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Debt is more than 6 years old
can a company demand payment if debt is more than 6 years old?
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Should I close unused accounts?
Hi there I have three storecard accounts (Dorothy Perkins, TopShop and Monsoon), all of which I opened to take advantage of money off incentives, and have never used. I'm never likely to use them, have never been the least bit tempted. Should I phone up and formally close the accounts, or just leave it. I don't get…
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New and in a mess!
I am 24 and my partner 20 , we have 2 children and have got ourselves into a mess with debt. We have 2 credit cards: MBNA £2500 EGG £2500 I lost my job and was out of work for a month and this has got us seriosuly behing with all bills - the following is the outstanding of what we owe. We have got a couple of months behind…
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In deep but fighting back!!!!!
Hi there I have faced up to my debt and have made some life-changing decisions since joining this forum and looking at things realistically. For the past 2 years I have been struggling financially. It all started when I moved to this house and it needed so much work doing (which I didn't realise at the time I bought it!!).…
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How to find time and stay focused to be df
Hi, Just wanted to pose the questions as to how do you find the time to stay focused on being df and give time to others on MSE along with all the other day to day issues and chores that need doing?
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i need help and options!! MY SOA ADDED
hi, i have been reading this board for a while now but have never had the balls to stand up and speak before. basically my money has run out and im now struggling with my debts. im 24, a home owner and in a good secure job thas is good pay for my age. I have had problems with debt in the past when i was 19 but with help…
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Full and Final Settlements
I'm sorry if this has already been asked but; Does anyone have any good advice regarding Full and Final Settlements. I'm not in a postion to offer any at the moment but am on a mission to save as much as possible in the next 6 months so I may be in a position to do so. Has anyone had any experience on having F&FS accepted…
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Electric meter
We have bought a house that was previously tenanted.It has a key meter and I am pretty convinced that it is not dfw!How easy would it be to go over to quarterly billing?
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No home phone - who has done it?
Reading all of these threads, many people say that phone bills are too high. I appreciate that this generally relates to Mobile Phones but my mobile is a work phone and as long as I pay for 'personal' calls and texts, that's ok. My point is that I RARELY use my house phone and pay about £20 a month for that - mainly line…
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Property Charge - Help needed !!
I'm not sure if anyone can give any advice on the following but anything is appreciated. My father had a charge of £12000 placed on to our family home due in 1994 to failing to repay a loan. My mum signed the papers to allow the charge to be placed but neither have received any other correspondance. My parents separated…
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Update from anniestar
Just wanted to update all you lovely people that have been sending me good wishes and love. Firstly thank you. The hospital went as well as these things ever do, was there for ages and seemed to "do" the whole of hte hospital. Got everything done and (the best bit of the day) manage dto avoid being admitted(which is what…
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Such a long hard slog part 2
Hi all Sorry it's taken so long to give you my SOA. I've started this as a separate thread. Debt £60,000 - all credit cards and loans Income per month 1st income: 2444 net 2nd income: 1500 net Maintenance: 1000 net (linked to inflation) child benefit: 70 Total net income: £5000 Value of house: £350,000, mortgage £250,000…
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Do I now have a CCJ????
Hi there, I hope somebody out there can answer my question! I have today received a claim form from Nothampton CC regarding an outstanding bill to Anglian Water. I do not dispute the bill and I should NEVER have let it go this far - I had budgeted to pay in full at the end of the month anyway therefore I am able to settle…
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Credit Card -offer Of Final Payment Offers? Any1 Help?
hi I have trawled around but have not seen anything here meeting my queries... I have a considerable amount of debt...It is like an iron chain around my neck. I am fortunate enough to have inherited a considerable amount of money (approx 20K) I am wondering if anyone has tried to do final payment offers to Credit Card…
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OH in deep do do but just doesn't GET IT!
I've posted on here previously about my OH who has about £10k worth of debt and couldn't cope with the repayments because he is earning virtually nothing at the moment due to a change of career path - this should ease next year when he gets his qualification but here is the history; My OH is 32 and used to be a builder, he…
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Some positive DMP news!!!
Spoke to Payplan who explained that everyone had agreed (including Halifax) except for MBNA who had declined & after hearing how awful they can be I wasn't surprised & was prepared for a long battle with them. Got a letter from MBNA to say that they were temporarily suppressing fees, interest and charges but were NOT going…
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irresponsible lending
The lender's are all up in arms about IVA's and people claiming bank charges back at the moment, so you would think that they would have at least started to get the message that it's time they started being a bit more careful how they lent money to people, right? Last month I phoned the Halifax to tell them that I was…
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Nearly There!!
Hello everyone, Just a bit of help needed, I first sent my Orignal letter to The Halifax on the 2nd October for my staments for the last 6 years, I then recieved a reply on the 7th Oct first offer of £700.00. I sent off politly refusing on the 11th oct, and recieved a reply on the 18th saying no we are not going to give…
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Just an aggggggggggggggggghhhhh sort of day!
Why do all the bills come at once? - £75 payment for a course i'm doing (this is the last two payments and it didn't seem worth setting up a direct debit for two months) - £70 for a course next January needs to be paid in full. - £80 for a first aid course. - £70 professional fees. I had budgeted for all these but i'm…
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Feeling Stupid and very low :(
Hi everyone I'm new on here, although been visiting the site for a while now and getting lots of money saving tips. Me & my husband currently have unsecured debt of £30952 from cards & loans. All cards were cut up a few months back which felt great. We've spoken to CCCS and have had an appointment and are in process of…
