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Defaults
Hi, Do defaults remain on a credit file for 6 years from date of the default or 6 years from date that the account is settled? Say for example if the account went to default 4 years ago but the debt is still outstanding. (Before anyone jumps the gun this is not my debt I am trying to help someone out and only just found…
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General advice
Evening all. Hoping I can get some advice here if at all possible please. I have two items of debt which appear on my credit checks with the main agencies. Just under 600 which I have reduced from around 5k and this is on a balance transfer card. I also have 2k on an old bank account which has been defaulted since 2011.…
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Cca
This is not for myself but for a friend. She's been paying a loan for £5000 from lloyds for a year then she lost her job etc . To cut a long story short it's been bounced around with a few debt collection agencies and now it's with Cabot. She's asked for a CCA and been told that's it's nothing to do with her as it's been…
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Pay off loan ny end of 2017
Hello again everyone - after much thought (as you can see if you can spare the time from my earlier posts about APR on a commercial loan), I've decided that the best way forward is to pay off the loan by the end of this year. My approach is: overpay by £150 per month, which will reduce the debt to £15600 on 1st November.…
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2 questions....
Good evening everyone, 2 questions that I would welcome some advice on... 1. How long does the feeling of anxiety last for after your LBM? At the moment it is all consuming. I have that feeling that you get when you are queuing up for a scary roller coaster, only the feeling never subsides. It feels like I have black cloud…
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Contesting old charges.
After my recent success with getting Barclays to refund some of the charges they dumped on me, I decided to take a look the history of the other accounts. Back in late 2009 I lost my job. At the time I had a Halifax Reward current account. I've looked at an old credit report and, between that time and Jun 2010, the balance…
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Previous occupier had debt
Hi, Previous owner occupier has debt. Debt letters arriving. Me, new owner occupier. Should I do anything, apart from returning the letters as "not at this address"... such as put notice on my front door "To whom it may concern. Mr X no longer lives here, no longer owns this house" ??
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Help needed! Old debt?
Hi To cut a long story short racked up huge debt with multiple creditors in my early 20's. Over 2 years ago I went through my credit reports from all 3 agencies and contacted everyone I owed money too and after a long slog paid them all back (10k in total!) Today out of the blue I have received a letter from 'The Money…
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paying off £12000+ with Restons
Hi everyone, I was wondering if i could get some help. Back when i was 18 (2006) I was offered a credit card which spiralled out of control, i kept on being offered limit increases and eventually a consolidation loan. I fought over the years to stop interest being accumulated and it has then moved over to Restons debt…
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In debt and gambling
Hiya, I am struggling financially because when I get money I am wanting more and I use video gaming sites to gamble. I am on a DMP at the moment and have debts around 11K. I'm a bloody idiot
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Why do I feel like I have let my son down?
Does anyone else feel like this? I had a horrible night's sleep and kept waking up with my mind racing. I don't know why but I really feel like I have let my son down by being so much in debt. He is 6 years old and I adore him. When I think about it rationally I know that he has what he needs - * A nice home * Loving…
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Marathon/Dart Fine
Hi, today I received 2 notices of enforcement from Marstons relating to Dartford crossing fines I have received without my knowledge. We moved last year and the fines relate to crossings made shortly after by my Wife who forgot to pay and I had no idea were outstanding. I called Marstons and was told I owed £381 for the…
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Dealing with my Debt
My ex and I split up around 3 years ago, after a disastrous relationship where he pretty much packed up his stuff and left me in ALOT of debt. Unknown to me, he'd cancelled the direct debits on his account a year previously for Council Tax, Utilities & Water. All the unsecured debt was in my name as he had bad credit…
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What to pay off first?
Hello, I am currently earning just under £1400 per month and have gained a few debts over the past few months, through various unseen situations. My debts may seem small in comparison to others but I'm worried I'm starting a slippery slope, so to speak, and would like advice on how to fix it before it gets any worse. Thank…
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Pay day and not been paid
Hi like the title says it's payday and I've not been paid. Feeling worried as if it doesn't go in I'm well and truly stuffed
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29, single, living with parents and in debt, please help.
So as the title suggests I'm 29, single & living with my parents. I currently have an £11k loan, £2k credit card, £220 overdraft, £150 very account and my car is on pcp finance. I earn on average around £1600-£2000 a month but all my bills (I don't even pay rent!!) come to around £900. My initial 2017 plan was to pay…
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Moorcroft chasing.
Hi I'm just looking for some advice. I've had a payment plan with Moorcroft for a while now but missed a couple of payments. I've received a letter saying they have passed my account onto their home collections department and that I could have someone turn up at my door. What can I do to stop them knocking on my door?? I…
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Moving on from DMP
I was on a DMP for two years and paid it off in full after selling my house. I am keen to repair my credit as quickly as possible. I have got a credit card for car fuel which I settle every month and am in the electoral register at my new property. Is there anything else I can do that will help, as I would like to get a…
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Been stupd - need advice re: IVA
Payplan have suggested I move from a DMP to an IVA which I'm happy about BUT I took out a capital 1 card (I needed car repairs) and didn't tell them. Now they'll do an Experian credit check and no doubt will find out. What effect is this likely to have on my moving to an IVA? Will I be in very big trouble? Any advice…
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Equita and council tax
Hi, I am aware there are multiple threads regarding Equita and their conduct, but I thought I would start my own thread for clarity and to seek advice. My wife had two outstanding Council Tax bills, due to her flatmate at the time not paying. As they were both liable but the old flatmate has disappeared, she has been given…
