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British Gas Highway Robbers?????
Long story short we moved into our house 2 years ago. Set up a DD with British Gas who failed to take any payments for 12 Months:confused: Anyway we were not quite so on the ball at that point with regard to checking our bank statements etc so basically didn't pick up on it. British Gas did and asked us to repay the…
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mobiles
am posting for me dad this time. we used a site to get a mobile unlocked before and it only cost about £3 (£10 if you go uptown) but i cant remember what site it was :confused: can anyone recommend one please :j kas x
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Court Action Please Help
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advice sought
II'm posting on behalf of a friend, she's today came back home after looking after her ill father to find a letter from a solicitor referring to a ccj and a debt. Bryan Carter & Co Solicitors 05 September Dear Sir/Madam IN THE Nuneaton COUNTY COURT RE: Nationwide Building Society CLAIM NO: OUTSTANDING ARREARS:£150.00 Dear…
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Confused!
Hello, this is my first post although I've been reading a lot of threads here and have been amazed at all the helpful advice and support you guys give :T My light bulb moment was like waking up from a bad dream! As of now I feel strangely relieved to finally admit I cannot carry on paying my contractual debt repayments any…
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Soa
My SOA: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1065 Partners monthly income after tax....... 300 Benefits................................ 652 Other income............................ 0 Total monthly income.................... 2017 Monthly Expense…
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A Rant,companies that charge a fee for DMP
Hi I just wanted to write this down and warn people of horrible companies that charge a fee to set up a DMP, and in the long run probably dont even contact your creditors. Me and my h are in a fair bit of debt, all in my name though and have decided to go BR at the end of the month. Anyway, whilst deciding which way to go…
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Buying Back My Account - What to do?
Hello Everyone I have just received a letter that has been passed onto me by my Sister that has been delivered to her address. It was from a creditor I had around 10 years ago. I used to live with her and after moving I put the debt to the back of my mind as I was having many other problems at the time. The letter is from…
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Starting a slippery slope
Hi everyone. Have been a lurker for a while but just starting to think I need help. I managed to get an interest free credit card around 9 months ago which gave me a stupid limit of £11,400 and a licence to spend. I have run up a debt of close to 7k in this short space of time and I am just starting to find the min…
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SOA - Drowning in credit card debt but worried about DMP
Hello, apologies if I do this all wrong. I've been in touch with Payplan and filled in my details for them, waiting for them to contact me now. I'm really worried about how I'm going to cope being on a DMP, how long it's going to set up, whether all my creditors will go for it. I really really need my credit card providers…
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Loan to pay of Credit cards???
Hello, I'm new to this forum. I have credit card debts amounting to about £12k. Is it better to take out a loan for that amount and pay of my credit cards? As this would reduce my monthly credit card payments and also in the long run I will be paying less interest. Can someone help me as to the best way to clear these…
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looking for
hi i am sure i have seen somewhere an over payment calculator and i cant find it anywhere :rolleyes: . can someone please point me in the right direction kas x
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DFW newbie - getting things sorted
Am feeling quite positive at the mo, just dawning on me that in order to be debt free I need to watch the pennies in my purse and in accounts EVERYDAY! This site definitely helps with support and advice. These are the steps I have taken so far to help get back on track: Requested a payment holiday from the mortgage -…
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Someone elses debt
A few years ago, when I was still married my husband and I took out a loan for around £6k for my parents as they were blacklisted and could not get a loan themselves. They agreed to pay me by standing order each month a set amount. 2 years ago me and my husband split and this was the only debt remaining. It was then though…
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Credit Card Debt Advice
Hi, newbie here, and have a quick question if that is OK?! I have two long standing credit cards (with Nationwide - £6,000, and Capital One - £4,000) that I have been desperately trying to clear for some time. I haven't used the cards for well over a year and am just literally paying off what I can monthly (normally just…
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IVA finished. How do I improve Credit rating?
Firstly hello there to all members! I have now just finished my IVA and recognise a need to get a credit rating. Any advice would be greatly appreciated please? Info: I paid my debt of with a lump sum which was always agreed before I started my IVA. I am now waiting for the correct paperwork etc to confirm. I rent at the…
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"If only they could all do this" thought.....
Hi everyone. On a previous post I mentioned that I was paying the Abbey extra money as I felt bullied by them into doing so - this extra was on top of the money the CCCS are sending them (but the CCCS did not know about it). However, that extra money I was sending them has now had to be diverted to the mortgage as this…
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NEW MEMBER - Turning over a new leaf
Hi All, Just wanted to introduce myself as I have been getting stressed for a long while now with debt, but have decided to pay it all off and turn over a new leaf. I'm aiming to be debt free as soon as possible. I am 25 and currently live at home with my Dad. Graduated with a HND in music tech about 2 years ago, but work…
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Paying somebody elses debt!!
Hi to all, My first time so be gentle! My Fiance, who I have been with for 3 years, had a joint account with her ex. When they split they also split their debts between them and each got loans to pay them off (which my fiance did, her ex didn't!). He was responsible for paying off the joint bank account but 4 years on he…
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House prices v divorce
It's not quite about debt, but there's an article here about the relationship between divorce rates and house prices ... http://citywire.co.uk/personal/-/personality-finance/bricks-and-mortar/content.aspx?ID=313791&Page=1