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Free Advice around Court Fines?
As the title says really, is there somewhere I can seek advice regarding a court fine? Would CAB help? They have no appointments available but do have a drop in. However if it's not something they can help with I don't want to sit and wait hours then waste their time.
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Not sure what our best move is.....
Hi all, I'm an old newbie.... had an account but forgot the details! Anyway. My OH and I are trying to get a grip on our money at long last. I went part time the beginning of this year and my husband works full time. We have one daughter who goes to a child minder 3 times a week. We have credit card debt of approx £4300…
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Advice needed
Hi guys I need some advice if I could I am trying to sort my mums finances out. She got into difficulty a long time ago (20 years ago at least) and she is still paying for some of these debts I have pulled her file up and only one is on there as showing in an arrangement none of the others are there but she is paying small…
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debt collector issues - council tax
Hi First post so I hope this is in the right place. Long story but I will keep it as short as possible. My partner and I moved out of our last property (rented) around 5 years ago. Recently a debt collection agency (Jacobs) have turned up at my mums house (I have never lived at her address) demanding money for an…
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In a mess and need advice
Hi, I am in a financial mess - here is the short version Run a small Ltd company, only Director is me, no staff - £12k overdrawn directors loan, CT bill of £14k Mortgage - interest only, joint with a relative - no equity, abotu £20-25k negative equity - no means to pay at the end of the mortgage Various unsecured debts to…
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IVA fail (??)
I have had an IVA for over 4 years now with DFD. (UnfortunatelyI hadn't known about Stepchange at the time I took it out.) Initially my payments were £140 this included a whopping £40 admin fee. It went up to £194 as I had a change of job, I did try to get it lower but that's what they came up with. I changed the standing…
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Family memeber ran £15k debt in my name!!
I've been a home owner for 5 years and went into my bank yesterday to apply to re-mortgage my house after splitting from my partner. To my shock and horror I was refused any credit from my bank, they were unable to tell me the reasons why, but advised me to look on experion to see my credit file. The advisor in the bank…
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Possible letter when threatened with court action
I was pm'd by someone who had had a threat of a court claim on a debt where the creditor had never responded to a cca request. I tried to reply that if the debt was coming up to being statute barred I would leave it alone but if only a year or two into that period I might engage using a letter like this. I couldn't reply…
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Can't sleep due to debt?
Hi everyone, I have been browsing these forums for a short while now and I think it's time to post to see if anyone could help me with my problem. I am sorry in advance for the rambling post, I can't think straight at the moment, any advice would be appreciated. I have an income at the moment of £25,000 with an net monthly…
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BW Legal - County Court Claim
I had a vanquis card a number of years ago and defaulted due to a change in personal circumstances. The debt has been factored over the years and to be honest with the time that passed (4 years) I'd gotten to the point where given the offers of 30/40/50% off I thought they would never file papers and it would end up being…
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Defaults on DMP
Hi, I have been on a DMP with StepChange for coming on two years now - I have just reviewed my credit report and have noticed that some of the creditors defaulted me upon changing to DMP but also that two of my creditors have been and are continuing to default me every month despite me paying my DMP on time every month.…
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Capquest - Old Lloyds Credit Card Debt
Last month I received a letter from Capquest advising that they have taken over my old Lloyds credit card debt from Arrow Global. This was the first correspondence I've had about the debt for a couple of years. Then today they phoned me and I told them it was a Statute Barred debt. The caller looked on his computer, said…
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Soa help
Hi, Ok so here goes. In brief, we had a DRO (2X individual) start on the 04/07/17. Had a phone call this morning as 1 of my OH creditors does not agree with being in the DRO..Ii cried, all I want is for this debt to go. I have also just started a job (woo!), so that is better. Anyway, this is our SOA. I haven't put…
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Defaults on Credit file
I am looking at getting a mortgage and have signed up to Noddle to check my report and see what's happening etc - My main question is, is when do defaults get deleted from my file? I have read 6 years but what date do they go by?! I will break down everything I can below. Now I have 3 defaults which are broken down as…
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credit Utilisation Help please
Can anyone answer this? I have alot of credit cards!! 7 to be precise and I pay interest on approximately 3'4 of them, I don't spend on these cards they have merely been balance transfers. My credit rating is shown as good but I have one mark that's pink/red and that's credit utilisation is relatively high. I have an mbna…
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bought my car nd have some left over .. yay !
hi guys .. im so chuffed .. ive been tackling the cc debt for a couple of month but I knew that this month my car was on its way out, so ive been saving like crazy .. well yesterday I managed to get a spanking immaculate Volvo v50 09 plate with low millage, pay the change in insurance and pay for my first years road tax up…
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9 Year old CCJ. Robinson Way help please
Hi all, hopefully someone can help. I have a ccj from 2008 which has obviously dropped off my credit files some time ago. This was for around £4000 from Intelligent Finance. Now this ccj was marked against me without my defence and in itself was for a statute barred debt. I (wrongly) never got round to getting it set…
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Repayment of educational costs - poorly worded contract
Hello all, I have recently handed in my notice to my employer. In January 2016 I agreed and signed a training contract with my employer for an external qualification, I immediately enrolled on a training course with the aim of sitting for the June-16 exam. The bank subsequently forgot pay the entrance fee and I couldn’t…
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Help with Property Debt
Hello A friend has confided in me that she is having major struggles with her property. She bought it for £80k some years ago, but it has had lots of issues including a bad damp problem & the boiler has been condemned so she's had no hot water for 6 months. She believes it may only be worth £50k now - although she is too…
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Boyfriends debt
Boyfriend is getting made redundant. He isn't getting much of a payout because of his age, plus not being in the job very long. Before he met me, he had a lot of credit card debt (single man living on a low income, bills to pay etc) and ended up in debt. Since we now live together, he's been able to pay off monthly for…
