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Lightbulb moment!!!!!!
At last!!!!!!! I have spoke to Payplan and I am getting all the debt sorted. I can't believe we have got into such a mess with everything!!!! £30,000 in debt. My OH has been saying we will be ok in a couple of months cos he has some compensation to come but I know that its never going to be ok if we don't start now!!! I am…
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An IVA Loophole?
I was watching an advert today for an IVA and I just starting thinking. Here me out and before anyone condemns me, it's my idle mind wandering!!! :o Say you had a mortgage for £XX000 over 25yrs fully flexible. You have no debts to speak of but moseying along. What's to stop you taking out £XXK of unsecured loans and using…
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Joining the library--is it free?
Hi I have decided that instead of buying books and reading them once I will join the local library(dont know why I havent bothered before!). I have tried ringing them tonight but there is no reply---does anyone know if you are charged a fee to join? also what ID will I need to take with me to join? Thanks x
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Thanks mate
A bloke at work covered a mistake of mine that coulda got me in big trouble. Obviously I have expressed my grattitude but thought it'd be a nice gesture to get him something. Any idea what?
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Help with bank charges
Just worked out that if i claim the bank charges back from one of my creditors i will be £200 in credit. the thing is im in a debt management program and they have stopped me having access to the account. my main question is will i be able to actually withdraw this money to help pay off other debts, persuming that they…
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Vulture Creditors
Not my field this one. I have a friend who is in debt to the tune of £70,000 a wishes to avoid bankruptcy. They are self employed in a new business so an IVA is difficult at the moment becasue of needing to prove income. They have successfully negotiated, with the help of the CAB, payments to all companies except GE…
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Help needed dealing with Debt Recovery Agents
Hi everyone, does anyone have any information on how to deal with Debt Recovery Agents?? I owe a small amount to a mobile phone company who have passed it onto to a DRA but at the moment I can't afford to pay it. Iv'e heard of people offering silly amounts such as £1 per week and getting away with this, is this possible?…
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Update
hi all, sorry i havent been around for a while. the new business is taking up all my time and is going really well. just wanted to say i had some good news today, after all the panicing about the changeover from income support to tax credits....they managed to outdo themselves and get my claim sorted and money in the bank…
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Cut out and keep
As many of our CC companies are shy at telling us the APR on their cards, here's a little table you should stick on the fridge for the kids to learn: Credit Card Rates Monthly% APR% 1 12.68 1.1 14.02 1.2 15.38 1.3 16.76 1.4 18.15 1.5 19.56 1.6 20.98 1.7 22.42 1.8 23.87 1.9 25.34 2 26.82 2.1 28.32 2.2 29.84 2.3 31.37 2.4…
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IVAs
Hello I have a large un-secured debt of approx 83K. I have contacted my trade union debt helpline & they have arranged for someone from Payplan to contact me. As far as i am aware because of my job i cannot go bankrupt. Also i do not want to go bankrupt as i do want to pay something back. My intial reaction is to apply for…
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free portable DVD player!!!
Just got a new phone and contract from O2...and got a free portable DVD player worth £120:T That's my dd"s xmas present sorted for nothing WOOHOO!!!! Has this offer been mentioned here before? Maybe i hadn't noticed it. I was also offered activity vouchers for stuff like whitewater rafting for two, aromatherapy massage for…
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Do I save for fees or clear 3k debt?
good afternoon everyone, hope your all well! after a bit of advice really! wasnt sure which of the threads to put it under so apologies if its wrong!:o BASICALLY i have a cc which has 3k on it. i want to buy my own place with other half in january. we need 4k for fees etc as were getting a 100 per cent mortgage. we already…
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trying to loose weight? free trial.
This is kinda saving money, any1 looking to loose weight-you can get a free 3 day trial with weightlossresources.co.uk. i know it's not very long-but you just have to register-you DON'T need to enter any credit/debit card details and you are told; your body mass index your target weight how many calories you are allowed…
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The Money Diet
Do any of you DFW'ers have this book of Martin's? I'm looking to buy it, but in true DFW style I want to make sure it's worth spending the money! What does it include that I won't find on this website?
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bank charges
I've been abit laxed and after sending my first letter stating how much I'd be recharging and giving them 14 days, my personal life got abit hectic and 26 days have lapsed! I didn't send the letter recorded delivery, should I resend the letter recorded delivery or send the 2nd letter! problem being I go away next thursday…
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University charges
Don't know if this is correct place, but if not would appreciate if someone could point me in right direction. My daughter is in 4th year of University - her third year was spent abroad. Anyway, she went to register yesterday, and was told that she could not register. Apparently, she should have paid a partial fee for year…
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CCJ / Store Card help
Hi A friend of my wife split up with her partner a few months ago. They still co-own the house whilst it's being sold and he still lives there, she moved out back in June. He's just called her to say that she's had a CCJ from Next for non-payment. Okay, it's partly her fault for not getting her details updated, but is…
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What is your Credit Score
Hi I was just wondering really - being nosey :O) mine is 645 - poor lol I thought that wasn't bad on a scale of 0-1000 I saw my credit report today and it is looking well only 2 late payments showing on it now, can't wait to be back on fair Nat xxx
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bank/debit card help
right since19/6/06 i have downloaded and payed for £17.47 of music but the company has taken £23.40 out of my bank :o why? thats a £5.93 difference? i cant seem to be able to email them and ask and in there terms and conditions it has nothing, they arnt international (as far as i know) so how can they take the extra?…
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query regarding 6 year statute barred
ok so fm reading various posts, i understand that if you have rcvd no correspondance fm anyone regarding the debt on your credit history after 6 years, then you can request the debt be removed fm your history. however, what happens if your credit history shows that the company has been regularly searching your file to see…
