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IVA, but still being chased
We have entered into an IVA and have been in it for nearly a year now. The trouble is Halifax have 'sold' our debt to a recovery company who are chasing us and threatening CCJ's if we don't pay. We have phoned them and told them that we are in an IVA, but they either don't understand or don't care. We have had final red…
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Halifax Bank....What does it mean?
I recieved a card in the post today from the Halifax Bank it said... IMPORTANT NOTICE Our Representative will be calling your home on 17th May 2006. If this is not convenient please telephone 0870 8501291. Has anyone else had one of these cards? Thanks
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Student loans (Scotland) - does the "six year rule" apply?
Hi, just a quickie really, Is there a timeframe in which the student loans company have to write off your debt? I've not heard from them in years, maybe 4 or 5, and was wondering if they'll eventually realise and come after me in 20 years time or not. anybody know?
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Going to sort it!
A great find this site and very happy that I can say what Debt I am in and it feels good. So I am just copying other people and listing my debt. A few months ago everything was out of hand and I had over £34K of debt. I have set up a Payplan repayment plan and am pay £486.89 per month. At this precise time I have…
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Tryig to get out of debt
I am a student trying to get out of debt and know that this will help me and others too so please read it and see what you think. Make Money With Pay-pal!! Seen on Oprah!! Very Legit! Get Your PAYPAL CASH Gift Today! This thing really works, all you have to do is be honest and you will love the benefits. This is a great…
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Queen B. Hello...?
I just had a thought that we haven't seen Queen B. for a while.... If you are reading this....hope you are ok and would be nice to hear how you are/how things are going hon. Hugs. L.A. x
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GREYPILGRIMS Finance Planning Spreadsheet
Mentioned posting this in a a couple of other threads - here it is guys. Hope it helps. No way as versatile as MS Money or other commercial packages, but it's free and up for grabs if you can make use of it. Sorry the instructions ramble on for a bit, but then again thats me all over. Any feedback welcome! Cheers GP
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GRRRRR - how irresponsible is this???
A few days ago a catalogue came but didn't really look at it until tonight - ok I admit it, I had a cleaning fit! - and couldn't work out why I'd been sent it as I've closed all my catalogue accounts and certainly haven't applied for one. Anyone it turns out that becuase I have/had a LX account and I was quote - a good…
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egg card bt
hi my friend has a balance of £3000 on a credit card 15.9 % and she was looking to know would she save money if she put it on the egg card at 6 mounths interest free egg charge 2.5 % for balance transfer thanks
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CCCS help
Hi everyone I had my telephone interview with CCCS today after fretting about it for weeks. I went through my income and outgoings with the lady and worked out what was left to pay crediters (i can pay £270 a month on a debt of £39K which will take around 12 years on a debt managment plan). I'm fine with this - as i…
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Loan or Credit Card??? Help!
hi, I have an existing Egg loan which i am paying off monthly, which is fine. I also have the following: 1. mbna loan (12.9%): £11800 @ £246 pcm 2. ms c card (15.9%): £4800 @ £96 pcm 3. barclaycard (15%): £822 @ £67 pcm I am conscious i am paying mostly interest on these, esp the cards. I had looked into getting one loan,…
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Do moorcroft buy debt
or are they part of egg. Just asking because they don't seem to know. Have offered full and final settlement offer which they rejected saying egg won't accept it. However when I said ok I'll send the offer to egg to find out if they will accept it, they got all flustered and said egg don't deal with the account. So which…
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Fed up of being skint
Hello I'll start by saying that I appreciate that I'm pretty well off debt-wise compared to most on here but we all have our bad days and unfortunately today has been mine! I've got myself back on my feet over the past few years and have gone from owing around £12k on loans and cards to what is on my signature below plus…
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Debt-Free Roll Call
I have had this idea for a while.... I wondered if this would help everyone on the Debt-Free Wannabe forum.... I thought may be we could have a thread called something like the 'Debt-Free Roll Call' which would simply be a thread which detailed the people that had become debt-free because of this site (although this does…
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is NatWest debt collection via Capquest? or a different company?
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Threatening letters for old tenant
I have lived in a rented house for a year now. The previous tenants separated in October 2004 when the husband moved out. The wife left last year when I moved in. I do not have forwarding addresses for either of them and nor does my landlord. I have received quite a few letters about money he owes and have sent them back…
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Pension credit vs. nursing care costs
This is perhaps not the right place for this thread but... Does anyone know how much an elderly person in care is allowed to keep for essentials (bath and hair products, slippers, some clothes when needed, etc.) after paying for care from the pension credit of £114.05 per week? Thnx.
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Query about my credit report
Hi all I got my Experian credit report today and although it doesn't show any problems it does have a record on there under the CIFAS section with the details of the dodgy landlord of one of the flats in my block. The trouble is, he's nothing to do with our flat, he doesn't even live here (there are five flats here) but…
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So much Debt & want to buy house- any way out?
Hello all, just joined this forum and i wanted some advice please! I have lots of debt (20,000) in graduate loan and credit cards and another 2 small loans. Most of these are from when I left college and lived a lifestyle i couldnt afford. I now have settled job, earn pretty good money and rent a house. I havent got in…
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Help please, lightbulb !
As my username suggests, I have had my lightbulb moment, and its time to transform my money outlook. First things first, I am in the fortunate position of having 'manageable' debts. However, we are expecting our first child and having looked at our finances, I really think we have been frivolous in the past and frittered…
