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Advice needed: Cabot Financial
Hi everyone, I wonder if someone could give me some advice please. I became debt free in December after arranging full and final settlements with my creditors via Stepchange. It seems that one of the debts has been sold to Cabot Financial who are now chasing me for the outstanding balance even though a full and final…
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Tesco Credit Card - F&F offers?
Hi all, I have been making token payments of £5 per month directly to Tesco for about 3.5 years, since defaulting on a credit card. The balance is around £9.2k. I am currently saving to pay this off and wondered if anyone has any experience of them accepting a F&F settlement offer? And if so, how did your situation compare…
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Puzzling problem with Capquest
Hello is there anyone out there who can advise me on an issue. I had a marbles card back in 1997 and went into arrears in 2011 I was issued the usual letters and eventually went on a debt management plan. The debt was sold to Capquest in 2012 . I had other creditors on the DMP all who have now vanished from my credit file,…
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Moved: Best way to build good credit history
This discussion has been moved.
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Need to make £200-250 by next week
Got into a bit of debt and they're collecting the money next week. I don't get paid any Universal Credit until 14th April so will be too late. I cannot get a budgetting advance from them as I already owe the max. I am already listing some old toys of my daughters but they aren't selling and even if they did won't make…
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F and F strangeness
Okay so I have 9 accounts And I owe money totalling, £54k. I have been in my DMP for 16 months. I have had various unsolicited offers of reduced balances to pay stuff off but to this point I have not taken it further. out of the blue, capquest (who own a virgin cc debt) have offered me a settlement at 25 per cent of the…
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3 year plan to get debt free
Hello! After reading a few threads here and lots of articles on the MSE webiste I decided to start my own DFW thread/diary. I have been paying more than minimum on all CCs since spring last year when nurseries closed and then m youngest started school in Sept (no more £1k+pm going on childcare!), but my defnite LBM was in…
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It's time to sort it, but how?!
Hi everyone I have known for a while that being so reliant on credit was wrong but I just ignored it and 'got by' I guess. Recently when I've taken a step back and realised what I am doing and how it is effecting me, I've had to accept there is an issue and look at sorting it out. Despite the feeling of embarrassment and…
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County court form N1SDT
Hello, apologies if this isn’t the correct forum but I’m anxious for some help if at all possible. Joint home was sold in January. The estate agent we used was horrendous, and so I raised a formal complaint with them. There were numerous issues, and I wanted evidence that they had carried out their offered sales…
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Getting my head out of the sand.
Hi everyone. Im going to try and keep my story short and to the point, but i'm willing to be open and honest with you all, so please feel free to go in with the questions. For years and years I've built up silly debts and big debts. Every single line of credit I have ever had, I have abused and ran away from. Its a…
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Defaults and when does it end?
I've got a few defaults and now in a position to pay them off completely this year. they total about 2100 and have got into an agreement with all of them just to pay what I owe, However reading this from Debtcamel website....I'm geniunely confused...I thought the day the default happened was the 6 year trigger regardless…
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HSBC Charge Fees
A bit of unusual one here and the very opposite of a complaint! First my background... I banked with the HSBC from 1982 until about 2012 when they closed my account. At that time I was in a bad way, and had a loan I did not keep up payments from, a large (and over the limit ) overdraft and a credit card. HSBC closed my…
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DMP update and advise if you please
Evening everyone, Its been a while since i've been on the forum so i thought i would touch base, update my story and if i may seek some advice. Around 18 months ago i entered into a DMP due to £58k of debt. Since that time i have maintained my monthly payments. The balance is now £54k. I have 9 accounts outstanding, 8 of…
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Returning a lease car
I’m a few months into a DMP with StepChange, and I have a lease car that’s due to be returned at the end of its 3 year lease in a few week’s time. I’m up to date with payments, but there are a few dents and scratches on the car beyond wear and tear that I expect to be charged a few hundred pounds for, which I cannot…
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Best way to make F&F settlement offer
Hello all, I’m helping my Mum settle some of her debts, and I’m trying to understand the best way to approach this. She has been paying back through a DMP set up with Stepchange for the past 8 years. My Dad has lost income due to the Covid so we want to clear the debts whilst we still can. She has about £9,000…
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Software for managing home accounts
For the past 5 years I have been scanning my post and saving it in the folders on explorer - and backing it up accordingly. What I would like to do is to find some sort of Case Management System (like many of us use in work) where I can keep scanned post in some sort of history and be able to correspond from said program…
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Sorting my girlfriends debts with her
Me and my girlfriend are about to buy our first house and move in together. I will be buying the house but she has debts that I want her to work on clearing. Trouble is she won't talk about it. Everytime I bring it up she clams up and says it triggers her anxiety so change the subject. Because of this I do t know the true…
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Good Friday Update: £39,800 cleared - what I learned
**Long post alert ** As scheduled I’ve just paid the last of the wretched £21k loan I posted about in my first thread: What would you do? CC or loan please help I’m not quite debt free since I’ve got around £7k to clear on CC2
but the money I’ve freed up by clearing other debts means CC2 will be gone within
3 months. So…
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What small DFW things will you do this week 29/03/21?
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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ACI collections
Hi, I have recently received an email regards my debt I owe. Asset collections have had it since 2017 but have never reported it on my credit report. I’ve been paying via my DMP and Stepchange. They sent me an email last night saying they are now going to report my defaulted account with the agency’s! Seems a little unfair…