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Halifax URGENT HELP PLEASE
I am with CCCS and they are dealing with all of our affairs.... We receive a phone call from the Halifax EVERY day stating that we are not keeping to our agreement with them... Today we have received a phone call from 'SOMEBODY' saying they are not the Halifax but it is about the Halifax on a withheld number asking us to…
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I just got a letter!
Today I got a letter from Malaysia ( I don't know anyone there!) addressed to me. I opened it and it was a typed letter from an auditor over there, explaing that a clients account (who died 10 years ago!) has 3.6 million dollars in! No next of kin... Apparently after 12 years,this money will be given to the government. He…
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Bank Charges Grrrrrrrr
STILL WAITING FOR STATEMENTS FROM HALIFAX SO I CAN CLAIM CHARGES BACK. ANYONE HAD ANY SUCCESS/FAILURE?:rotfl:
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Help with collection agency
Hi I had my own business some 7 years ago. i wound up the business (not limited) due to non payers and suffered some debt. I had heard nothing on this for 7 years until today when i received a letter from a collection company asking for £2,200!!!! Does anyone know where I stand with this debt, am i at liberty to ask for a…
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Opinions/Advice Needed
Dear All (I've already posted this in the Mortgage Forum and there appears to be a lack of interest although many thanks to those that have read and replied, I might get more thoughts in this forum as my short to long term goal is to avoid many of the pitfalls experienced by many of you i.e. living beyond my means) (I've…
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Poor credit rating - should I claim back charges.
Hi all The first thing that I would like to say is that I am posting here because of how supportive this group is. I have found the determination to finally do something because of reading the various threads on here. My credit rating is pretty shot at - I am working to build it back up as I would like to get back on the…
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What's happened to my debt??
Hello, I'm wondering if anyone can help me figure this one out. Almost exactly 5 years ago I stopped the repayments on a largish unsecured loan after the breakup of a relationship, leaving my job and having to move back in with my parents. Shortly before all that happened, I contacted the lender and negotiated a settlement…
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and yet another question
hey everyone ..hope your all well and getting that debt down:j ....i finally got my money in from the endowment lot and have paid off my remaining overdraft (then closed the account ) and paid off the money borrowed from family etc:D ..so we are in a better position however...another wee quick question as you know i aint…
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How safe are we? - Rant
Did any one watch 'Despatches' on Channel 4 last night? It just confirmed what can happen with the personal account information that we are regularily asked to confirm by call centres, in far off lands. I suppose we should be flattered that it costs anything from £8 - £55 to obtain all the information required to be able…
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Quick Question
At the risk of sounding stupid could sum1 please explain what dd dh ec etc mean? I know oh and op but that's about it! lol
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Time to face up to it then.....Any advice?
Afternoon everyone, I've been lurking for a while and have posted a couple of times over the last few days and have finally decided its time to face up to my debts! A lot of it has to do with the fact I got married recently but I can't blame my horrendous spending habits on that!! My SOA is below, I'd better explain that…
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Balance Transfer query?
I currently have a loan of approx £1800 @ 6.9 for 4 years but I have recently got the M&S 3.9 LOB card. In order to pay off loan I will incur a 2% fee for paying off with a CC. I will need to transfer to my A&L card first before moving to M&S. It will also cost me 2% to transfer to A&L in total costing me approx £92 to…
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panic time
my bf has just been told that creditors might want him to sell his car. it is japense racing car... his dream car so he is totally gutted, espically as he has spent loads on it. i know some may think he should but there must be another way? he is going through the IVA route, and is awaiting creditors meeting. any…
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Settling IVAs early.
I've seen a few people who have talked about them ending their IVAs early. Can I ask anyone who was able to do this how they achieved it? Thanks for any help :)
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The real reason why the UK is so heavily in debt
I got my nice new shiney amex platinum card through today with a credit limit of £9200 (yeah I know and the amount of debt I'm in!) and phoned up to a) activate it and b) to make a balance transfer. However amex have stopped allowing balance transfers on their cards because the UK is in so much debt, all down apparently to…
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Quidco
Hi I'm new :wave: I am reading all your posts with interest. But what's quidco? How do you earn money using it :confused:
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budget spreadsheet passworded?
Hi can anyone tell me if the budget planner exel sheet is passworded??I just downloaded it but it says its got a password:confused: ....(Im downloading it and opening with star office not exel so wondered if that was what was wrong ....although no problems with any other exel downloads before:D thanks in advance:j
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Where to begin?
Hello you lovely people:A Been lurking for a while and joined up yesterday..... Me and hubby have lots of debts (i think about £60,000 ish- i`m taking the bull by the horns today and starting to go through all the letters:eek: ) Can`t stand being in this situation anymore....it`s really not good for the heart. I will start…
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Copycat Challenge!!
I NEED TO RAISE £1200 AS SOON AS POSSIBLE (OR BY BEGINNING OF NOV AT LATEST) WAS JUST WANDERING IF ANYONE WOULD LIKE TO CHALLENGE ME TO SEE WHO CAN DO IT QUICKEST? THOUGHT THIS MIGHT SPUR ME ON:p
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I'm fuming at my water board!
GRRRRRRRRRRR!!!!! let me tell you the full story, well, I moved into a brand new house over 2 years ago and paid for my water on a meter. In january I discovered that nobody on my estate paid for the water surface drainage. So I start the ball rlling in getting this sorted as my neighbours had got a refund of £200ish after…