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Phone Contact debt
HI, I had an orange phone contact for 4years, but i closed my account/contact 10 months ago. I believed I had paid in full and did not owe any money. Last week i received a debt collect letter from orange saying i still owe them £10.12. And that they were going to send a debt collection agency around. A couple of…
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Who owns my debt
I am so confused!! Many years ago we had a shortfall in our second mortgage (Welcome Finance) when the house got sold through a Scottish government mortgage scheme. three years later Welcome Finance sold the outstanding debt to a debt agency to collect money owing. I have received a letter confirming they have taken over…
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Limitations act and restrictions on property
A friend has a house with a small mortgage on it. He wishes to move but seven or eight years ago got into finacial difficulties (loss of job etc) and ran up debts with his bank. The bank offered him a credit card and again he ran that up to it's maximum. The two debts were £4000 each, but the bank kept adding charges that…
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Telephone number credit rating
Hi, Weve been getting numerous calls for an unknown women, upon speaking to some of these cold callers, we've come to the conclusion that she owes them money. We've had calls from RBS EOn and many others, looking for her, but she doesn't live in our house and never has and as far as I know has never had our number as we've…
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Ex Wife Mobile Phone Bill
Hi, I do hope this is the right forum to post this question. My wife moved out of the country (to the USA) at the beginning of the year and she took with her a mobile phone that was six months into a two year contract. She cancelled the payments from her bank account at the time. Now the phone was in her name and paid from…
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death in service and loan payments.
Hello, my uncle sadly passed away last week, he has left me named to receive a £41000 death in service payment, he also told me he had some unpaid unsecured personal bank loans to the sum of £20000 that he took out years back. He lived alone with no partner or children and has no property, assets, insurance policy's or…
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Council Tax Problem
Hi All, I hope you can help. I cant seem to find the information and wondered if anyone can help. - my apologies in advance for the poor typing, but im on my laptop and it has dodgy keys. To cut a very long story short, back in early 2012 I lost my job. I applied for JSA and shortly after recieved assistance with the…
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Marstons Bailiffs
Hi We have a debt owed to HSBC which has been sold to Marstons. HSBC have county court judgement and a charge on our property for this debt. My problem is that we have been paying £200 per month to Marstons for this debt but my husband is unemployed presently and we can't afford that much. Marstons asked us to email an…
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income and expenditure
Hi, I am trying to fill in a income and expenditure form I would like to know if there is a set figure IE for house hold expense for food and grocery's, I have been told by many debtors there is a limit set for IE two adults and two children of £180.00 pounds? is that true? if not what is the limit? Thank you earliest…
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six year old debts can they still chase me for them
Hi, I have debts that are six to eight years old, ranging from bank loans to overdraft due, i was a bit of a wildchild and out of control with my spending, what I am looking to find out is whether they can still pursue me under scottish law for these debts? I haven't been taken to court etc, the banks just pass my details…
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Vodafone will not accept they are WRONG!!!!!!
Hi I really need help . I have had a dispute with Vodafone about my husband’s phone since February 2011, so far I have tried to sort this out myself direct with Vodafone, then I used the Financial Ombudsman service, but the Ombudsman’s final decision is siding with Vodafone even though the Ombudsman agrees Vodafone did not…
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considering bankruptcy to get out of too small house in negative equity
Currently own 1 bedroom maisonette - 4 people (parents and 2 small children - 2 and 4) sharing bedroom and no other suitable room to turn living space into bedroom space. We owe about £176k in mortgage & secure/unsecured loan on house but house currently worth £165k. Have just over £10k in other debt and on debt management…
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Disputing a mobile phone bill
I have a very worrying phone bill of £4020. This bill was incurred on the 12th of May 2012 whilst I was working abroad in Brazil. The Bill is for text messages sent from my mobile to Indonesia, 800 messages in a 24 hour period. I am trying to dispute these messages. I sent one text message to my friend in Indonesia on the…
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help .. where do i stand??
Long story short .. I had a business (sole trader).. needed to grow, but needed a business partner, not an investor, as i was making good money. The partner was to help with books etc. and to give the business the ability to import some products from Europe. I am not too good with paperwork. A friend (who i trusted)…
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log book loan
i took out a small log book loan, unfortunately as always things have gone wrong I owe 70.00 I now only earn 60.00 a week my self employment Is not to be counted on at the minute as the weather is cancelling the events. to make matters worse I wont answer the phone to them, they just give me grief saying its not there…
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Debt collection agency
I am receiving mail from Phillips Debt Collectors for some-one who I believe lives in the next street. I called them to let them know, but they say I must write to them with a copy of my council tax bill to prove who I am. I told them they could check the electoral roll themselves but they refuse. I am worried that such…
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fradulant payment from card but neither bank will help
My Gf has a bank account which has had 2 payments withdrawn from it , they are labeled paypal but she doesnt have a paypal account linked to that bank account. she rang the bank but they have said that they need confirmation from paypal that the withdrawl didnt happen but as its not a real payment it doesnt come up on her…
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up to my neck in debt
hi. im really worried about my finances at the mo. im currently 3 weeks into my pay month and am 216£ over my overdraft limit of 1500. i also have a credit card that is maxed out at 4500. i am struggling to get myself out of the cycle of charges and repayment worries. any advice will be appreciated
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ccj
hi guys, in 2009 i got a ccj for not paying my outstanding orange telephone contract (£700), i did not know of this ccj until i applied for credit in 2010. in 2011 i received letters from LOWELL PORTFOLIO LTD demanding the full amount which i decided to pay on a monthly basis and eventually paid of the full amount in 6…
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Urgent advise needed please
A couple of years ago my best friend was suicidal as she was in lots of debt as her husband expected her to still pay half of bills etc although she couldnt work full time as she was bringing up THEIR 3 children. He never helped her with money and said she had to pay her way. I was so concerned me and my husband decided to…