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Sick to the stomach with my debt
Hi all, I have read through a few pages of threads here so I am really hoping that you could advise me on what to do. firstly please find attached my SOA. Monthly Budget Summary Amount(£) Total monthly income 1,150 Monthly expenses (incl. HP & secured loans) 1,213.5 Available for debt repayments -63.5 UNsecured debt…
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Debt collection agencies
Hi all...... So simply......if a DCA just had just your name and date of birth but,you had not registered on the electoral register for many years would thier search come to a dead end? Thankyou in advance 👍
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Harrington Brooks
Hi all We have had a DMP with Harrington Brooks for over a year. It has been a truly awful experience. Things have been so bad and their service has been so dreadful that I complained to the Financial Ombudsman. The Ombudsman was less than helpful, making a final decision without having even got the facts right. I am…
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Unusual Credit Card Application Help
Hello, I'm new to posting on the forum, but have read many posts which have really helped me start and keep on the path to being debt free! :j I was reading something earlier about how if a lender has not stuck ridgidly to the Consumer Credit Act then there may be some loopholes to either lower or effectively cancel the…
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Can HBOS put a black mark against my profile?!
Hi all. I have been offered a partial settlement (F&F) from HBOS for an amount of £441.00. The remaining balance is £587.89 at the moment. The debt itself is now off my credit file, having exceeded the 6 year mark so HBOS themselves have advised that they cant put a partially settled on my file due to the account no longer…
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Attachment of earnings form ? (Unemployed on benefits = Exempt ?
If being sent an Attachment of earnings form, by a debtor for chasing up a debt that the person has not paid, and the 3rd party debt company (who the debt has been sold to) have sent an Attachment of earnings form to the debtor, but if this debtor is unemployed and on benefits, a) then the creditor cannot take anything £…
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Unsecured debts
Just trying to get rid of unsecured debts asap Current list is 1) 19k Tesco loan settlement figure paying £434 a month until jan 2021 at 7% interest 2) 2.9k on Tesco credit card pay minimum payment of £30 - month 12 more months 0% interest 3) MBNA 2.2k balance £35 minimum payment 0% until April 2017 4) fluid £925 balance…
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Trying to get Egg to default after 5 years
Hello My husband and I have been on a DMP for five years. We haven't missed a payment and have also made sure all our current bills (mortgage, utilities etc) are all up to date. We have paid off over £30,000 and have just over £20,000 left. We are looking to remortgage as we are on the SVR and we want to shorten the…
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in a complete mess
Just dont know where to start, its taken me quite a few weeks just to write the mess i'm in down and acknowledge the face i have a serious debt problem. I'm ashamed to say i dont even know the exact amount or who i owe what, i suspect its in the region of £35000. Things came to a head where i overheard my 10 year son…
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Should I clear OD or Loan???
Hi, This post might cover a couple of things. Please advise me if people think it is not the correct place I am a first time buyer and my wife and I will be looking to get a mortgage in the near future. Thing is, I have an overdraft of £1650 and am currently repaying £141p/m to pay off a personal loan which I have £717…
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CPA Cancellation
Specifically with HSBC - can locate information for other banks online but with HSBC seems a little more challenging I am writing to the providers, sending written confirmation, emails I want to also write to HSBC, send and email also but can't location the address & email I need to send to in time Thanks
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Has anyone been successfully 'treated' for compulsive spending?
I've hundreds of DVDs in my loft, the product of compulsive spending. I've bikes I've hardly ridden and expensive electricals that were purchased on credit. Keeping spending in check, for me, is a conscious battle and if I'm feeling depressed, that's when I'm at greatest risk. I've made big progress paying off old CC /…
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Fighting an endless battle..
Morning MSE, I've been meaning to write a post here for some time, but it’s just finding that right moment. I've been battling a debt ridden cycle for over 2 years now and its s slowly showing signs of paying off. Here’s a little background of my story… I worked and lived in London for the past 10 years trying to live the…
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I need advise on debt 6+years old
Needing some advise Iv got debt from over 6+ years I was paying them all through a debt management plan but I cancelled it as was going to take another 3years 8month to pay it off with the debt management charging me £40 for there services. Since it's been 6+ years can they still chase me for the debt??
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Settling debts
Hi All I was hoping to get some advice on a few options on some debts I have. Default £583 from 05/01/13, £2600 from 30/06/11 & £182 from 03/01/12. All with debt collection companies. I could settle the £182 one for the full amount. Is it worth my while to settle the others through negotiating or hope they fall off this…
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Help! I can't lose my flat...
Hi everyone , Long time lurker and recently signed up to a DMP that begins April following a heck of a lot of credit card debt that doesn't need the attention right now. I had budgeted well and started to save a bit each month in the run up to my DMP starting but somehow I miscalculated HUGELY and what I thought was my…
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Punished for DMP
I need to have a rant here.... I started out on a DMP 4 years ago and have probably 2-4 years left depending on circumstances. The issue I have is that whilst Im making my agreed payments every month the creditors still record a black mark on my credit file each month. Had I taken out an IVA or gone BR i could have been…
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Old Debts hurting my credit score
Hey Guys, Im new here and hoping that i can get some advice / information on my current situation. Im a 27 year old man, and had some silly money troubles when i was younger. I run away from a lot of the debt i built up and then put myself into an IVA. I had numerous accounts that had defaulted consisting mainly of high…
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Old debts
Hi, my friend had been paying Harrington Brooks (I know) but has now stopped. She has logged onto clear score but there's no debts showing any longer. She is waiting for DCA's to get in touch. My guess is that the debts have been passed about that many times that they probably won't have any paperwork concerning the…
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Help- I'm drowning with debt and stuck!
I'm in such a rubbish place and I'm so stressed over it, feeling like such a failure, full of shame! I have debts of £30,000 on credit cards and catalogue. My husband knows nothing of these and it isn't an option to tell him. It would ruin my marriage and I can't face the shame. Im currently spending £1000 on all the…
