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Service debt help required!
Don't know if this is the right forum for this but: A work colleague needs a bit of legal help! She put her car into a garage for a new clutch and service which took 2 weeks and said to the garage that she will pay in full by the 1st of June 2007. The garage were initially happy with that but now are saying that they want…
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Help needed regarding a loan
Hi ya I posted this on the loan section but i'm not getting any advice etc just basically being slated! Along with most of you i'm in a poor credit state, due to an ex and me not paying a couple of things off. This is the link to my recent thread and i would really appreicate some advice guys!…
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It's finally got the better of me.
I am so depressed and I can't talk to anybody who understands how I feel 'cept you guys. So thanks in advance for reading. In a nutshell, I bought my first house with my first husband in 1987, with a deposit paid by me. When he ran off with my friend in 1994 it had £6k negative equity, and with interest rates at 15% I…
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Full and Final offer letter received
Following on from a previous thread I have now received the letter from RMA resolve for the Amex account. RE: xxxxxxxxx In reference to our recent conversation, we can advise you that American Express have agreed to accept the sum of £xxxx as settlement of your current outstanding debt of £xxxx. This means that £xxx must…
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Paypal Fraud and Debt collection agencies
Hi, here is my story. I sold an item on ebay and, was paid £400 through paypal. Transaction went smoothly until about 5 weeks later when some form of payback occured and the £4oo was removed from my account and given back to the buyer. I phoned paypal and they told me this is a common occurance and is a form of fraud used…
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Debt being cleared
Hi I was just wondering if anyone could give me some advice. While at uni in 2003 I had a very difficult time with money and my bank (Barclays). Eventually I had a nervous breakdown and just left my flat and all my belongings and went away for a long time. I have since moved away from that area, but I had left my account…
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If I want a DFW party, afternoon tea, or brunch I'll have one or join in one.
There said it.;) Last time I looked the only person who own's this site is Martin Lewis. I'm completely not bothered where it has to be posted, here or the Arms but it's been bugging me for a while all this malarky. Right, now I've got that off my chest, coffee anyone? OK just me then, I'll get my coat.:D Forgot to say…
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Well Done Everyone
I want everyone to say "Well done" to themselves. Since my LBM I have probably had more days where I have beaten myself up over not being able to pay off my debt sooner, a momentary overspend, treating myself to something small, etc etc. But it's easy to think that once we've had our LBM we suddenly become a fully fledged…
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Advice needed please - Claiming bank charges while in DMP + More
Morning, I had my lighbulb moment about 6 months ago and have followed this site very closely. In fact reading this forum enouraged me to contact the CCCS and enter in to a DMP. I have debts to 12 creditors in total but one in particular is causing me a lot of problems. I have a nationwide credit card with a £2503 balance…
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sainsburys bank problems
Hi we are after some help ' mrs hampsterpoo rang Sainsburys bank today because they sent a statment adding charges & late payment fee of £12 to our account even through we have been paying them through the CAB arranged DMP for 3 1/2 years. They basically said that the minimum payment now was lower than what we have sent up…
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Question about paying debt early
I have only the one debt, just under 2 years left on it. Its about £350 a month, and I have the funds in my account to clear it early, saving myself a bit in interest. The trouble is that doing that might leave me short to pay my tax bill (I'm self employed), and my account might go overdrawn. Generally, which is cheaper?…
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Student Loans and DMPs
Hi, can I just ask why some people are including student loans in their DMPs? The repayments come outof your salary automatically... unless you're self-employed. And they only take 9% of any earnings above £15,000. You don't need to include student loans in a DMP. You don't need to tell the student loan company you are in…
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CCJ's and dealing with them
Hi there, I'm trying to clear my existing debts, which include a number of CCJ's with the help of my loving parents. I've written to one company, with whom I have a CCJ, and they have agreed to accept a payment of full and final settlement. I've read through Martin's advice on debt and credit reference agencies and he…
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Alliance & Leicester closed account
Guys, Had a few debt problems there and Alliance and Leicester closed my current account so I was paying them off my overdraft. I had written a few cheques that cleared it about three months ago but they never cashed them. A debt collectino agency rang and I paid them with my maestro card. After stopping the cheques at my…
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Scary Debt
Hello all! I am new to this site (due to my mother badgering on at me to join up!) and although I am 26, have some huge scary debts! I owe £900 on one credit card, owe £2000 on another card, have a loan for £3000 and owe my mum £2700 (which she isnt in a rush to have back, but debt's debt!) The worse thing about it all is…
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Want rid of small debt
Hello, firstly thanks for all help i regualry read these boards and its good information. I have a debt which is probably seen as quite small but want rid of it. Its on a credit card and its £2,500. I pay £100 quid a month off it every month but something seems to come up which means i have to use it. I am in the process…
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Advice for a new member
Hello As my name suggests, I am a big sister to a little sister with money problems. She comes to me as I seem to manage mine, but everyone is different. She is a single mum, two boys and a 4 day a week job. Nursery takes up a chuck, as does rent and utilities. She gets minimum child support, tax credits and nursery…
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How much do you think I should offer?
Hi here is my overall debt which I got into when I was 18 - 19. I am now 23 and been making regular monthly payments for last 2 years. Now my dad is suggesting I write and offer a full and final settlement to each one and he'll pay then I pay him. How much do you think I should offer bearing in mind alot of it is interest…
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paying of debts, how does it affect your credit?
im asking for my pal, shes abt £30.000 - 40.000 in debt, the bank, and one credit card, shes paying of at £5 per month, the other card,£60 a month? At a rough guess, the will take 40 years to pay off!! In this time, can she get credit anywhere? I think shes should go bankrupt?
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oh dear, old debt, I'm in trouble
back in 2000, I had a Student overdraft with HSBC. At the end of my 1st year I was £50 over the limit and my overdraft facility was terminated (they were particulary understanding). Obviously I couldn't pay the £800 so my account was closed and passed on to a debt collection agency. Eventually we reached an agreement where…