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Very account still showing amount owed when I went in to DMP despite selling debt on
TL;DR is at the bottom if you want to skip the big long rant Hi, I've been going back and forth with the catalogue company Very over the past couple of weeks and have gotten absolutely nowhere, I was going to go to CAB but I thought I should get advice here first in case it can be resolved without involving them. I…
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Looking to the future.
Hi all. My husband and I are 27 now. We both have debts from the past totalling Around £7000 between us. We own and run our own company and it's just getting off the ground. We are doing well. Anyway in the future we would love to eventually move away and buy a home of our own. I hope to have all debts paid off by the time…
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IDEM Servicing - Settlement Figure - can anyone help?
I have an outstanding debt with IDEM servicing. I called them today to see if I could get a settlement figure from them. I have never done this before and people have told me that sometimes you can get a reduced figure from the people you have a debt with to pay back - so I was hoping for this, but when I asked, they just…
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lowell solicitors - advise please..
Good Morning, I've made some mistakes and a debt I had has been taken to court via Lowell solicitors, the debt is £1500 and the court has agreed to a £50 a month payment.. when I called Lowell this morning the guy on the phone advised if I paid the debt in full it would be wiped off my credit file and be better for my…
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What small DFW things will you do this week - w/c 21 August
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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Fraught week
Hi First time posting, but have spent most of the last week on here, reading advice, as I come to terms to knowing I can no longer cope with debts and borrowing more is not an option. Background, is that I had to stop working full time 6 months ago due to a major depression (or what used to be a nervous breakdown). Am…
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Credit Card Payment Advice
Just thought I would get some advice on how to proceed. I fully confess I have been an idiot but if someone feels the need to hammer that point I won't be offended ;) OK, so I have a number of balance transfer promotions across 3 CC's. This is a lot so bear with me. I know that I am going to have to accept I will be paying…
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Debt sold on to another company
DH has been paying Debt Recovery Co, for a loan from Barclays, for about 10 years now :eek: at £30/ month. Recently he got a letter from Moorcroft asking him to pay them. He ignored it but now they have sent another saying they have taken on the debt and his last payment by direct debit was forwarded to them by the…
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Council tax
Hi there, I'm just looking for some advice. I am really far behind with my council tax, they have taken out an enforcement order against me. I contacted them last week asking that they wait until last Friday for the payment. I emailed them on the Monday, they replied on the Thursday, telling me they accepted. This was the…
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6 year statute barring ?
Hi All. Just need some advise re 6 year statute barring . I recently received a letter from a debt collection firm saying I owe on a debt. I have paid or am in the process of paying all my debts and I don't recognize this one. Would it be best to ignore the letter, if the debt is less than 6 years old & I reply that would…
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FYI : MBNA Payment Allocation
Hi..just in case this information is helpful to anyone...I couldn't work out why the payments I was making did not reduce the balance with the promotional rate ending soonest...it wasn't very clear in the information on the statement. So just come off the phone with MBNA...they clarified that where there are more than one…
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I'm terrified of telling my husband
Hi I'm at an all-time low after taking my head out of the sand and working out that I have debts of just under £13,000, mostly credit cards and catalogues. What triggered it was one of catalogues asking for a payment that was nearly all interest and would only have reduced my account by £5. So, I decided to work out what I…
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Robinson Way trouble
Good afternoon! I am having some trouble, I was wondering if anyone could offer some advice. RW contacted me informing me of a debt I had no recollection of. I sent them a letter informing them of the proper practice of having to inform me of the origins and details of the debt in question. They provided details of which I…
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It's been a while, but slowly progressing
I last posted in here in January 2015 with the below statement: I feel comfortable with my plan to clear our debt, we have: A personal loan from the bank of £20k - £620 5 HP payments which add up to £70ish a month Littlewoods account £500 - £30 a month Next account £500 - £50 a month Since then, my husband and I have…
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Paying off a card
Hi all Just looking for some quick advice if possible. I have a credit card and the balance is £1,655. The limit is £2,450 so I am utilising 67.5% of the card. I am paying off £160 a month although this month I will be able to pay about an extra £110 so I am aiming to clear it within the next year. My question is, as I…
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Small Claims Advice
I'm sorry if this is the incorrect thread , I wasn't quite sure where to post it. Myself and my partner recently purchased 2 exotic pets from a local breeder. Unfortunately they both became unwell within a few weeks of having them and one has now had to be euthanized. The vet suggested that I report the breeder because she…
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Full and Final Settlements - Will asking upset my DMP?
I was wondering if I could ask some advice from some of the more experienced members. I’ve been on a DMP for the last 6 years and have cleared 25,000 of a 57,000 debt that I started with. The debts belong to me and my wife. I’m managing to make the payments fine, however I’m looking at another 8-9 years to clear the…
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Progressing a CCJ set aside
Hello all , this is my first post in the group. I'm just looking for a little pointer in the right direction, any help or advice would be great. I had a CCJ made against me, very unlawfully by a membership management of a gym. They were taking membership payments from me and at some point decided to take 2x lots for a…
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Bailiffs & Fees
Hello, Unfortunately I have gotten into arrears with my council tax - single, working mother, ex who left huge bills, usual story... Please bare with me and help if you can, this is a little messy. After liaising directly with the council they put a payment plan in place with Jacobs who the debt had been passed on to for…
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Vodafone Old Debt
Hello all, I wonder if you can help. My parents died a little over a year ago and I was a bit consumed dealing with it. I'd forgotten about my debt with vodafone until I checked my credit record this month. A default for 800 pounds. The rest of my credit record looks okay, so I looked through my emails and dug up a notice…
