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Bailiffs for Old Owners
My neighbour tells me that while I was out at work today, two men dressed smartly and in a van turned up at my house and repeatedly knocked on the door and hung around. I think it's bailiffs for the old owners as I've been marking a lot of their post "return to sender, no longer at address" recently. I moved in 9 months…
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Nuffield Health / Creditlink Account Recovery Solutions
Hi, In late 2016 I had physio arranged through my employer provided Bupa coverage. As I only attended two appointments the cost (£96.68) was less than the policy excess so I had to pay. When the invoice arrived I wrote to Nuffield Health to say that their charges were not appropriate. I did this again when a reminder…
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DFW - need advice
So, I've been burying my head in the sand in regards to my finances and living well beyond my means. I got myself a consolidation loan to get everything sorted. Now I got everything sorted on my Callcredit file - not thinking and didnt check the others. I have since discovered a motor mile finance debt from 2012. What do i…
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Consolidated debt - court claim
Hello and thank you in advance for any help with this. I'll try to keep it brief and concise. I've got a county court claim form through for a hsbc 'loan' from 2009. Restons solicitors and arrow global are the claimants. The account/accounts were defaulted early in 2011. Last payment (made to a different collection agency)…
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Renting with Poor Credit Score
Hi, I'm wondering if anybody can help me, I've rented privately in the past and then via an Estate Agent in September 2016. I'd never Credit Checked myself until the past month due to us having to move again this September (2017). My Credit Scores are as follows: Experian - 700 ClearScore - 360 I've never had any CCJ's or…
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What small DFW things will you do this week? w/c 22/05
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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What small DFW things will you do? W/C 22 May
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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Npower and Wescot have started chasing a supposed debt again…
I’ll try and keep this as brief as possible but I’ll need to explain a bit of background. When I was in university I rented a room in a house with three other students that I didn’t know between July 2012 to June 2013. Npower supplied the electricity and gas. I gave the first meter reading in July and the first bill came…
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Life and money decisions - 35 years old
Over the last 5 years I have reduced my credit card debt from around £12,000 to £500. I have struggled to find a job I enjoy and have done quite a lot of job hopping in office jobs. I have however found a Permanent one now which pays around £1700 a month. As I am nearing my debt free date, I am thinking of the big life…
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Lowell threatend me court letter
Hello you have most probley all seen this before a few months ago lowell sent me a letter saying they are going to take court action i then sent a CCA request to them and they didnt reply for ages i recently just had a letter from they with what looks like to be a statement and a T and C bit of paper work at the back with…
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Manage my own DMP
I started my DMP with Stepchange back in November, all set up and paying £457 a month, most companies have issued Defaults. Halifax amongst others are digging their heels in, still ringing me several times a day. I don't pick up, I have written several times explaining my situation and asking them to contact me by letter,…
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Tough Decision to make - Help/advice
Hi all, first post here but I've read this forum so many times over the last few years and now I'm looking for some advice. I'm a young professional with a lot of debt and feel like I'm drowning, tonight I've come up with a plan that will clear my debt and make me happier but I feel like I need an unbiased opinion (or 2)…
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Baffling debt situation
Hello, I have a pretty convoluted debt situation and was wondering if anyone has any experience of anything similar or can offer any advice! I'll keep it as brief as I can... - around 12 years ago, I bought a property with my now ex, joint name mortgage for around £90k (zero deposit) and a secured loan of £10k to do up the…
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Long-time lurker needing to make tough decisions
Dear forumites, I've spent a long time reading the various threads, looking for inspiration to drag myself out of debt. I've been in debt since I was 20 (now 33), when I borrowed money from the bank to go on a holiday I had promised to save for (and failed to do so, obviously). Since then it's been a series of band-aid…
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Capquest HELP!!!!
Hi, I hope someone can offer some advice. Today my partner received two letters from capquest each with different account numbers, reference numbers and two different amounts, the company they claim to have baught the debt of we have never heard of and aside from this we have no debt. I know the next step is to send a…
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Debt advice requested
Hello, this is my first post on the forum, I hope this is the right place for this query I wanted to ask for advice about dealing with debts that my adult daughter has accumulated. She has always had difficulty managing money, and she has recently had to move back in with us because her finances were in such a dire…
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I Am Debt Free Wannabe
Hi All! I am brand new to this forum. I was in £40k of secret credit card debt which has built up over 4 years. I had been hiding it from my partner as he had previously said that he would break up with me if I ever got into debt again (I previously racked up £15k of credit card debt). I finally bit the bullet this week…
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Settlement Offers
Hi all, I have several creditors dating back several years and recently i have come into some money so i have started to make full and final settlement offers. The first reply i received is a letter asking me to send a list of statement of earnings/ income and expenditure before they will make a decision on whethere they…
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Worried about getting DRO
Hi all. I'm currently running a DMP with stepchange. I've been with them for a year now . Things have now changed my wife has just started maturnity leave and obviously took a large pay cut. So now my bills are bigger. I have done another debt thing with them and I have 13 pounds spare per month. Based off my 1750 take…
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Balance transfers
Hi All, Apologies if this is the wrong place. I used this site to find a credit card (Sainsburys) to transfer 2 balances from store cards. To be sent a new credit card and be told I cannot transfer the 2 balances because they dont have 16 digit account numbers, there was no mention of this on the application, or none that…
