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MSE News: Mental health charity calls for banks to help vulnerable customers
Banks should introduce options like voice recognition and web chat facilities to help people with mental health problems...Read the full story: 'Mental health think tank calls for banks to provide support for vulnerable customers' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t…
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Urgent Help Needed - CCJ
I know it's really frowned upon to make two threads on the same topic. Very, very sorry, won't do it again, but I'm desperate for some advice. Just posted this: http://forums.moneysavingexpert.com/showthread.php?t=5591544 in (I think) the completely wrong place. Basically - the local County Council have apparently…
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How to manage my debt & debt collections agencies
Hi all, I have accumulated just over £15K of debt over the last 3 years, due to a nightmare situation with the property I own having damp and my having to live elsewhere whilst paying the mortgage and being unable to let it out. I have got into debt using credit cards to get by on a day to day basis, and by not paying…
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gym debt
Hi all Myself and my other half were members of a gym up until May last year. We did the silly thing of cancelling the DD only and not telling them we wanted to cancel out right. My otherhalf is now training to teach classes at gyms and some of her help is mainly based at said gym. They have said that until she clears her…
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problem with DCA satisfied default
I have been in talks with lowells to try and get the satisfied default removed from my credit file . they emailed today to say they refuse to remove the satisfied default and asked what I am going to do with the other 2 defaults on my credit file?! I have never mentioned any other defaults to them so i would like to know:…
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Rossendales - Council Tax Debt - Query
This morning we had a early morning call from a man who stating he was from 'Rossendales' and had a liability order for my daughter regarding unpaid council tax. Now my daughter has lived in the UAE for the last 3 years. We advised him of this and he left a letter asking for it to be forwarded to her. The letter basically…
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Very/Next account transfer HELP!
Hello! I have to a very account (£1684.00) and a Next account (£1733) interest is high and I want to transfer both balances but those account don't allow you to do that, I think I'll have to clear both balances with a credit card then transfer the total over. Is this right and what cards? I'm clueless
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Help enforcing CCJ
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I need help before the red letters start arriving
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1112 Partners monthly income after tax....... 0…
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Unlawful CCJ?
Hi Everyone, I'm new to the forums so bear with me. I received a CCJ on 30/1/2015 from a debt company for owing to my bank (LlyodsTSB) around £1000. The thing is I was completely unaware of said debt, had never been served with anything and only found out after applying for credit and being denied. I then went on experian…
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Hello! i'm new but determined!
Hello everyone! This year I would like to seriously get my finances under control. I'm sick of having to turn down things because I don't have the money. The reason I'm in debt is due to a lot of reasons but there is no point in going into that, I need to look forward! My situation isn't as bad as some but I want to get it…
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Unfair interest charge
Hi In 2015 I bought a laptop on a 'buy now pay next year' offer. I saved up and when it came to paying for the item I did so in good faith, four days before the due date as it requested. I went on the company's website to pay, entered all my details and a page came up saying 'your payment of £*** has been accepted'. A…
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Dinah dog bites back
Hi - I would be really grateful for some help sorting out my current position. Here is my Soa and I will post some details below, many thanks Updated SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... Number of cars…
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Anything more I can do?
I was made redudant 2.5 years ago. I started my own business after that but I wasnt making enough to get by. I managed to get in about £8k in debt in the process. I'm currently back at college (going back to uni to do a CS degree). And have paid off ~£3k of this debt. My current debts are as follows capital one - £1150…
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Consolidation loan?
I have debt of approx £9.5k on credit cards and overdraft, I am considering getting a loan with Sainsbury's Bank, so that I have just one payment to make every month, instead of paying money (two direct debits) on two credit cards (both 0%). I regularly just do balance transfers, and I never come out of my overdraft…
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Reduced my credit limits - Big mistake
Hi, I would like some advice please. Over the last 4 years I've been steadily reducing my credit card debt with 0% cards, switching when the offer ends etc. About 9 months ago, I was reading an article online, and misread the advice. I thought it said that having high available credit limits was a detriment to your credit…
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Full & Final Offers
Hi all, Firstly, many thanks for taking the time out to read and help! I've posted din the Bankruptcy forum as I've been advised that Bankruptcy is the best way forward for me. However, I would rather tackle my debts in a different way. I currently pay £500 per month interest on the following: Barclaycard: £7000 Barclays…
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Joint car finance and a bad break up!
Good evening, Sorry if this is the wrong place to post, I'm new! I am hoping someone can help me shed some light on an issue for me please? So my husband and I parted ways once I got fed up of his temper and controlling ways. I wasn't allowed to have anything to do with the finances, my wages went into a joint account, he…
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Barclays Partner Finance
Hi I have 3 items with Barclays partner finance - I stopped paying all 3 at the same time and stepchange paid the token payment plans. I have just checked credit file and they defaulted one of them April 2016 but the other 2 are showing as late payments still. Can I write to them and request defaults?
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Unfair default
Hi I had an overdraft in 2010 but was unable to pay off in full so went to Paypal. I recently looked through my credit report and was surprised to see a default on my account two years ago. I phoned the bank and they say that because there was no ‘arrangement to pay’ the account was defaulted. During this time I did not…