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CCJ is it possible to reduce settle before?
Ive just had a ccj listed against me, its my debt I own up to it. However i have read if I pay before 30 days it wont go on my record. After struggling through 10 years of debt and facing it head on I am trying to get in a better position in 12 months, all but one default has left my credit file so this ccj will set me…
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HMRC debt anc credit file
So I have been speaking to HMRC today about a tax debt of around £1400 that I owe. I don;t dispute the debt, however I do disagree that they want it back within 12 months. This would cause me problems. THe advisor said that if I am not able to pay within 12 months then it would be reffered to a debt collection agency (DCA)…
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Job Offer - Pre-employment checks and CCJ, "Fit & Proper" & "Financial Integrity"
I have received a job offer from a Big 4 Accountancy. The role is, however, an Advisory role in an aligned business with no Financial Services clients. Think more Food, Consumer Goods, etc. I have been set a series of Pre-Employment checks including Address History, Work History and a Financial Propriety check.. "Have you…
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HSBC - Fiancial difficulties team
Hi, I just wondered if anyone had any experience of dealing with them, particularly in terms of an overdraft problem? Katie
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Lowell “prove it” information wrong?
Hey everyone. Basically I have around 10k of debt mostly with Lowell. Over the years I’ve avoided it but now I’m ready to get stuck in. I approached Lowell via email and basically told them to prove it (using a template) they put my account on hold while they do that. Today I recieved the first bit which is a final bill…
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Asset Collections - CCJ - Notice of Allocation to Small Claims Track (Hearing)
Hello, I would like some advice please. I am being taken to court by Asset Collections and Investigations for an unpaid loan originally taken out with Avant Credit 21/01/2016. I will try and give as accurate representation as I can of events so far below. I received a letter from Asset Collections & Investigations (ACI)…
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Credit agencies/reports - accuracy?
Hi All, Just wondered what people thought about using these agencies to keep on top of their finances/debts/DMPs etc...? (I'm personally on a DMP with Stepchange paying 8 different credits every month). I'm having a few issues looking at my Noddle reports - they have been mostly fine and a good way to follow my balances,…
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High income child benefit charge letter - anyone else received this??
Hello Today I received a letter from hmrc regarding high income benefit charge. The letter stated that they are writing to people as lots of customers aren;t aware of the high income child benefit rules. They have included links to calculators etc that you can use to work out how much you might owe. I think I might owe…
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Be ruthless!
Hi everyone, So I am technically in debt, but in about 2/3 weeks we will be completing on our new house and will be paying off the credit card and furniture loan coming to a total of around £4000.00. However, going forward in our new house, I want to have as little going out as possible, so I can maximise paying off the…
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Pra group
Hi, my partner has received a letter from pra group saying that on 24/07/2013 his account was assigned to them. After reading other posts on here we sent a prove it email to them. They have responded by email requesting his date of birth before they can look into it. Is this a usual request and should we give them it?
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I'm Starting To Panic
Hi all, As the title suggests, I'm starting to panic about my current situation. Last month, I was fired from my job in telemarketing/sales (I was underperforming as I'm not a natural salesman). I've been looking for work ever since, but I've now burnt through what savings I had and am left with a £500 overdraft (currently…
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What card should I pay off - AMEX or BCARD?
*title should read "balance transfer" not "pay off" I'm trying to cut down my CC payments at the moment, I've been accepted by MBNA for a Plantinum card, I think its 36 months interest free and they are giving me £5800 limit The balances I have are... BA AMEX Card - Approx £8500 - payment this month is £338 (I think rate…
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Second Charges & Interest??
We have 2 charging orders on our property which we are currently trying to sort out so that we can remortgage but the charge holders are trying to rob us blind (in our opinion). Both CCJ's/Charging order were granted whilst we were having temporary financial problems due to the collapse of my business at the time and as a…
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Somerset CAB to be cut £500,000?
I just heard a very clear proposal from Somerset Council on ITV news but can find nothing online, even on the ITV site - that Somerset CAB is to be cut £500,000. Anyone got more info on this? That's a huge cut, more than Cornwall faced earlier this year when they were being cut to zero! And it's a similar size county.
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How to help my niece
Hello, My niece has been in touch (she is 28 and newly married) saying that she is over her head in debt. She has a good job but obviously spends too much. I have enough to help her BUT I could not do it without my husband knowing and he would ask why her parents are not helping. My niece does not want my sister to know (I…
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CCA request payday loans?
I have some payday loans that defaulted several years ago and are now with DCA's. Has anyone had success with CCA requests, have they ever come back UE? I've looked at quite a few threads but they seem to be for more 'official' companies :)
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update on contact with debt collectors
As you may have already read my situation in the the post titled ( advice please ) I have contacted 2 off the debt collectors today and emailed all the revelavant prove and statement of affairs. Aswell as my whole life situation Lowell group outstanding £4294 after speaking to these and sending my stepchange ref and there…
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Can Lowell request my passport?
There has been an ongoing case with this company, citizen advise is helping as well as the account they claim i opened with phone company in 2014 has been opened by someone else as a fraud... I do not remember having account with them, they ask me to pay £ 750...In 2014, when the account was opened, i lived in a share…
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Credit Card Interest
Need some advice, got myself into a bit of a mess with credit cards. Basically I have 4 with the following balances - MBNA - £1300 Barclaycard - £2250 Lloyds - £750 Capital - £300 I'm struggling to pay them all as I also have 2 loans (Avante and Likely Loans) plus my household bills. Would I be able to write to the credit…
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What small DFW things will you do w/c 3rd 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…
