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switching bank account to a basic account
Hello All, to ensure that my bank don't take all my wages for the debt i have with them,i've been told to set up a new account. I've got an idea now of which banks to avoid but would appreciate advice on which ones to use. ideally i would like a joint account into which we could both pay our wages. as our credit rating is…
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who's related to whom?
Hi All, I seem to recall this question being asked previously but can't find the info..does anyone have current info on which banks are linked to each other as I have to change my bank so they can't get their hands on my hard earned when they are told of my DMP, appreciate any help I can get on this one, especially any…
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NEXTAccount I just want to close it.....
Has anyone had any trouble trying to close an account with Next Directory? I have called them twice, last week and yesterday to close the account which has been inactive for 2 years but have recently discovered was still open with a £3600 credit limit. I was told on both occasions that it had been closed but I can still…
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Just another quick question re son and overdraft
Hi Following my earlier post my son has rung and said that he can take out a student overdraft with the Halifax and he doesnt pay it back til he has finished Uni. Ummmm just wondered if he has got this right? Can anyone tell me? Thanks xx
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Bankruptcy and tax rebates?
i went BR last july and are selfemployed so will be due a tax rebate in about may for about 2k so do i declare this to the OR or just stay stum and enjoy a holiday with it? snake
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Co-op make me laugh
I have just had a real good chuckle. Co - op have called to say my offer of payment is too low , and they want £160 per month (over two cards) based on my figures , they say that they will be entitled to it in a court of law. Now the funny thing is , I have £127 per month for all my creditors. But , no this doesnt matter,…
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Leaving my Job - advice on finances please....
Hi all. I have only been reading these threads for a short time and really would welcome some help - my head's buzzing with all the different scenarios! I have taken voluntary redundancy from work and I finish at the end of March. I will get a salary at the end of April (£2250) and a bonus at the end of May (not got the…
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Kev Wins (again)
Halifax Bank account decided to settle my case(against unfair charges) before it got to court One month less to pay towards my debts :) If you have any bank fees that they have taken from you then claim now Many thanks to DCHURCH you are my hero! Mak sure you check out http://www.bankchargeshell.co.uk/ and the main page of…
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Need some advice please, i'm at a loss!
Hiya all, I'm new to this board but i'm hoping there is a wiz out there that could offer me some sound advice. As far as i'm aware and according to my bank i'm basically screwed! Had a messy divorce a few years ago and needed to raise money to make a divorce settlement of about £60k. Managed to raise the capital by…
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confused about my new credit report
Can any one pls help me? Have got my credit report signed up to Credit Expert (experian) and since i last got my credit report all my defaults and ccjs do not show on the current report? 6 months since i last got a previous report ,this informed me that i had 2 defaults of debts i was unaware of and a CCJ all from…
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Can't believe that creditors are accepting!
Have had some good news at last about our £85000 debts. Letters have started to arrive (Egg CC, RBOS Credit Card, Morgan Stanley CC and Tesco Platinum CC) agreeing to the offers that CCCS have made for us of :eek: £1 and £5 a month. These creditors account for about 60% of our debt! I know its only a tiny tiny drop in the…
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Getting annoyed with my 20 year old son!
Hi My son is 20 and away at Uni. I am very proud of him and realise that money is short for him HOWEVER when he was back at Xmas I helped him work a budget out of £55 a week. This was just for him for spends and food(also petrol for a car which my ex hubbies parents bought for him but they pay the insurance whilst he is at…
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How do you lot keep yourselves motivated while in debt?
Hi, am having one of those days I'm afraid. How do you keep going with the proverbial chain round your neck?? I owe £25k, and it makes so annoyed to think of the way I've blown it all and got sweet f.a to show for it. I was sucked in by addiction and didn't get until it was far too late. At 25 and still living at home I'm…
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brother-in-law homeless....
Hi not sure if i'm in the right place, but just wondered if anyone could help me please? My brother-in-law is currently classed by the local council as homeless and they put him in a B&B in December, until a flat became available for him. He suffers really really badly with anxiety and nerves, which his doctor is treating…
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On a Payplan but Confused/Regretting It
Hi Advice please, I was/am in a lot of debt which was swallowing most of my wages. I signed up with Payplan who arranged smaller payments with everyone on my behalf. This halved my outgoings but extended all the debts, loans and outstanding credit card amounts to a final day 6 years in the future. One year on a lot of…
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Bankruptcy & Property - What did you do?
Seeing as its looking like the bankruptcy route for me, I just spoke to a really nice guy at the National Debtline and he couldn't of been more helpful. As I have a mortage and a secured loan and I'm in negative equity, its a little more tricky. So, for those who have been in a similar situation, these are my options - can…
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Advice on arrears & contacting my lender
Hi all Right just as Im thinking everythings coming together. I get a letter from Abbey saying that my housing association has contaced them saying im £572 arrears, thing is I dont think I am. I think I owe them about a hundred quid as I gave them a cheque ( cleared last week) for £420 . im in shared ownership. Long shot…
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Lloyds TSB loan - refusal to accept BT?!!
OH tried to get the necessary info on his loan from Lloyds TSB yesterday so that we could BT it onto Egg - however they said that the only way they would accept payments is over the counter in a branch. Are they having a laugh?? And can they withold this info from him about his own finances??? I'm not too concerned because…
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I think I'm having our lightbulb moment...
I've lurked here for a while, trying to figure out what to do - and now I'm ready!! I was very much on top of our (my and boyf's) finances before my baby was born, and since then, I've found it very difficult, we've been going up to, or over our limit each month, and I've had enough. I was also diagnosed with post-natal…
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Paypent protection policices - anyone had difficulty cancelling???
I have all my debts with payplan and they have asked that I cancel any payment protection with them. Unfortunately my Natwest Loan has payment protection on it, last time I asked to cancel it they refused, saying I would need to make the full payments for 3-6 months before they would consider taking this off. Is this…
