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Full & Final Settlement on a CCJ
Hi everyone, recently i've been half decent with saving some cash in order to pay a CCJ or two off and hopefully get some sort of credit file that doesn't resemble a daft 18 year old anymore. i've been doing some reading into full and final settlement's as the ammount i've got saved will either pay one at full balance and…
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Debt Help/Advice - Please help
Hi, I am new to this site. I am 29 years old and basically I have been avoiding my problems for years and have gone into a bad routine which is causing a lot of problems and bad feelings. I have been in this continuous cycle for around 7 years and have never really faced my problems. I need some advice or help in regards…
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SOA - maternity pay
Hi everyone, I have just recently started Maternity pay and am now on my statutory. I planned before I went off and so far we okay but we don’t have much money left over. After doing my SOA, we should have money left over but we don’t. I am going to start a spend diary from when we get paid on the 8th to see where it is…
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Budget help
I've been asked to help someone set up a budget. The family consists of mum, dad, two daughters (8 & 12) and dog. Can someone help in what amounts, if possible, should be set aside for Food Clothes Haircuts Anything else a growing family needs. My children are all grown up and left home over 20 years ago and times have…
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Debt letter from Lantern - Possibly statute barred - next steps?
I have received a letter today from Latern (formerly Motor Mile Finance) about some old short term loans from around 2012. This really is out of the blue, I've heard nothing from them for as long as I can recall and this letter was actually sent to my previous address but was re-directed. It is quite a jovial letter, it…
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Advice regarding court paperwork
Hi All I’m after some advise if at all possible. The in-laws (pensioners) entered into an agreement with a debt collection agency in November 2015 to pay off a debt at the rate of £10 per month. Recently, the direct debt was cancelled in error, they did write to the in laws but they failed to action or speak to me about it…
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Cabot financial- please help
Hello all. I am at the end of my tether here and I really need some help. So long story short- my OH had an IVA with his now ex wife (not divorced yet) , when he left he set up a separate one to pay off there joint debt of over £40,000. After a few months he had to quit his job and he was ill mentally and physically and as…
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Help please
Hi I wonder if I could seek some advice - after many years of struggling to service my debts along with several days reading through these threads (which have been enormously helpful and I am staggered by the amount of fantastic support offered) I have now plucked up the courage to tackle my debt problems I currently have…
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Lloyds Bank
Hi I'm having a few problems with Lloyds Bank. I'm setting up a joint DMP with hubby. I'd missed a couple more payments to Lloyds than he had so I had the first communication with them when they wrote to me from their debt collections department. I replied to them straightaway explaining the situation. They then wrote to…
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Response from DCA from my letter regarding
Hi All, Was wondering if anyone could offer some advice…. Back at the beginning of the year I had contact form a DCA who were acting on behalf of another DCA to chase money for a loan taken out in 2008. I’m not sure if I paid it off but don’t think I did and if I didn’t then I’m sure it would have been 2008/2009 when I…
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LCS debt collection
Hi guys I was shocked today to receive a letter from a debt collection agency called LCS looking for payment in regards to charges for a utility bill at a property I have recently moved out of. I was sharing a two bedroom flat and around February last year someone new moved in. At that time our estate agent / landlord…
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Haggling With the DCA for F&F
Hi guys. So I tackled one of my Cabot Debts today, (or which I have 3), and rang them up, and we ended up haggling. I offered 50% of the debt, but finally agreed to pay 66% of the debt -- with her agreeing to wipe off the other 33% as full and final settlement. However when the email came through it reads as follows!?!?!…
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Debt collectors and a child care debt
Hi all! I received a letter this week from LRC (legalrecoveries.com/) regarding a childcare debt of £4500. This built up until September last year, over the course of 3 years while I was a student and struggling to afford much. The Nursery were aware of my situation and kept letting my girl come when I missed payments.…
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Credit Limit Increase and Payment History
Hi all, I use Noddle for my credit history details but since some of my debt has been sold by the original creditors (MBNA and Barclaycard) I cannot see the history of when credit limits were increased and my payment history. Am I able to get this information from the orignal creditors? Or is there anywhere else this will…
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CCJ help
Just looking for a bit of advice please. I received a court letter yesterday for a CCJ. The debt is around 4/5 years old. I can’t recall having any letters sent to me and when I have looked on my credit file I can’t see the debt listed there. I do owe the debt, it was from a period when I was in a relationship where I was…
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Determined to clear my debt and be happy !!!
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CCJ and attachment of earnings order out of nowhere??
Hello, Hoping someone can advise. My husband received a letter in the post from HMCTS the other day, with an attachment of earnings order, to let him know he has to pay a priority fine via his payroll. We had no idea what this was about, so my husband called them to query it. He was told that it's for an untaxed vehicle…
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Self managed DMP anything to watch out for?
Considering a self managed DMP as I only have the two creditors but is anything different or more difficult than going through a charity? Are creditors more likely to sit up and listen if its arranged through a charity? Thanks as usual
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Weekly anounts for SOA
Hi, Im just getting round to doing my SOA in irder to try clear some credit card debt. I currently pay a weekly amount of child maintenance. So some months there are 4 fridays in yhe month and some momths 5, how do i incorporate this into a monthly SOA? If i x 52 and divide by 12 its not really a true reflection if that…
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Set aside CCJ
Hi, I'm hoping someone can clear this up for me. I had a rough 2 years. Parents died, siblings stealing all inheritance etc. I was on a lot of medication for pain and depression during this period. No work or money. I have started to work my way through some CCJ's that were put on that should not have been. I sent an N244…
