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Harrassment or not?
“Message for ********, It’s ****** from ****** Finance, we require a call by 4pm on Monday otherwise we will come banging on the door, You will incur expense for this. If you could return this call, xxxxxxxxxx (number)” This message was left on a friends mobile. Comments please
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A bit of a mess......
Hi everyone, A Few years ago i managed to get myself in a real mess with my finances I had 2 credit cards, 2 store cards, 2 bank loans and a catlogue. It got to the point where my outgoings were more than i had coming in and i went to the CCCS for help. They were fantastic and put me on a dmp which i have paid every month…
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linked bank accounts
Just a quick question! Hope its not a stupid one but could anyone tell me why when you set up a new bank account it should not be linked to your old one? I was reading pixie1's thread & flaura had kindly put up this list of linked bank accounts https://www.justabank.co.uk/pdfs/bank-account-guide.pdf I am now panicking as…
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Snowball Calculator
Hello everyone This is my first post although I frequently read the threads on this site. I've read in a few postings about a Snowball Calculator. Could someone explain what it is and where I can find it, please? I'm feeling rather proud of myself as I've just worked out a plan to be debt free in 2 and a half years-hurrah…
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Been refused!!
Hi all, 807.37 What I get paid 60.00 Credit Card 30.00 Electric Bill 48.09 NTL (Broadband for online bannking etc and Telephone) 54.29 Sky Digital (TV, going down to £15 soon) 72.00 Council Tax 207.00 Rent 2.16 Overdraft Draft Protection 23.00 Water Bill 152.85 My Loan 57.00 Coal 60.00 Petrol (approx) 200.00 Shopping…
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Do I go ahead and try for a Low % card.
:confused: Hi I have applied to shift my two cards Limit £9600/ balance £839 + £500 limit / £215 balance apr 21 % to a 0%card and am still waiting to hear if I have been successful. Now I have a lot of High interest debt and am trying to cut this down before I start snowballing. My husband has a £9,000 limit with £1,700…
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Junk mail made me smile
Got a post through for "the vanquis visa card" with the slogan on the front... "We'd like to give you the credit you deserve" More junk mail i thought, turned the envelope rounds and was astonished to read "typical 39.9% APR variable" That will be filed away, in the bin (after checking there are no pre filled in forms or…
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Asset Link/First National
My husband and I have debt with First National which was sold to Asset Link. We requested a breakdown of our account in order to recover charges from them (another story). Looking at the statement what has amazed us is that for the past 12 months we have been making payments through Payplan £37.34 and Asset Link have been…
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what are you planning for your debt free life?
hi all, its taken me quite a while to finally have my lightbulb moment and at 32 i have suddenly realised that if i dont start paying off the money i owe now i may well stay in debt for the rest of my life, always robbing peter to pay paul, buying on the never never and generally living beyond my means. i am glad i have…
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Paypal
I have just had paypal ring me and take all my details, does anyone actually know how long it usually takes them to let you know if they can assist with doing an IVA. debts total 40k all unsecured and 170 per month available to pay them. ta people
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Companies amaze me
I am not suprised to see so many people struggling with debt what has happened to me recently just amazes me. I already had the following 3k on cc1 (maxed) 13k on cc 2 (maxed) 20k loan 1k overdraft (maxed) 7.5k on amex cc (unused) on top of an 89k mortage. and halifax then turned round and agreed a further cc for 3.5k and…
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Trying to get out of debt
Hi and Help Thanks for reading my very first post....... I owe £15,700 on credit cards (cc) all with PPI and I have a loan which will be finishing next year, all cc's at 0.79p/£100. I don't have anyone to beg or borrow off so I do need some kind of insurance, I'm not envisaging to be run over by a red bus but ...... I have…
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Help with SOA
Thanks everyone!
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the 23rd debt - a bit of fun
I was on a training course yesterday, which included talks about finance and debt management, ( that was the part I was speaking on as it is the area I work in) and this variation on Psalm 23 was read out at the opening session - "The Credit Card is my shepherd - I will always want It makes me live in the land of not…
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Blair, Oliver and Scott
One of my creditors is Bank of Scotland - debt of nearly £2000 from their Preference Account. My DMP is now nearly 4 months old and pro rata payments have been made to them. I have had 2 letters from Blair, Oliver and Scott saying debt is now theirs and pay up in full or else. A woman from them just phoned and was very…
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Bucannhanclark and Wells
Hi My sister has had some financial problems due to poor money management, she has done some stupid things not paying her mobile bill and ignoring warnings. She had her lightbulb moment in Sept last year and has worked hard to pay off her debts. Her last debt was in the hands of Bucannhanclark and Wells, she paid this off…
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I really am C**P at budgeting
Thought I would go through my receipts so far for Jan. £150 tesco £13.98 tesco £40.75 Cadbury garden centre (cross stitch kits and candles) £47.98 Light shades, mirror, table lamp, oven gloves. table cloth £26.74 Lidl £4.63 Headache pills £60 DD2 glasses £5.38 M&S (had £5 voucher and got carried away) £45.24 Tesco £87.75…
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I just cant wait to be free!!!
2006 is the year me and my oh get out of debt... :j this website has been our turning point (dec 05) thank you to all those lovely people... we plan to pay the min payments on all the debts (most with debt collection agencies with reg payment plans and no intrest..) and then use the spare we have from tightening our belts…
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debt/defaults
hi, i would appreciate some advice regarding defaults. we have always been crap with money, but we have sort of started to turn things around. we have two defaults, one my husband £11.000 and one me £3,000. they are both with debt companies, interest frozen and we are paying regular amounts. we remortgaged a year ago,just…
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Any ideas - help?
Hi everyone, Had planned to be a bit smart and take advantage of the cahoot fixed loan rate (APR 5.6) and use it to replace my cahoot flexible loan. But I got turned down???? :confused: I really don't know why. Have had a copy of my credit file a few months ago which do not display any problems. Am really foxed by this.…
