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Is this usual for cards to do?
I pay my cards monthly by cash-Monument agreed to a repayment plan of £20 a month-I paid my last bill as normal and then paid an extra £3 in online-I rang them up the other day and they told me that because I'd paid the £3 in that was classed as breaking my agreement for the repayment plan.I asked why and she said it…
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1 month since my LBM
Well its 1 month since my LBM. i.e. every payday im going to record in signature how much paid off. Once my salary is paid in each month, any remainder will be placed onto outstanding debts. This month i paid off over a grand in debts. Now where was this money going before ? Just wasted on day to day spending - amazing…
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I had a bailiff round today
I'm just having one of those days today! And to be honest I am feeling really sick of it all. About 7pm this evening the doorbell rang and it was a bailiff come to collect £156 left over from a store card debt, which to be honest I thought I had paid, but on checking hadn't. Anyway, it seems I received a CCJ, but I have…
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Barclaycard paid off!
I've done it! I've paid off one of my debts - the one with the biggest interest! Two more to go, interest frozen. I can't even begin to tell you how much better that feels!
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Sell and Rent Back home from companies
Does anyone have any knowledge of the type of companies who buy homes to rent back to current owner. My neighbour and her husband are splitting up and she doesnt want to move at least for now, because of needing stability for the kids. They have a ton of debt. She was going to approach the housing association who own many…
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Thinking Seriously About Bankruptcy
Hi everyone, I only joined yesterday and I have learned a lot alright. I am emigrating very soon and I have a credit card debt of around £10000 to the Co-op bank that I know that I will cannot pay off in time. With my salary it will take me well over a couple of years to repay this amount. I have already missed a payment…
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Asset Link Help!
Got a letter today from asset link - as payplan are closed at the mo, thought I would see if any of you have had any experience of this? I am on a DMP with payplan, all of my creditors (except asset link and MBNA) have accepted the reduced payments and have stopped interest etc. Asset Link wrote today... 'As you have…
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CapQuest...
Hi. I searched google for Capquest and complaint and I got some info from this site that was very helpful. CapQuest was harrasing me for a debt. They were phoning me up and saying I couldnt make a payment plan, that I was going to be sued, I was going to prison, and that I had to pay the full amount immediately, with…
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Advert in today's paper
I saw an advert in the paper today with the heading "Do you wish to supplement your income?" Moorcroft - one of the UK's leading Debt Recovery Companies require collectors to make regular cash collections in and around your area on a self employed basis. Remuneration is by way of a good commission rate payable weekly. I…
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Some Sound Advice
I often follow what crops on digg.com and I've started to see a lot more personal finance stories appearing. This one was featured on the frontpage this evening, and I think it's a great summation of some of the principles of money saving and if you can see past some of the American specifics it's sound personal finance in…
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website tellign you the order in which to pay debts?
I remember finding a site about the order in which to pay off your debts to minimise interest etc. but I lost all my favourites a few weeks ago and can't find it again. Can anyone help? Thanks
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Question about bankruptsy
If you are declared bankrupt will the OR take your pension?:confused:
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this is me
hi wanting, well needing, to shave some money off my outgoings to convert into money to pay off some debts beofre they start mounting up. i have been in this position before, thinsg got our of hand and we extended our mortgage to cover the debt. dont want to do that again. debts at mo arent horrendous but accounts are…
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What can bailiffs legally do?
Hi, I hope this is in the correct forum. Please advice if not. I'm confused today. Here's my story. I have over £8000 debt through 4 credit cards. One that is causing me a problem more than the others at the moment is a HSBC current account debt (£3,350). I'm unemployed and don't receive social benefit. I'm currently…
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Which one will earn me money, Quidco or Pigsback?...
I don't make any major purchases and am not intending to either. I don't want to get any credit cards or open bank accounts (wouldn't be able to now if I tried):o Can I still make any money from either of these sites? What are the best ways of making money that don't involve me spending any of my own?:confused: If so I can…
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MBNA Platinum plus
Hello all. Is anyone else being bombarded via emails & flyers for this new MBNA card? It seems that since most of my defaults are now beginning to drop off my credit file, I'm now being targeted even though the defaulted accounts still have some years to run. I finally paid MBNA off completely about 3 months ago so I…
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direct legal and collections
Hi, can anyone shed any light on this? I've come home to a letter from the above telling me they are collecting a debt from FCE bank for £523.67. Who are they, and who are FCE bank??!! Not a clue! Thanks in advance :o
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Buy Back Debt
I have recently discovered my teenage daughter has run up debts around £9,000. I have managed to get her talking to me about the problem and she has agreed to let he help her in managing the debt. Fotunately all the debt is with one bank in the form of overdrafts, loans and credit cards. I have spoken with the bank and…
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MSE community
i just can't believe how big this site is becoming. Every day there seems to be more and more people appearing asking for help with their debts. The stories are all so familiar - there must be so many more people in the country that are in similar situations and not knowing / able to manage their finances. I feel like part…
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Personal spending money
My husband and I are going to give ourselves a set amount each for clothes, nights out, cigarettes, haircuts, lunches etc. I feel we are both spending too much on "stuff" and this needs to be cut down. I just wondered how much you think is reasonable per month for personal spend "on what you like" money? I don’t want to…
