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The Regional Money Helpline - what is it?
I noticed the advert in yesterday's Daily Mail for this organisation. Their web site is here: http://regionalmoneyhelpline.co.uk/ or here http://www.trmh.org.uk/ I can't work out what it is. Who's funding it? Is it equivalent to Payplan/CCCS? I may be getting cynical but I spotted the words 'independent', 'impartial' and…
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I don't get it
I don't quite get the matched betting, quidco,mystery shopper etc stuff. I am in debt and low waged so my money runs out in the middle of the month,can't even do the raid the leftovers in the cupboard thing because that is what we live on through two weeks a month.Penny jar gets emptied to buy petrol or put leccy on the…
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Imperial Solutions/Cabot Financial
On 1st July I got a "notice of legal proceedings" from Imperial with an outstanding balance of £4,757.35. When I phoned them I agreed payments of £15 per week (£60 per month- good by anyone's standard) and they told me that I wasn't paying any charges or interest. Therefore by my estimation I must have paid off at least…
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Anyone got a Debt Free Date coming up??
Just wondered if anyone has their Debt Free date coming up and wants to share stories/ excitement? Mine is sort of in January, i.e. all my personal debt will be wiped out because we are moving house and have quite a bit of equity which we are going to use to get rid of any debt other than the mortgage. So it's not quite…
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SOA: pls help if possible
Hi all, We have recently had a light bulb moment provoked by a loss of my wage, which is fast approaching in January (maternity leave expired) :eek: We have been considering selling the house for a smaller place to reduce our massive mortgage, but with loads of advice from MSE we have decided to instead ask for a IO one…
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Long time coming....
Well first post on this forum but I have been browsing over the last few weeks for information and ways I can deal with my debt problems. I have alot of debt but I have been fortunate that I earn more than I owe therefore can manage payments... but I am sick to death of throwing money after money so sat down this evening…
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First time debt facer upper...
Hello! This as you can see is my first post... :eek: Well I must say its been rather a whirlwind over the last few days. I have been a subscriber to this sites email for quite some time to take advantage of the offers but have never dared to face up to my debts. Stupid really I had no idea when things were going to come…
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Legal proceedings
Hi, i've received a letter threatening me with a county court judgement to make deductions through my salary. Does anyone know how long this takes, i have rang them explaining i'm going through payplan but who havent contacted them yet as i have just sent off my signed consent forms but the guy on the phone just kept…
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Debt Letter Scam Warning!
The following is taken from a local newspaper in Lancashire........... A warning has gone out about a telephone debt scam being reported in Lancashire. Letters from a firm claiming to be called DEBT COLLECTION of the CZECH REPUBLIC are being sent to homes telling recipients they owe money and if it is not paid legal action…
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Just Checked My Garlik Report - Now I'm Confused
Its not as bad as I thought Credit score of 792 & a 3* rating but the thing thats got me confused is that it says having no searches on your file in the last 12 months is a bad thing. I thought it would be good?
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Payplan assessment
Have got my paperwork back from payplan and some of my creditors will be expected to accept as little as 28p per month! PP say that I must stick to the realistic budget they have set because this is why I have been getting in a mess (I have never been a big spender,it has been circumstances and hiding my head in the sand…
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MBNA! You'll never believe it!
This morning I got my Virgin CC statement-now, I usually open these with a sinking heart because as I know MOST of us are aware, they are barstewards... HOWEVER, without any prompting on my part, they have taken off all the EXTRA interest, late charges etc that amounted to nearly £700 and I am now officially 'within my…
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Free Christmas Present in Soutampton area
I have some vouchers for a 'free one to one swimming lesson for adult or child, at an exclusive Southampton leisure club, one voucher per family'. I think that if you take along a child for the lesson you get to use the sauna etc (not sure what the etc is though). I have a few (not very many and they arent copyable as all…
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And for their next suggestion ... MBNA
Another phone call with MBNA who won't accept agreement. Cut your outgoings by ...... freezing over winter, getting rid of the phone (great no more phone calls from GVI) and the best yet:mad: :mad: :mad: "get rid of my pets" "Oh no not necessarily put them down - but farm them out to relatives "... please what…
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Nat West- complete lack of trust VERY ANGRY
Am SO angry. Went to ATM this morning as this weeks money should have been in.No money in(DH is a supply teacher at mo-hence weekly pay) Came back, rang wage office(its an "in house" supply office )who agreed that the money had not been paid (didn't seem to think that was in any way a problem) told me to contact school in…
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Credit Report. What now?
My partner has just received her experian credit report and there are a few defaults on there we need to sort out. Once CCJ's are settled what happens? She has two from around three years ago but we have the money available so are in the process of settling. I'm assuming these won't just dissappear once we've paid them…
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Hire purchase repossesion!!
Hope you lovely people out there can help me out on this? A friend of mine bought his car a year ago from some guy, what he didn't realise is that this guy had the car on Hire purchase, and has never paid the company back the money he owes them. They have contacted my friend saying they have put a HPR on the car and he…
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Offering credit card companies nominal fee. What will happen now?
I can't afford to pay my credit cards and loan anymore. I got advice from CCCS and they told me to go bankrupt. They also sent me letters to send out to the companies offering a pound a week. My questions are: How do I pay the nominal fee? I am changing over to a basic bank account that doesn't have a chequebook How long…
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Finally clear....although not a nice way
This time last week, I was in a lot of debt. £10k bank loan (for my car) I was paying off at £250 per month. Still had another 4 years to go. £10k owed to my partner's parents as they loaned me the money to get a house with her. (she's very good with money and already had a deposit). £5k on credit cards and over draft. Two…
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My boyfriend just doesn't get it!
I started seeing a lovely guy about 5 or 6 months ago, he's very sweet and we get on very well - apart from when we discuss money! I'm lucky enough to be earning a good salary, have never been in any debt (apart from a student loan which was cleared 6 months after leaving uni) and am pretty good at managing my money. He on…
