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Third week without living on credit
Hi All Into my third week with no credit. Kind of strange looking at my current account balance and seeing a plus figure. Still getting grieve from some creditors , but some are ok and others dont bother replying to letters. My short term contract ends Friday , but have an interview next week for a job paying £4 PH more…
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The 'I'm In Debt, Help Me' Thread
Hi My name's Adam and I loved money. Therefore I am now in debt. (Insert round of applause from fellow members sat around me). My debts are as follows: Next Directory Owed: £426.27 Barclaycard VISA Owed: £252.85 Barclays Current Account (Overdraft) Owed: £1400 approx. C.A.R.S (a credit collection agency) Owed: £65 RBS…
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Bank Of Scotland/Albion Collections
Hi One of my debts is with Bank Of Scotland. They passsed the debt to Albion Collections in January this year. I am still making my offer of payment each month On 22nd february , I received a call from Albion saying that the debt was now being passed to Blair Oliver & Scott. All interest will be frozen as soon as they…
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Settled account expires in August 2006
Hi, I have a settled account from Wescot Credit Services Which expires in August 2006. August 2006 is the date I settled the account not the date in which it was defaulted. Is this right ? Also, Experian have removed it from their records but equifax still have it on theirs, does anyone know if I could get it removed…
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barclays overdraft protection
My boyfriend has quite a large overdraft and they won't let him cancel the protection. I found an unsigned document from them about overdraft protection, I am sure he hasn't sent it back. Would this mean they shouldn't have added it to the account ?
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My Husband's tie!!!
Hi All Just thought I'd share this with you - was sorting through my OH's wardrobe today looking for a jacket he couldn't find and came across his rack of ties. What about that? I hear you all cry - well one was covered in light bulbs with one light bulb in the middle that had been turned on - seems he had his lightbulb…
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Arrested council tax
I am sick of the service i receive from bank of scotland and was looking to move banks,alliance & leicester seem to have a good current a/c but in the small print it says no-one wth ccj's should apply. My question is: I have had my council tax arrested from my wages through my own fault of just bloody forgeting to pay…
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£5 weekend challenge
I'm setting myself a challenge of doing gourmet food for me and partner for a whole weekend with only the £5 morrisons voucher I got free with petrol. Any ideas that don't mean being chained to the kitchen all weekend??
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Bailiffs keep coming round for person who doesn't live here
Well, it's not my debt but you guys seem to be most knowledgable on this subject! A few weeks ago, some bailffs came round with a Final Demand for someone who doesn't live here. We explained that to them and they went away, and then later we phoned the company to clarify. We thought that was it, but then today they came…
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Legal & trade are enought to make me want to give up altogether.
Anyone had dealings with them. I just can't get them to see that you can't get money when people don't have it. It's all you are refusing to pay, we will take you to court, you have to pay us. I just want a reasonable offer to be accepted. It's bad enough this month as we are going without to pay off another creditor.…
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Ouch finally taking head out of the sand!!
Hello everyone, I'm hoping someone out there can help me with my debts. Have been ignoring them, so to speak, was hoping OH would step in and sort them for me, but he seems to want to keep his head in the sand too, and I really can't let this situation carry on..... I have been keeping up with my CC payments but this…
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Should I sell up?
I have a Protected Trust Deed (Scotland), which is an agreement with all my creditors to repay a certain amount every month. This Trust deed has been running for over one year, I have two to go. I have just discovered that i have approximately £30,000 of equity in my property and wondered what others would do in this…
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Not really totally related but I was sat here working my money out when....
I just looked out of the window to see if hubby was on the way back from walking the dog and saw 4 young lads, aged 14-16 ish in next doors garden just about to pinch his motorbike. My heart was pounding- didnt know what to do so just banged like mad on the window and with that they shot off!!! What is the world coming too…
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£50 richer for so little effort
I've just checked my new a&l current account and found they've given me 50 quid = whoopie! (Must not go on a spending spree) I got it just for bullying - I mean pursuading - OH to change his account to A&L too. Then it dawned on me - is anyone else planning to move to A&L or moved within the last eight weeks? You can hand…
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good news doesn't last long does it aaarrrgghh!
And there I was feeling happy when a colleague at work phoned to tell me that 2 people have just been made redundant from my department!!!:eek: The word is to start looking for another job - but where? and how long do I have? SO there I was all happy with getting my protection taken off and now I might bl**dy need…
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A Huge Thank You
Hello Everyone After the new year I posted a message asking for help with a problem I was having with egg who took over £4k out of my bank account (or tried to)without being asked to. As a result I incurred charges left right and centre. I complained and was told numerous time someone would call be back but they never did.…
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trying to clear stuff...advice plz
hi! will explain situation & any helpful advice would be appreciated... a family member(i'll call him bob)came to me worried with debt they have as they think i'm 'sensible' with money :confused: , anyways I got all statements from bob on debts - was like :mad: at the amount of interest i found out he was paying. total…
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Full & Final Settlement - what % should we offer?
Hi all, My husband is about to lose his job through ill health and will be getting some money when he officially leaves, then we will go on benefits until he can find something else, I have my own business but have not earnt anything for the last 2 years (4k loss this year) so I am not earning anything now - fingers…
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Your on track then you bl**dy lose your job!
Yep the title says it all! I lost my job on Friday and I'm absolutely livid! :eek: I don't really want to go into any particulars but lets just say it wasn't the right way for them to go about it!! This is basically a big bl**dy rant. I was well on my way to paying a huge chunk of my debt off this year but nooooo that is…
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juggeling
ok, i got a loan to cover student credit cards overdraft 3etc ( i then riped up credit cards etc as i wasnt living on em i was paying em off as fast as i could) and i know that you all advocate not geting a loan to consoilidate, however it seems to ayhve worked for me, as i got a lower rate of interest on the loan, and…
