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Mortimer Clarke - Attachment of Earnings Fee
I recently obtained a copy of my Credit Report (just to keep myself up to date), annoyingly there is a CCJ on my file (which I had no prior knowledge). It transpires the debt has now been passed to Mortimer Clark (or Cabot...one and the same by all accounts). I asked for a breakdown of costs and it seems they have…
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Help with response to letters for BPO & BW Legal
Hi all, After more great advice on top of what I have already received from here. First issue: I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line). Apparently they now own a debt from Motormile Finance/Lantern. I think I took a payday loan out in…
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Is it best to do a dmp or wait for DCA to buy the debt
I'm hoping to get some advice as I'm really confused as to what to do for the best atm. We owe 21k and most charge such ridiculous interest that though I've tried so hard I can't see us getting anywhere and we never have enough money from one month to the next. I want to do a self managed DMP. For a while I've done a…
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Debt help
Hi i need some advice I'm in around 25k of debt and I'm 40. I have a low income full time job and a baby. I'm my 20s I went daft with credit cards etc and I just buried my head in the sand. I have a extremely bad credit rating and I have for years. I do have a mortgage but I'd like to be debt free one day and have a good…
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Debt missing from credit report
Hi I’ve been steadily paying off my debt with F&F offers, but there’s an MBMA account which is missing off my credit files (I have accounts with Noddle, ClearScore, totally money & the MSE credit club). The debt appears on the clearscore one as arrow global but it’s not been updated since May 2016. Is this too good to be…
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Brothers Second CCJ
I hope this is the right place to post this sorry if not! but i really need some advice on my brothers situation, Long story told short. My brother has received a second CCJ notice Arrears a month ago from Lowell solicitors from the company Shop Direct, this debt goes back to around 5 years ago my brother cannot remember…
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Cabot Financial Unrealistic Repayment Request
Some back ground to this first off. I have an historic credit card debt of 15+ years that I had a repayment plan setup on for £20 a month and it was ticking along. 18 months ago the debt company got bought by another one. My Agreement was scrapped and I spent another 6 months going backwards and forwards with them. They…
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Finally managed to open a bank account, but..
Hi All, I am working to lower my debt I still have a long way to go and have an active CCJ against my name. I recently applied for a NatWest current account and to my surprise I have been accepted, after being rejected from a couple other banks. All is well, I am just awaiting my card then I am set. I have my account…
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Can’t get an IVA?
Hello Newbie here. I had a call yesterday with StepChange and they said we won’t be offered an IVA with them due to the capital in our property (£80k with debts of £58k). They suggested we contact other companies if this was the route we wanted to take but said it would be very doubtful we would be offered an IVA. Does…
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Ebay
Hi. I'm after some advice about eBay collections. I sold some records on eBay and sent them to the buyer. They then said they were not as described and sent them back, but I've never recieved them. They had proof of posting. I contacted ebay and they phoned me a couple of times trying to help but the calls have stopped and…
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N56
Hi All I am looking for some advice please - hope I have posted in correct place. I have received an N56 form with regards to a credit card debt for approx £5000. With was an abbey national credit card, the DCA is arrow global and the solicitors acting on behalf of arrow is restons. This debt is over ten years old and in…
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What’s difference between DMP and Bancruptsy to your long term credit score?
I was planning on DMP but mortgage advisor said I’m better off with bankruptcy as the affect of a DMP still lasts long my after the 6 years when it leaves your file. I’m devastated to be in this situation, my partners like vets/hates me and I don’t know what’s best to do. If I do either then we can’t sell house for ten…
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Wont a DMP ultimately cost more in the long run?
Hi all . I am considering a DMP and have looked at a lot of posts on here and everybody has differing circumstances. My problem is that I have a mortgage. If I was to enter a DMP I would effectively be giving up my potential to good rates, being eligible only for sub prime rates making my mortgage payments more expensive?…
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Vague Refund and Apology Letter
Hi and Happy Monday to all! Just wanted to ask a quick question regarding the ever confusing and vague Ll*yds. I received a letter form them recently stating that a refund was due on my account. Sure enough there was also a cheque enclosed from them. The reason I'm asking for some advice on here is that I was a little…
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Hmrc debts
Hi, I was registered self employed i have an accountant. I owe a prepayment to HMRC which I can't afford to pay. (Thus year has been a difficult start).I have a credit card which I can transfer the funds into my account. Would it be better to pay and get 0% for several months or try my luck with HMRC to see if they will…
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What small DFW things will you do w/c 25th June?
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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Help with Vodafone
Hi, Unfortunately my partner is currently having a terrible time dealing with a similar problem so if someone could help out it'd be much appreciated. She had paid her contract out in full and cancelled by phone on it ending. She opened a new primary bank account shortly after so didn't realise Vodafone had continued to…
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Credit Card interest
After analysing my credit cards I have discovered I have a few with very high interest rates. Has anyone negotiated their interest rates with their credit card company and succeeded? If so, could I have a few pointers please? I have no idea where to start trying to sort my mess out...
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Life after Debt?
Reaching out to those that are debt free for advice, guidance, information. I am either five days for 36 days away from being debt free; the journey has been long and to be honest the last year has taught me more than the 15 years of being in debt. I am not planning to pay for anything with credit unless I have the actual…
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Help with catalogue bills/interest?
Hi all, I did previously post this on a different section of the forum but was advised to pos it here! Basically myself and my OH are on a joint esa claim, I have 2 catalogues (fashion world and studio) which I’ve had since way before me and him got together. I owe £645 on fashion world and pay £28 a month ( this is the…
