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DWP benefit debt
I posted nearly a year ago about this - despite not knowing for certain that I had not paid off a debt to the DWP nearer the time, i have been landed with a bill of £721 by them from ten years ago. I don't have bank records going back that far so cannot prove that I repaid it/they made a mistake. There was some kind of…
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DMP going wrong
My Dad has been on a self-managed DMP successfully for five years, but the past year he's had to pay token amounts as he has been on ESA and unable to return to the work he did following illness. The ESA has now stopped and he's really struggling to find work, partly due to illness and age. What is the best option for the…
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Iqor called over 14 times in 1 week for non-existant debt
I am being hounded by a company called Iqor over a supposed debt to eBay. I have checked with eBay and I owe them nothing. My question, is it legal for them to be hounding me like this? a) How can I stop them? b) What can I do if they keep calling me? This is their calling schedule for the last week: 05/12/12 0846 - Home…
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Linked Address on credit report
Hi I hace recently had a few mortgage applications declined and I have since found out they were declined due to an address I was linked to. My problem is that I was linked to this address through my ex-partner who moved to this address when we sepperated and changed her postal address on our joint account. The Halifax…
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Judgement debtor in Jail - TPDO?
Some months ago I secured a payment order to the tune of £3000. At the time I was in County court, unbeknown to me the debtor was in Crown Court and subsequently is detained at Her Majesties pleasure for 5 years! I had given up on the prospect of enforcement but it has come to my knowledge that the JD has a bank account…
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Ruthbridge
Hello I recently received two letters from Ruthbridge the first did not say to much but the second said that I owed money on a credit card debt for Associates credit cards the sum of £1410.10. This is the first that I have heard of anything from these people I have toyed hard to think of this credit card but I cannot…
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Advice about a defaulted account on credit file
I have a defaulted credit card account dating back to 08/11/2007, that is now with C L Finance. I have been paying £15 monthly for approx 3 years and the balance is at £2305. My understanding is defaulted accounts are removed from your credit file after 6 years meaning in Nov 2013 it should be removed from my file? If this…
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TV purchase from Perfect Home Store
HI, I wondered if anyone could advise me as to my rights and if I actually have any. The situation is thus... In November 2010 I took out a payment plan with them to purchase a Panasonic TV model tx-p42s20b The Payments being £15.05 a week I have always paid on time and am not in arrears however recently I have been living…
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Court Fine turned into unpayable debt
Hi I recently recieved 2 fines which were totally my own fault. One for not wearing a seatbelt and the other for speeding. The fines have been merged by Nottingham court and now stand at £410. The speeding fine makes up £320 of this and I have also been given 4 points on license. Before the fine was issued I was asked to…
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Incorrect credit file reporting?
I am seeking some advice with regards to two CCJ's I have against me. They were granted nearly 6 years ago and since been satisfied. I understand they will be removed from my file when 6 years comes about next year. My question relates to other information that has been placed on my credit file by the debt assignment…
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DMP:gopher money issue
I looked at taking out a dmp with gopher money about 3 weeks ago, I agreed over the phone and gave my debt card details. The woman on the phone said that I would have to fill out a soa and sign a contract before any money was taken. I found alternative ways to sort the debt (family) I called and told them I would not be…
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Full and final settlement
I received an incorrect final bill from First Utility about three years ago. I called them and tried to get them to correct the bill, they said they would, but I didn't hear from them again. About 6 months later, I got a letter from a collections agency claiming the full, incorrect amount. I sent the collections agency a…
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Landlord small claims court action
Hi all, I'm after some advise regarding our landlord starting court action against me and my husband due to unpaid rent. We signed a tenancy agreement to rent a house and garage beginning in May for 18 months, on the day we moved in we found that the garage is full of his things and we wouldn't be able to use it as we had…
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Unknown CCJ / How to be sure I've found all debt!
Hi all I've been trying to get myself debt-free for a while but everytime I think I'm there something else pops up.........HELP!!!!! I've recently found out I have a debt owing to Anglian Water.....the dates are wrong so the amount will be less but still I had no knowledge of this outstanding debt from 2010/11 until this…
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Advice on loan and mortgage repayment
Hi, I have been advised by my bank (natwest) to seek independent financial advice. 14 months ago work dried up and I fell into arrears with mortgage and loan repayments an OD charges. I negotiated a repayment plan for the mortgage for 6 months which has just come up for review. During this time I made no repayments for the…
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Advice re: catalogue debt please
Hi, Im looking for some advice on behalf of one of my parents. She was living with a partner who worked and opened a catalogue account. She has since split with this partner and is unable to work due to ill health so she is currently receiving benefits. She owes the catalogue £1167.60. She has rang them and advised her…
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family debt
One of my family members lent another family member a large sum of money which was used towards purchasing property. The loan was only meant to be short term and it was agreed interest would be paid at bank rate. To date the person has only paid a small monthly interest payment and not made any effort to pay the loan back.…
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Advice on holiday payment
Hi, not sure if i'm asking this in the right place but i'll give you the short story. Some months ago friends of our asked if would like to go on a 4 day break that one of their friends is organizing, we said yes that would be nice. As the months passed we received no information on the holiday, no paperwork, no itinerary,…
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Debt Company chasing debt will not write off
I don't know if anyone can give some advice? I have a company chasing me for a debt from Admiral, the company is called Ardent Credit Services Ltd (formerly Commercial Credit Management Ltd). I did not know about this as I my car insurance policy was cancelled after a mess up with the Direct Debit. I have written to them…
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Leaving the Country with debt
Due to a family emergency I have to live the country for an unknown period (probably a couple of years or more). However I have debts here in the UK which are being dealt by CCCS, a phone contract and a car lease contract. I am spending all of the money that I have on my ticket home so cannot afford to repay any of the…