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A debt comprised of bank charges
Morning all, a little advice if possible :) A bit of background info first: Around September last year, my partner received a letter from Capquest debt collection co. demanding immediate payment of ~£370 on behalf of Natwest. As she hadn't used her Natwest account for probably over three years, we were a little suprised to…
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Paying off chunk of loan with 0% credit card
I have about 4.5K on a cahoot flexible loan account (6.6 %). I was planning to pay off a chunk of it with a windfall I received earlier this year but didn't manage it as I am a new home owner and costs have been higher than expected. I had taken the flexible loan rather than the normal loan (5.6%) for this exact reason. My…
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Seeking support/advice and good recipes
Its a long story........ I wont bore you, but basically a friend and I are both now divorced and out of abusive marriages. The circumstances of getting away, getting safe and endless court battles means that between us we are now £50,000 in debt (pauses to take deep breath). We have had to move several times, and I have…
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Consumer credit agreements
Hi,can someone tell me is there a new ruling concerning consumer credit agreeements,as back in September after many letters and phonecalls to Littlewwods asking for a copy of my signed credit agreeement,i recieved a letter from them informing me that they would not be pursuing me for this debt.However today i recieved a…
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SOA template
Hiya, I have noticed that the brave people who are reaching for help find it hard to do their SOA, as there is SO much to remember. I thought a “template” of the most common income/expenditure might be useful. Simply copy and paste this into your window and delete all that doesn’t apply and then fill in your figures. Then…
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tax credits arghhhh
i've been plodding along keeping our heads above the water, then i got awarded carers allowance for my son. i contacted tax credits and told them, and asked the guy if it would alter my arward at all, he said it wouldn't until next year as it didn't alter our income above their threshold for this year. well today i checked…
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I could do with some help.
I have been stumbling along with debt for over 14 years now, various circumstances and denial being the main reasons. My soa is something like this Wages 1400 Benefits 500 My outgoings are Mortgage 585 tvlicence 12 council tax 112 life ins. me 16 life ins.oh 47 water 44 powergen(both) 70 bt 22 tesco internet 17.99 mobile…
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Advice needed, friend in need!
Hi Everyone! I’m actually on here today to ask about a friend of a friend. Basically, I know of someone who has gotten into pretty serious debts and is currently unemployed, and because of a mix up, isn’t even receiving job seeker’s at the moment so has nothing coming in. I am not sure how much she owes or who to but I do…
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thank you all
just like to say tahnkyou to martin and all the posters on all the boards. I did'nt do an SOA as my debts are not huge about £3000 but I have taken everyones advice. Put my savings in my current account as I was so over my overdraft limit last month I got charged £125. My savings are for a visit to Oz in November to visit…
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what have you spent today? friday 23rd 2006.
absolutely nothing :) (hope you're not bored of hearing this).
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Drving Instructor.
Sorry if this is in the wrong place :o but cannot find anywherelse to put it. I am looking to train as a Driving Instructor to help increase our monthly wage but need to know if you can get a grant or any help towards the cost.:confused:
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Payment Protection
Just wondered if anyone had any thoughts: When I took out a bank loan (Nationwide) just over a year ago, I took out a payment protection plan with it because I was clueless and the way they sold it to me was as if I had to have it. Since then I've heard all these horror stories about it in the press, about how I'm likely…
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Repaying loan today.. feel sick!
I have just written a cheque for over 10k to pay off my second last loan. 9,600 to go. I feel ill because I don't know what is happening work wise yet. However, worst case, I stay with this contract until end of august, and I will have 6 months living expenses in the bank. Could have been over a year if I hadn't just…
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More good news!!!
A while ago I posted that the Insurance company that were paying our mortgage made a mistake and paid the mortgage money into our overdrawn defunct bank account. As I had just faced up to my debts and was having many problems at the time, this seemed to be the last straw. Because of the strength and support drawn from this…
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Overwhelmed
Talk about being over whelmed. I thought the debt I'm in and the paperwork that goes with it was overwhelming enough, but this site is phenomenal (in a really positive way);) When I come to 'MoneySavingExpert I don't know where to start. The amount of of posts and forums that are available and threads that keep grabbing my…
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Delivering Thomson Directories
Quite a while ago, I followed a link posted here to register for delivering loca phone books etc. Forgot all about it, but they rang me this week and offered me £58 to deliver 500 books. But 200 of them are at a block of flats and I can leave them in the community centre! Can't find the original post now to thank them, but…
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Best way of shifting £1000 overdraft before interest kicks in?
Hi, I currently have an interest-free £2,000 overdraft on my Natwest graduate account, but this will be reduced by the bank to £1,000 by the end of July. My overdraft is right up to the £2,000 limit, and I need to shift £1,000 by the end of next month to avoid the extortionate interest charges. I recently got an Egg Card…
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CCCS and Egg?
Hi as some of you will know ive eventually caved in and sought help from CCCS with my debts, the thing i want to ask anyone si that the largest of my debts is with EGG (a loan and a CC) - has anyone else had experience with them as in going through a DMP with the CCCS - are they usually accepting of the CCCS proposals or…
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update from lynsayjane
well things are going a little smoother, despite trying to live off £20 till i next get paid (end of month). got my debenhams card payed off, but in truth i only put stuff on it cause i knew i had the money to pay it off when the bill came in. though im raging at sky at the minute. got their credit card cause it was 0%…
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Major issue with a debt... court now involved
Hi... Thanks for reading this, and any helpwould be great. long story cut short 1st. My partner and I entered into a lease with a brewery (20 Years) after false promises, increasing rent, beer and not even making enough money to eat we had to close the pub as we were in such a mess personally and the business could no…
