Google Opinion Rewards - taken as Google Play credit…
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I'm new to these forums, I need help
Hiya, I'm new to this forum and it's taken me a long time to even get the courage to come on here for some reason but I've had enough and need some sort of support. When I tell family (I speak to my sister) and I just get judgement and end up feeling worse. I have about £8,000 debt on one loan where I'm paying £157 a…
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Removing a default - help please!
Hi all, I have just recently had a default added to my credit file - account start date is 02/2011 and default added 06/2016. I stupidly took out some payday loans in 2011 at the ripe age of 18 and being young and stupid didn't realise the negative impact it would have on me later on in life. The default in question has…
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FF settlement experience?
Hi DFWs From your experience how much is normally accepted as final settlements for credit card and loan account? I've got 6 creditors ranging from £500 to £18000.
