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Just a little note .....
Hi Just a little note to let you all know how things are going. A few weeks ago I was very very very low. Everything was going wrong and every day it felt like things were going from bad to worse. That bad weather finally finished off our roof and the insurance refused to help at all so we've had to get a loan for it (at…
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Asking fellow DFW's for advice
Hi guys I asked this in the reclaiming bank charges thread, but have had no reply, so I'm going to ask the lovely people I've spoken to on here instead. When you are writing the first letter to reclaim bank/credit card charges, is the address you send it to your local branch, head office or the branch the account is held…
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barclaycard!!
hello, i am in the process of sorting out my own dmp, most of the credit cards so far have accepted my offer of 5.00 token payment barclaycard just rang me to say they will not accept and want 300.00!!! now, or will pass the debt on to a company i think are called mercer?? within 24 hours. has anyone else had problems with…
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One monkey off my back!!
I paid off my Capital One credit card recently... got my statement today to say that I'm actually a few pounds in credit (overpaid them, just in case any more mysterious interest charges appeared) What a wonderful feeling !!! I've been trying to clear this card for ages and was sick of the high interest charges I was…
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IVA annual review - SOA - What do you think?
I posted on here last week - that a year into IVA i'm struggling to make ends meet. Its 16 sleeps til payday, and this month, after the direct debits have gone, i've got £3.53 left!!! This morning i received a form from my IVA supplier, asking for current income/expenditure details. I've filled it in, as below; Wage 516.55…
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Getting my head above water
I'm wondering if any of you can help me. I'm not quite brave enough to put my SOA on just at the minute - I'm just coming to terms with things myself :o I've written it down though and basically my outgoings pretty much equal my incomings (i work part time and don't earn much, DH pays mortgage and electricity and I pay the…
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177%APR???? Seriously????
Right, I'm slowly but surely dragging myself out of the big debt hole I, myself dug a few years ago. Now two of the credit cards I have, both issued by RBOS want me to pay in full (they put a default on the card a while ago so havent been making any money from me on interest or charges). Tesco credit card will accept 2200…
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Was anyone else this confused?
I have just received my pack from Payplan, and boy am i confused!! There is so much stuff to go through, and so much paperwork to find, i don't know where to start, and a lot of the figures that where given over the phone are incorrect. Has anyone else had this same problem with their Payplan packs, and if so, how did you…
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HSBC - Elitist Banking
I have just seen that HSBC is to open a bank, in an area of Dorset where houses sell for £8m+, and face-to-face banking will ONLY be given to the wealthiest of their clients. :mad: :mad: So much for Financial Inclusion.:rolleyes:
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Desperate for help - reducing outgoings
Hi everyone I'm really desperate for some advice, since splitting up with my partner last august I have been struggling with my outgoings and debt repayments. While the amount of debt I have is not really a huge amount,(currently about 6.5K) the repayments are almost killing me! It feels like I'm paying off hundreds a…
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Default on CC payment affecting Bank Account
My situation is that I am unfortunately in a position where I will no longer be able to make my CC payments. I understand that this will probably result in a CCJ against me issued by my credit card company - Barclaycard. Given that I also bank with Barclays, will my default on my CC payments adversely affect my bank…
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need some advice
can someone please help as i dont know what to do about the matter. back in 2003 my wife and myself ordered a sofa suite from littlewoods catalogue, shortly after i cancelled the order as i was no longer living with my wife, a year later i recieved a payment slip asking for my first payment for the sofa's when i called…
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help with debt collectors
HELP!! have just had yet another phonecall from buchanan clark and wells asking to speak to my son. understand they cannot give me any details because of data protection. asked them to put problem in writing to my son but they said they had several times & got no response. i know this is a lie as i take in all mail & have…
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I am really proud of me!
I had my lightbulb moment just before Christmas (:eek: ) and knew it was time to get something sorted! I sat down and went through my banks statements and made a list of all my monthly outgoings/direct debits etc. I then decided to try and get some monthly payments lowered. I claimed bank charges back on my current account…
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Wescott being nice!
Hi I had a call from Wescott this morning, I know my agreement is coming to the end but a nice lady called to tell me that I should cancel my standing order and I have a reduced amount to pay to clear the final balance next month. I was quite surprised but pleased its soon to be done with thats £250 to go into an ISA from…
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Cca 1974
Does anyone know what the situation is where a credit agreemnent has been signed but not dated. Also if a company has charged more then they should (only 20p) are there any guidlined for this as well. Thanks
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New-ish and looking for similar support
Hi, i'm fairly new to this board and i've spent a lot of time reading everyone's diarys and long posts and i've got to say i'm very impressed! my debt is nothing like what many people have got, or had and managed to get rid of. It really is amazing. But. Ive been using these threads in the wrong way. I've been looking at…
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what next!!!
ive just recived a court date regarding my mortgage :eek: it all started when i was a victim of internet fraud . £555 was taken out of my account in nov 2006 . that was thankfully payd back by the the bank and the paper work was sent back imediatley. things were fine . Then mid jan i went to a cash machine and it said that…
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Life coming to an end! HELP!!!
Hey guys.......Around 1 & 1/2 years ago, my girlfriend of 5 years at the time announced she was leaving for Australia and a big reason for it was because of the debt I had. Low point in my life, but when she left I made the choice to sort myself and and went into an IVA, which I started paying into in Sept 2005. After only…
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Don't know if anyone will reply, but it's worth a try!
Hi guys. I'm new and have only posted a few times so far. Feel a bit outsider-ish as everyone seems to know one another! I just have a question - not sure if this is the right place for it, but it's to help reduce my monthly spending so...here goes. Which is the best place to get your toiletries (shower gel, shampoo, kids…
