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What small DFW things will you do w/c 24th September?
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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Next Steps
After reading the forum for several weeks for my best option, I have decided to delve in and start my own thread as I have come to learn there is no one-way answer for individual circumstances. So here is my story in short, After our second child me and partner decided to move out of her parents home into a council…
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Tesco Cineworld Gift card debacle
What a right debacle this has been! I bought the voucher as I was going through the till I explained to the checkout assistant I was specifically buying it because it had 20% off. When I got home I realised that no discount had been applied. Went into store today they said there was nothing they could do because I had…
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CCA help please: Moorcroft replies with returned postal orders
Hello all, We are a year into a self-managed DMP with £80k in debt to 14 creditors. It is going well and now things have settled, I felt ready to try the next stage and see if all the debts are enforceable. Last week I sent off 14 CCA requests expecting not to hear anything for some time. This morning I have received 3…
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Capital One Mortimer Solicitors
Dear MSE Folks, i would really appreciate some advice following this; I had a Capital One credit card wich i received a default in January 2015 for £865.00.I was a little bit in a financial problem and fell behind with a few payments but started to pay back slowly.Last Payment was in November 2014 and December was missed…
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Council Tax Issue
Evening All, To keep a long story short my Mum passed away in February (I was caring for her), so I've had to transfer everything at home over to me.. When I first transferred the council tax I was advised the payments would be odd for a while as they're having to bill me over less than a year. My council's (north…
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Dying with debt
Hi all, After some advice. Unfortunately my grandfather passed away last week. He had debts of approx £20k. From what I can it was a fairly even split between the following: *Cabot - Originally Barclaycard *Lowell (Unsure of original creditor but I know we received a notice of assignment to say Lowell are now the owners)…
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Chances of accepting 50% settlement.
Hey everyone! So, I'm expecting to come into around £5000 soon. My current debt is just under £10,000 all in . All of which are defaulted so I'm keen to resolve this! Has anyone got any experience of how low within reason an offer from me for full and final settlement could be? I can literally offer everyone 50% of what…
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Cabot reneging on account closure letter
Hi I hope I'm posting in the correct place? I had two loans with Black horse finance and was in a debt management plan with payplan when, Black horse decided to 'lose' my payments and thus put a restriction and an equitable charge on my property, I the went into an IVA in 2008 who continued to pay the payments for the loan…
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Consent Order showing on credit file
Not sure if anyone will be able to help me on this front. I have been clawing myself out of debt, and bit by bit my credit file has been looking better and better. I had a business dispute over a fine, which I was defending. Unfortunately, I ran out of money to defend, and a consent order was made against me for costs. Its…
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Help Understanding My Credit File
Thank you in advance for taking the time to read this... I have a number of unpaid debts reaching back as far as 16 years. I am now financially in a fairly good position as in I’m employed in a stable and reasonably paid job. Having been an ostrich in the past I now want to face up to the debts I’ve accrued and look at…
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Former Debt Collector
So this is more of a survey than a question. I used to work for a well known organisation that specialised in collecting debt and issuing County Court claims for money. I no longer work for this company and haven't done for quite some time now, but I have extensive knowledge of how they work. From how they review financial…
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Trying to get a new mortgage and entering in to a DMP
Hi all, I currently have a mortgage and have never missed a payment. My husband and I entered in to a DMP this month due to credit card debt. We would like to move house to relocate. We currently have 20% equity in our own home. The house we would be looking to buy would be cheaper than our own home so on the plus side we…
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Help water debt
not sure if im in the right place but looking for some advice i have recently been recieving letters from a company called uk search limited for a water debt of 5,592.00 im not denying that the debt isnt mine but would like some advice back in 2012 i had a letter from a debt collecter known as eos-soulutions for an…
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DLC -Advice Please
Hello, This is my first post, apologies if it is in the wrong place. To cut a very long story short, about 5 years ago I handed back a car that I had on finance to Mercedes and then they sent me a bill for damage and excess mileage which was around £5000. I started paying it back each month until one day I received a…
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Shelving the account
Today, after sending medical proof into a DCA, they have sent me a letter back saying "Please be advised that we have sent your letter to American Express as, due to your health situation, we are going to ask them if they would consider shelving the account." What does this mean? I am very confused. Thanks
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In a right mess
I am in such a mess which seems to get worse daily. I'll try to keep the background info short: * I was in a relationship with a man who through abuse took all my savings (£20k +). * As a result of the stress from this and the death of my dad I had a "breakdown" which made my existing depression worse and also left me with…
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Quick Quid Reclaim and Credit File
Dear Forum Members I am hoping someone can help with advice please. I think I may have done something rather stupid, apart from getting involved with payday loans in the first place. I had a number of payday loans with Quick Quid. I believed these to be unfair so made a complaint to the company who did not agree so went to…
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Dealing with family debt
Hi I need advice, 6 months ago my brother left to go to China, he has always worked but is a bit of a compulsive liar. A few weeks ago a person started coming to my parents house looking for him and leaving a letter. The house belongs to my parents but as it’s his last known address with the DVLA they come here,…
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From a high to a low.
So, from the high of having one debt essentially cleared, I have just had a letter before court action on another debt. Uksearchlimited have been contacting me via email, asking to call, to which I have replied I will not, and now this has dropped on my floor. What realistically can I do?
