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Robinson Way
I received a letter from Robinson Way back on 14th September 2016 stating they had been trying to contact me at my previous address which was in Bermuda 10 years ago and have now got my current address. I have been living at this address since leaving Bermuda about 8 years ago and did so prior to living there so I have no…
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MSE News: Stop GPs charging people in debt crisis up to £150 for mental health forms
Money and Mental Health wants doctors to stop charging people with mental health problems to fill in debt help forms...Read the full story: 'Stop GPs charging people in debt crisis up to £150 for mental health paperwork!' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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Advice on my debt please
Morning, just looking for some advice really as I seem to be at a sticking point in repaying my debts. A friend advised that I should look at getting a loan. but there are a couple of different factors involved. So the break down is, I owe a total of £16,252 to over draft - £1450 Online Retailer - £7950 Credit Cards 0% -…
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Halifax Debt Issue
Hi! I have a defaulted account with Halifax that I have been trying to arrange resolution for, setting up a payment plan, etc. It was passed over to a credit agency from Halifax previously, but when looking to get in touch with them to resolve they advised it was passed back to Halifax? Then, obviously ringing Halifax,…
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Which balance transfer offer should I take!
Hi All, I have quite a bit of CC debt that I am paying off. 2 of my card are about to revert to Standard rate as my promotional offer is ending. This means that I will be paying £119 interest per month (ouch). Good old Barclaycard have offered me two options...... 0% until April 2017 or 6.9% for the life of the balance. I…
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Consumer Credit Act 1974
One of my creditors (Barclaycard) have removed an account from my Experian credit file as they now agree that it's not an active account. However, Barclaycard did not send me a Notice of Sum of Arrears as required by the CCA. Is this grounds for having the debt written-off completely? Barclaycard also no longer send me…
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Determined to get out of this hole once and for all!!!!
My wife and i have finally decided that it's time to put off the inevitable and deal with our debts once and for all. Don't get me wrong it was all our own fault and I'm not on here looking for sympathy but any advice would be very much appreciated. We don't own a home, we privately rent and up until the end of September…
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Me vs. Past Due Credit Solutions vs. nPower
Hello MSE, New member here who has been reading lots of posts regarding Pastdue Credit Solutions but all have been around 3-4 years old, so I'm desperate for some up to date information. Everything was going great until today. Me and my partner are 2 weeks away from moving into our first ever house and finally climbed the…
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MSE News: Money Advice Service and pension advice services to be replaced by new body
The Money Advice Service (MAS) and two existing pension advice services will be merged into a new single body...Read the full story: 'Money Advice Service and pension advice services to be replaced by new single body' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Madness
After a rough couple of years I'm finally back on my feet but over this time have wracked up around £23,500 worth of debt covering 3 credit cards (2 at 0%) and a Tesco Loan at 3.4%. Between these 4 items it's costing me around £900 a month. I own my own home with a balance of £188,000 owed. Our earnings are £46,000 which…
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LBM but not in debt
OK, this may seem like a totally pointless post on this board but I've been here for a while, and I regularly read the posts, so this is my contribution for any one who it may help. I was at one point in the consolidation loop, and besides my mortgage at the time, I owed a minimum of 15,000 between loans, credit cards and…
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How much spare cash?
How much money do you have left after all of your bills and essential spending?
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What small DFW things will you do this week? w/c 10/10
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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First Trust/AIB Overdraft Problem
I had an overdraft of £200 with First Trust/AIB, then used the Halifax account switch tool to move my account to them. I was under the impression that I'd still be able to pay off my overdraft from my other First Trust account, but the bank then asked me to pay it in full. I phoned them, and they stated that the overdraft…
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Past Due Credit - Major Problem !
I'm really hoping that someone on here will be able to help me with this: About 5 years ago I separated from my then partner and moved out. She stayed in the property (and still lives there), and the electricity is on a 'pre-paid key' meter. Yesterday I received a letter form 'Past Due Credit Solutions' saying that I owed…
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lowell chasing debt that doesnt exist
Hello all, im sure this question has been answered, but any help will be appreciated. I checked my credit rating to find it had dropped to under 400 (noddle). Lowell had put 3 defaults on my file without warning, no letter no calls. I rang them and they said i owe Orange on 2 accounts and Comet on the other. I genuinely…
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Defaults & credit file
Default Defaults Hi Sorry if this is a dumb question. I am currently on a DMP which has ages left to go. My credit file still has 6 defaults showing. These were all registered in 2011 so I'm hoping these will drop off next year. Am I right in thinking that this will happen even though the accounts are still open? My score…
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Are you 100% open with your partner?
Being totally honest, does your partner/spouse know everything about your debt - full amounts etc, or do you keep it, or at least part of it to yourself? If you haven’t already, join the forum to reply! [purplesignup][/purplesignup]
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Bailiff Letter from Rossendales from 11 years ago.....
Please excuse me if this is the wrong category, but I arrived home today to two letters from Rossendales bailiffs demanding nearly £900 from two business rates bills from a shop I had. I gave the shop up in 2004 and was up to date on my payments. And I let them know I was leaving the shop. Never ever heard anything else…
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Please Help... Debt's getting out of control :(
Hi, I could really do with advice please. My husband and I felt our debt was manageable and we had a debt free plan and date in mind and all was going well until my husband was in a car accident. He ended up being off work between April and September and he is back now but working part time, he is still unwell and is…
