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Advice Please :(
Hey Hearing some of the stories on here make me feel really guilty about what i am going to say..... I am 19 years old don't go to uni and don't have a credit card or an overdraft. To be honest i wouldnt say i am in debt but i dont no where else to post this. I get paid weekly of 250 on a friday but by the monday that is…
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British Gas and Bailiffs and tears and tantrums !
Hi all, Tears and tantrums this morning !! My girlfriend has been invoiced for gas usage after she moved out of her old house. Didnt get round to addressing it and they sent matters to their collections dept. We rang up and sorted the account - we even got a refund of £11 !!!! Imagine our amazement this morning when we…
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starting to save!
hi, just wanted to thank everyone for trying to help me, since coming on here 1 week ago i am saving aroung £10 a week, £40 a month::T that might not seem like much but i can start saving for xmas!! i recently bought (well my dad did!) a massive bag of dog food-saving my £2 a week for the next month and a half and went to…
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Help Please! Brothers debt arrives at my address!
Hi, I would like advice on how this would affect me. Just recently I've moved house, and my old post is being redirected. I got a letter through yesterday to my old address, from a debt collecting agency on behalf of Barclays. My brother held a account with them some while ago and was balcklisted. He owed £2000 on his…
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Help requarding CCJ's
Hi, my partner got a ccj in december 2000 but has been paying the money to a recovery company and is due to make the final payment in october. Could someone explain to me what happens then. Does it go away after so many years or will it stay on record forever and we have to apply to get it satisfied. thanks for your help
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How resentful are you?
Honest feedback needed here. :( We were £20K in debt and we've worked like trojens to get money towards it. Both partner and me have done extra shifts whenever we could and we've sold everything of any value we had. Whats bugging me is my bike. It went too and I'm dead resentful about it. I've worked long shifts for years…
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CCA Letter
as some of you may or may not know i sent a letter to cap quest asking for a copy of the cca as they were chasing me for £340 on behalf of hsbc. i gave them the 28 days and this morning i had this in the post We write to you in regards that you have requested a copy of the cca. we have failed to received a response to your…
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I wish my in laws were DFWs!
I am getting married in a week and a day, and my partner got a phone call yesterday from his parents telling him they cannot afford to buy us a gift or help with any costs. That in itself is not a problem and we never factored any help form them into our budget. The worrying thing is it is a sign they are in major…
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Help! MBNA - I'm being hassled at work now!
Advice please! Just signed up with CCCS and now in limbo period before DMP actually gets going. I have an overdue amount on a Virgin card - yes, those lovely folks at MBNA! The phone calls have been incessant - thankfully I'm out when most of them come in (God Bless caller display!) Anyway, they have now passed collection…
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Bankruptcy is NOT only option
I have come to a very difficult decision this morning and wanted to share it with you all before I go. I used to find this site very helpful and supportive,but recently I have been getting a bit nervous about the future because of quite a few posts on here about BR being the only way out of extreme debt,well it isn't! As…
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Roof leaking!!!
We are currently in an IVA and have just submitted a full and final settlement offer to clear it. I went into my daughter's bedroom yesterday morning and the roof was leaking! The insurance company won't pay to have it fixed because it's a flat roof and they are not covered! Can anyone give me any advice as to what to do…
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Catalogue
Just wondered if anyone could help me i am trying to become debt free and have just managed to completely clear my great universal catalogue account,i have just phoned them up to say i want the account closed and they said basically they cant do that and the only thing to do is wait a couple of months and the account will…
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Managing fluctuations in childcare costs DFW style
How do other DFWers manage an increase in childcare costs for school holidays? How do you budget for this so you don't end up putting back on the cards? The term time cost will be about £100 per week and holidays would be £200-£250 for a full week. I don't think I can get extra tax credit to cover the shorter holidays -…
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Overdrafts v Credit Card
Just a quick question; If you have (like i do) and equal amount of debt on a CC and OD (bar a few quid) and the interest rates were the same, which would you pay off first. I have about £250.00 a month to chuck at this, but not sure which one to start with. Thanks in advance::j
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Can Company Administrator do this ?
Quick question for those who know about Company Law. I would like to know if the Administrator of a Limited company which has been placed in Administration, is he/she legally obliged by some legislation to contact all debtors and creditors at the time the company is placed into Adminstration? Bit double dutch but should be…
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remortgage to offer full and final settlement
hi could anyone advise me please, at the moment im on a debt management plan due to credit cards owing 14,224 i have been on the plan for about 18 months, does anyone know if it would be a good idea to remortgage for extra 10,000 and offer full and final settlement, and are there any lenders who would lend to me.
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Lowell Financial and Expired Debt (I think)...
Hi peeps, I think I am right in what I am about to say but would like your expertise to confirm that as I really, really want to tell Lowell to shove their harassment where the sun don't shine... Anyway, I had a debt with a High Street bank dating back just over 6 years ago when I was still in University and spent more…
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Moving to Payplan - How easy?
My OH currently has a DMP with Baines and Ernst which has been running since before he got divorced. He has sold his house (25% shared ownership) and it has been agreed that the proceeds of the sale which are not a great deal are to be paid to B&E to go towards the marital debt. I contacted them yesterday with the general…
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Basic Bank Acounts
Please move this if it is in the wrong forum. At the moment we have a basic bank account with the Halifax. But we are going to try and claim back fee's from when they have charged us £39 when we've been overdrawn, usually by a fiver. So we are looking for a new bank/ building society with a basic account. Does anyone have…
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Debts Sold To Other Companies and the CCA
I have a debt from a credit card company that has been sold on to another company who are now chasing me for payment. Does the original Consumer Credit Agreement that I signed with the original credit card company still aplly to this debt? If so can I do a CCA1974 request for the original signed agreement? If they cannot…
