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Full and Final Settlements
Hi Everyone Not sure if this is the right board to be posting on so admin by all means please move if needed OH was on the verge of going bankrupt in Feb but due to a car accident we were unable to raise the sum needed to action this Due to him being in hospital and his resulting injuries and his job lost we entered into a…
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Help! priority debts really getting to me
i hope someone can help. I have £1298.50 of priority debts with bailiff activity on 4 out of 5 debts. I have now sent two emails to JBW with a repayment plan but no answer. They have somehow got my home phone number and are calling on Sundays and weekdays, leaving messages with my elderly mother in law who cannot hear v…
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So, so annoyed!!
I've been using this site for years and managed to turn good habits learned from Martin and forumites into being debt free - but this past year have managed to rack up a credit card debt of £2.5k again. I have taken steps to balance transfer at 0% and know what I need to do to make better financial choices, and I know it's…
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Best way to tackle these?
I've just checked my credit report after two years of burying my head in the sand due to being in hospital almost constantly so my debts were the furthest things from my mind. Now that the new year is upon us I'm hoping to straighten these out and was wondering if there's any way to get the amounts lowered? I have £8000…
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My ex stole my identity for a credit card!
Hello, I recently broke up with my ex-boyfriend and a few days later, found out that a couple of months ago, he had stolen my identity to get a Capital One credit card. He spent a lot of time at my house, and had the card sent to my address so I was completely unaware that it existed. Capital One called me last week,…
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Help!
I have been made redundant after a long while with a company. I will be receiving my redundancy next month and wondered whether I should still be adding to my sinking funds whilst I look for a new job. I will be paying my debts off with some of the redundancy and using the rest to pay for other bills until I get a new job…
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Younger me it turns out was an idiot, and I'd like to make changes
Hi all Long time lurker, first time poster. Basically I've been stuck in a debt loop for years now. I can always service the debt, but not very quickly! I'd like to get debt free as quickly as possible (as I'm sure we all would.....). I've just been to see my bank who I have £9600 of unsecured debt with, and they…
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Satisfied Default - Grounds for Removal?
Issue Resolved
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Aligning expectations
This is only my opinion, and is aimed at no one in particular, but there seems to be a huge difference between what I percieve as necessities, and others who are failing to get out of debt, percieve as necessities. We see time and time again, forumites enjoying luxury items, whilst trying to get out of debt. Ive seen many…
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Down but not out... time to make some major changes
Hi, I was going to do this in the New Year but I have decided to grasp the nettle today! We had our LBM a while ago and have made serious changes to our outgoing since September. We have a long way to go, as you will see from my SOA. The debts have been racked up due to many years of disorganised spending, consolidation…
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Jacobs Enforcement
Looking for some advice. I had a payment arrangement with Jacobs a few months ago and silly me thought I set up a standing order for them, but it only set it up for one payment. Therefore I had a letter from a bailiff stating removal would happen within 48 hours unless I rang them (his name was Matt Burraway). So I did and…
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Advice needed about debt and being a guarantor
This is for a friend who has just been left in a dire situation by her partner walking out on her suddenly. She now has no internet access so I told her I'd try to find advice. She has been in debt for a while now, and got an agency to help but they're charging her £25 every month for their services, which she really can't…
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PRA and Litigation Recovery
Hi. I've just received a letter from PRA Group saying my account is being managed by their Investigations and Litigation Department to ......."look at your outstanding debt for possible litigation recovery". They want me to contact them and if they don't hear from me they..... "will be forced to undertake further…
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11 years a slave - end of my journey from £103,500 in debt
Hello fellow DFWs. It has been a long time since I posted here, but today has been such a momentous day that I felt compelled to write something. Apologies in advance for the long post. Today I made the very last payment to the very last of my creditors. It’s the culmination of an 11-year debt management plan journey,…
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Problems with harrington brooks
Me and my partner got dupped into taking and IVA out with harrington brooks, When they told me i should take one out i informed them we were in the process of putting our house on the market and they informed me that the iva would not affect this. Which it did. since we have moved everytime i ask to talk to my practitioner…
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Finally got time to do my SOA...
Sigh, here it is: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1363 Partners monthly income after…
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Motor mile finance
Another DCA gets it's just desserts : http://legalbeagles.info/leeds-collections-firm-to-write-off-414m-of-customer-debt-over-historic-failings/
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CCJ papers for old debt 6 years+
Hi, I have just received some CCJ papers through the post regarding finance that I took out on a car back in 2009. I paid a few payments (cannot remember how many) and then stopped paying due to no money. (I was only 18 at the time, didnt think of possible harm it could cause when trying to apply for future credit!:mad:)…
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MBNA and Lloyds
Just a warning to anyone who has debt with MBNA and who also banks with Lloyds. You should concider moving accounts after Lloyds buys out MBNA in a take over deal. It's possible that the creditor could use the write of set off to take back what it's owed, so please be aware of this, and change accounts if it affects you.
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Help and advice needed - spiralling!
Hello, So my partner and I are in a bit of a pickle. We moved house recently and the cost of the renovations has crippled us. It cost us so much more than we were expecting and stupidly have used credit cards to help us do so - having already had high loans previously which still paying off. So we now find ourselves -…
