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Wescot
Hi, I received a letter from wescot regarding an account review and availability of a settlement offer. I pay a set amount off the debt every month and after reading bits and pieces on this forum need advice wether to contact them or just keep paying as normal. I cannot pay any more than I am currently doing and have no…
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Idem
Hi guys, need some advice. I have an outstanding debt of roughly £2k with Idem, the debt has ended with them after been passed along (I can't actually remember where it originated!) from 2010 to 2015 I was in a debt management programme until i realised I was paying Harrington Brooks more than what was being paid off my…
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Being chased for a debt that isn't mine
Hello everyone I'm looking for some advice regarding a letter I've received from 'Debt Managers (Services) Ltd' claiming they purchased a debt of £149.50 owed to Next Directory. No further info or dates, just the amount, creditor (Next) and reference numbers. This letter follows on from one I received a week ago, asking if…
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Change in circumstances
Ok so I have now got a temporary job for 4 months YAY!! So Im looking to make a commitment to sorting out my £5k worth of debt Ill go ahead and list them and if people can give me advice on these maybe some can be written off who knows etc etc im not sure how to post a SOA but if anyone has the link i be more than happy to…
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Money Transfer card to clear Loans
Hello, Just joined so gonna post a question I have. I currently have two loans listed below: Tesco Bank (£9k including interest) APR 8.93% current balance £3.4k left until 01/11/18 - paying £185.39 per month. Nationwide: (10k - 5 years at 12.3% APR Current balance £2.6k left until 01/04/2018 - paying £220.71 per month. Is…
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Share the love
Hi all, I know Valentines is mainly a commercial holiday where businesses get a big boom from us buying lots of seemingly unnecessary stuff but I love it. Not because it's a big spend day but because it gives us a little prompt to remember to demonstrate our appreciation to loved ones. I love the idea that today so many…
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Bargaining with dca for removal of default
Hi guys, I've been looking into possible ways to remove a small default of about 600 pounds from my credit account. I've had a small credit card from HSBC whilst I was studying towards my ba. Unfortunately I missed some payments which ended up causing the debt to be sold to 1st finance ltd. (I've checked that's it's them…
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PRA Group
I have recently just seen a default on my credit file from 2013 from PRA Group, i have never heard of this company, it shows that the original loan was from Lending stream for £400. I was unaware of this debt and have never received anything from Lending Stream. I disputed the default on my credit file as it is showing I…
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Newbies say Hi!
We've seen a fantastic influx of new forum members so far this year, across all forum boards. Welcome everyone! We'd love to hear from you.. please pop a post here to introduce yourself and tell us a bit about yourself (as much as you're comfortable with bearing in mind you can post anonymously but this is a public forum).…
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Lowell lost my £1,200 payment!!!
My debt was with Argos Card for £2,400. It got sold to Zinc before only about 2 months ago being passed to Lowell. Although Lowell owned the debt, they were allowing Zinc to manage it. Zinc offered me a 50% Full & Final. Yes I've got it all in writing in the post! I paid £1200, got all receipts and stuff and they said…
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Consolidation
Hi, not sure if this is ok as a separate thread, or if I should have added it on to my existing one?? Currently in over 50K od unsecured debt ( see my other thread for details) A couple of the cards are about to drop off their 0% promotional rates. It is very unlikely, according to the online eligibility checkers, that I…
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Finally getting somewhere!
After starting with around £20k debt I am finally into single figures! :j Still a bit to go but this feels pretty good :) This is not a gloating post, I just want to say that progress is being made by all of us and hard work will reward you in the end so keep going! ;)
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18 yr old son in debt
my 19 yr old son has got himself in debt with catalogue and pay day loans , he works but hes an apprentice and cant pay it off , he wants me to guarantor him a big loan to pay them all of but hes been a real nasty piece of work with me for years now and I really don't want to , even at this moment im getting aggression…
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Am I missing anything so far......
As per previous posts I am attempting to enter a DMP with Step Change Just want to confirm that I am not missing anything as I progress and start this up (or attempt to) - figured best to reach out on here - CPA cancellation letters sent to creditors where this is applicable - Backed up with emails to the creditors - CPA…
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My debt was sold to a third party company (lowell portfolio I Ltd)
Hi, I'm looking for advice I started to spend silly money with JACAMO I realised I was not going to be able to keep up with both the repayments and the interest so I did the smart thing and contact them to discuss it, I managed to get them to agree to freeze the interest and agree to a payment £20 a month. I have been…
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Just for fun - Kent video shop chases historic debts.
This made me chuckle. http://www.kentonline.co.uk/herne-bay/news/bailiff-threat-over-late-dvd-120389/ Would you pay up?
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Full and final settlement terminology - does it need amending ?
Hi folks, Been a few posts of late where long term DMP`ers, and others, have reached the stage of making settlement offers to some of there creditors. There has been some confusion about exactly whats meant by a "full and final settlement offer", and how it should be marked on your credit file. The very name itself "full…
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What small DFW things will you do this week? w/c 06/02
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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Notice of discontinuance
Hello, Lowell solicitors tried to get a ccj on me over an old contract that I cancelled as most the time I didn't have service. The original default balance (that's on my credit report) is £94 but Lowell are saying the want £745. I told all of this to the courts. I received a letter from Lowell with a notice of…
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Please verbally bash me to quell the urge to buy the new iphone
This isn't a joke - this is why I get into debt. I really want something and the urge takes over. I really really really really want an iPhone 7 Plus. I'm doing the thing where you justify the want just because you want it. I really need someone to "shout" at me. I don't have the cash - it would go on Very account, a…