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Need advice on what to do!!
Hi there I have just found this forum and thought somebody may be able to help me. This last year has been terrible for me. Through illness and a bad luck with my business I find myself in financial difficulty. I have never had money problems before so this is something really new to me and I am sick with worry. In a bid…
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IVA question
Hi, i'm nearly about to start an IVA, as i think thats probably the best route for me to go, however i was going to claim my bank charges back but i'm not sure how this will affect the IVA when the banks are voting. I thought about waiting till they have agreed the IVA then claim for the amount back even though it will go…
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A Great Way to Save Money at Christmas!
I heard about this whilst I was in the USA last year. The lady I was talking to had a large family - some 14 of them in total. Somewhere around September they all get together and put their names into a hat. Each family member takes a name at random. Then you buy ONE present for that person, at a prearranged amount of…
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Update on me
Hi everyone. I havent been on here for ages as my life seems to be sorting itself out. I still have big debts , but thsi christmas will be a first for me. It will be a first for 15 years with no credit card It will be a first when I will actually have money budgetted for prsents. It will be a first when I actually come…
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I dont understand this info on my credit report
This is the problem seriously affecting my credit file: Account holder name: Account holder DOB: Company Type: Debt Collector Account Type: Bank Default Last Update: 11/09/2006 Start Date: Start Balance: £0.00 Current Balance: Account closed on 27/02/2002 with an outstanding balance of £1,444.00 Credit Limit: Not…
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Is the 88million rollover too tempting?
Has anyone caved in and bought a ticket or 2??? Just caved in and bought 6 jointly with OH, we still have £5.50 each left from our weekly allowances
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Bank charge offer - should I take it?
I got an offer for repayment of bank charges from the Yorkshire Bank. I claimed for £4770.00 plus costs plus inteest of almost another £4000. I got to the stage where I claimed through the small claims court and was waiting for a defence to be filed. Got a letter today offereing £4664 plus costs. Should I accept and be…
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Negotiating with creditors
Through my own stupidity I owe £100,000 in unsecured debts. I do have enough equity in my home to cover this and my current mortgage lender will lend me the additional amount - but the monthy payments will be sky high. I know I could move to a smaller house but I want to avoid this as this would be penalising my family for…
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Asking for debt reductions?
I posted the other day about one of my creditors offering me a 50% reduction on my debt if I paid it within 7 days... I did by the way, it was too good an offer to turn down, just need to pay off my extra overdraft which shouldn't take long. Anyway a couple of people have suggested I call my other creditors telling them…
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Littlewoods catalogue!!!
Hope someone can help! I have a Littlewoods catalogue and was making the regular payments on the balance. There was a mistake made by Littlewoods where they thought i had made 2 payments when i had only made 1. This made my next monthly payment jusmp from £9 to £70! At the time i didnt have that and asked what i could do,…
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Insolvencies at new record high
Don't know if anyone has seen it, but have a look at the following article. http://news.bbc.co.uk/1/hi/business/6110722.stm They predict it will keep on rising....
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Letter to offer payment?
Hi can anyone direct me towards the template letter of offering payment to creditors and what you have to include? i cant find anywhere! thanks x
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Bank charges
Just wondered what sort of amounts people are claiming back? I'm thinking about trying to claim back an £72 overdraft charge. This is quite a lot of money to me, and would buy me a month's worth of food if I got it back. On the other hand, in the grand scheme of things, it's a tiny amount of money compared to the £25,000…
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Should I surrender Endowment Policy to Pay Inland Revenue???
Hi, I am new to this forum but have been reading the newsletter for over 12 months now. I have recently been trying to get to grips with my finances because I am fed up of being in debt due to poor management. I have recently received a large tax bill from the Inland Revenue for £5500, although I pay PAYE tax and I am not…
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Lost the will to scrimp!
This week I got first pay from permanent job.The travel is not too bad (all by train), people are nice (so far) and it seems interesting, so all calm. BUT I have... Mail ordered a new rain coat ('for smart meetings' -at least through pigsback so will get a free pizza out of it..) Taken a monthly phone contract @ £25 (was…
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Can someone help me please?
Hi to you all. Need some advice on how to get out of debt as quickly and painlessly as possibly. Credit cards (3) in total MBNA, Sainsburys Bank and Barclaycard. The last two were only taken out because of BT offers. Also have a £5,000 overdraft which I live on. Need to raise at least £20,000. Is it best to take out a…
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Entries on Credit Reports
I was recently turned down for an increase in my credit card limit. Being surprised I requested my credit reports and was shocked to see so many entries. A few months back - I was looking for wardrobes and in order to access the catalogue websites I've had to give my details to open accounts but I did not order anything…
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my new soa
+ok ive been asked to do a new soa as i included money as A HOUSHOLD NOT JUST MINE . CHILD BENEFIT £17.45 A WEEK (BEEN TOLD NOT COUNTED IN BANKRUPTCY) DLA (MINE ) £43.45 A WEEK (BEEN TOLD NOT COUNTED IN BANKRUPTCY) DLA (SONS)£62.25 A WEEK INCOME SUPPORT £9.45 A WEEK CHILD TAX CREDIT £403.70 A MONTH (BEEN TOLD NOT COUNTED…
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Our SOA, is there anything i can cut back on?
:eek: Ok this is for both of us, im purple, he is red to make it easier to read. INCOME £900 + £20 WTC £340 CTC + £116 CB + 1 SHIFT A WEEK IN A BAR £30 OUTGOINGS RENT £455.00 COUNCIL TAX £85 UTILITIES QUARTERLY £130 bt LANDLINE £25 vIRGIN payg MOBILES £10 TOP UP EACH A MONTH Food shopping £120.00 Internet £18.00 Contact…
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Please help! im 20 and stuck!!!
Well today i received a letter from Wescot credit services about an outstanding amount for the royal bank of scotland. What happened was: I worked for the RBS and when i left i owed holidays therefore had to pay it back. RBS took the money from a supposedly closed account with rbs when my staff account was with Natwest. I…
