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Wescot
Hi i entered a dmp with payplan back in september last year. On the dmp i owed Natwest credit card services around about £1700. Nat west accepted the dmp payment. They defaulted me very quickly as well. In november i received a letter from wescot saying that natwest have placed the account with them. It stated it the…
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Ruthbridge - acting on behalf?
I received a letter out of the blue the other day from a company called Ruthbridge acting on behalf of Cabot Financial who were in turn representing Barclaycard/Egg. I sent them a CCA request and received back a letter saying they'd referred the CCA to Cabot but they (Ruthbridge) "are unable to provide any further…
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Snowball calculators
Does anyone know of a snowball calculator that correctly takes into account introductory / balance transfer offers? I've tried the one on stoozing.com but I'm sure it's ignoring the 0% period. Also tried whatsthecost.com One of my cards has a £3k balance transfer of 0% for another 17 months. This cards "normal" APR is the…
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HElP!!! where do i start
HI where do i start? ok here goes, im in debt to around £17000, which includes mortgage £5500 Car Loans £4200 Personal Loans £1000 Credit Cards £4000 Family loan £2000 it seems like im digging deeper and its making me ill. ive looked on these posts and ive realised my debt is probably lower than most but that doesnt mean…
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Totally money borrowing power?
Hi Has anyone used Totally Money's borrowing power? Is it accurate?
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Advice needed new job and existing debt
Ok guys So have just accepted a contract to start a new role working for Plus net which is part of the British Telecom group I also am in the process of starting up a side hustle in eCommerce to supplement my income. My salary is £18,500 with a take home pay from Plus Net is £1,330 working full time 2 PM till 10 PM whilst…
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Council tax and Bailiffs charges - how do I appeal
Just had the Bailiffs at my house, this is a first, never not paid a bill before in my life. They say that letters were sent to my house re council tax charges for a property my brother and I rent out (dad's old house, now deceased). According to them, they the bailiff's sent letters as well as the council - I have never…
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breathing space?
Apologies for posting twice in one day! If a bank offers 30 days breathing space where interest and fees are frozen, does this affect your credit file or does this only happen if you go onto a formal plan?
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tricky situation for us
Hello, So we are in a bit of a pickle at the moment. Between us we have high debts of around 50K. We are doing our best to reduce these debts. The debts were racked up due to a house move, divorce, and general financial disorganisation for a number of years. Our situation is a little different to some of the other people…
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Council woes (once again)
Apologies if this is in the incorrect section, but I am looking for any possible advice about claiming money back from the Council for another kangaroo court appearance - I am on my fourth Council Tax Summons (with a win rate of 3 out of 3 to date), and have just been Summonsed for a fourth time from the charlatans at…
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Unenforceable Debt and Right to buy
Good morning all. I currently have debt of £2663 with PRA which is unenforceable and £5497 with intruum who are still trying to obtain the original agreement after 4 months of my original request. Intrum have offered 15% off and PRA 5%. I am thinking about contacting them with lower offers as I have come into some money.…
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Ccj
Hi all, So me & my partner ended up getting a CCJ against our names as joint defendants in a case. The amount was around the £1500 mark, which we were unable to pay in the 30 day slot for it to not appear on our credit files. We did end up getting the amount required & paid off the full amount in September last year. We…
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Help with Judgement for Claimant!
Hi guys, in a real panic here! I have a crappy ex boyfriend from 4 years back. He helped me out with some rent payments as he was planning to move in and had been staying a few times a week. After a nasty split, he demanded this money back and I refused. This wasn’t a loan, there was no agreement in place and it was to his…
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Settlement offers
Any idea how they work out the % to clear and mark as partial settled on credit file? Just had an offer via email from a Pd lender for 70% reduction to clear by next month Got me thinking to call others? The smaller balances Anyone done this?
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PRA Group, CCA received but statements are incorrect... what next?
Hi all, i'll try to keep this as brief/easy to read as poss, but need some help with the best next course of action The story so far.... An old debt was purchased by Wescot from Lloyds bank, original debt dates back to early 2009. Wescot then sold on the debt to PRA Group July 2018. I had been making regular payments to…
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supporting my brother
Hi I have been supporting my brother with his fiances since last year .I have posted before about this but in a nutshell, he suffers with some quite serious mental health issues and as a result got into a lot of debt. He has struggled to deal with his out of control finances so I started to help him. I have permission to…
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Full and final settlements
Hi I'm looking for some advice with regards to full and final settlements, I'm about to start dealing with my creditors to clear them. The debts in question are over 7 years old so no longer appear on my credit rating .From what I've read am I correct in thinking that it will be flagged as a partial payment but as the…
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Are we in debt crisis?
Hello, 12 months ago my husband and I started our debt free journey with a horrid 78K of unsecured debt. Last January we were finally in a position to tackle the debts, with two decent full time salaries and a reasonable mortgage so we took advice from this forum ( only just officially joined) and for the last year we have…
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Defaults and BarclayCard
Hello I had posted this post on credit cards, and I was suggested to post it on here Debt free Wannabe. I was made redundant back in 2013, I had 3 credit cards, 2 cards I came to arrangement with the card companies so I could them off with a very interest, both of these cards are now defaulted but are nearly paid off. I…
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Advise Needed - Credit building
Hi All - This is my first post here. As per a lot of people I have been inspired this year to sort out my finances. I am pleased to say that 16 days into the new year I have already managed to pay off my Halifax overdraft. I am now however left with £4k of debt. £2,500 is credit cards and the rest is store cards. I have a…
