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Facing facts...
I've read a few of the threads on this board and have finally taken the first step by registering and the second step by posting Like most people who get into debt, I have no idea how the money I owed became so large - except for the very common reason - I was ignoring it because I was too busy digging... I have managed to…
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Deceased Debts
Hi all, Not sure if this is the right forum or not. My question is do the deceased debts die with them. My grandad bought a sofa on credit and had about £300.00 left when he passed now the company is hassleing my mother for this money. A punctual response would be most appreciated. thanks
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Want to pay but we're not getting a response
We’ve had a problem with our current account (the thread’s on the Banking & Current Accounts board, if you get really bored one day) but, in a nutshell, we now live in Central Africa, and our bank stopped paying our 3 direct debits in January 2007. We’ve managed to contact 2 of the dd recipients and these are now back on…
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Article discussion. Debt problems: Where to start and what to do.
This thread relates to the updated Debt Problems Guide & Video Guide To discuss or ask a question about this article click reply. IMPORTANT NOTE: Please note this thread is not for posting detailed questions about your own debt issues as your question may get missed. If that's what you want to do please read the other…
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Personal Bankruptcy ...
My wife and I have finally decided to declare ourselves bankrupt after five years of debt and illness. We are ready, almost to visit the County Court and Official Receiver but have been stopped by 'Money Saving Expert' as we are hoping to reclaim thousands of pounds from our two banks due to incurred excessive charges over…
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advice about hsbc flexiloan
Hi everyone I'm a newbie trying sort out mine and my partners finances (oh joy!) i wanted a bit of advice about my hsbc flexiloan, its £3500 and i never seem to be actually paying it back-always taking the money back out again tut tut! so i was thinking about getting a 'normal' loan out to pay it back. I'm only 20 (21 in…
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snaggles
just noticed snaggles has not been on since last night ....ooohhhh should we get excited and send labour vibes or does someone know of a reason this may be so ...remember the head is engaged ....
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I do not believe my luck sometimes...
just called my mortgage company to confirm a few details surroundng my default last year (I know - the very worst kind of default can thnk of and I let it happen to me :( ) Lovely lovely lady on the other end of the phone, without me even having to ask pipes up "we'd lke to remove the default as a sign of goodwill" ( did…
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Scary email from paypal
Im in the process of switching bank accounts from natwest to lloydstsb, and lloyds are switching my DDs, but i have told them not to close the account as i will still have a small amount owning on the account, which should be paid off shortly. Paypal have just sent me an email saying that their bank mandate was returned…
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How long can they chase you ?
For someone who handed keys back for a property to the mortgage company, they sold the property at a loss at auction, how long can they chase the mortgaee for the difference ? Is there a time limit ? Is there any legislation on this ?
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So depressed about my debt (VERY long)
Sorry to come on here moaning but I really do feel like crying and I don't feel as though anyone I know could possibly understand how I feel. Here's my problem. I'm 26 years old (soon to be 27) have been in debt ever since being given an overdraft when I opened up my student account at the age of 18. Started quite small,…
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CCJ and N245 variation of order
Hi Has anyone apply for a variation of an order using form N245. Which court do I sent it to? the original claimants court (Northampton) or my local one? thanks for help ona
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Updated SoA
Hi Guy's. I thought I would pop my updated SoA on here to see if anyone can come up with and more ideas: Incoming: £1,044.58 per month. Outgoings: Rent: £207.50 (this includes food, council tax, services etc. Parents are wonderful people!) Loan 1: £242.82 (APR 7.8% and runs until Sept 2010) Loan 2: £101.85 (APR 16.9% and…
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Ok so now what?Lost!
Slowly it has been dawning on me that we need to really sort our spending and debts out.I'm shocked at the amount of money we spend on things we don't need and by the amount of debt we have :o I just can't seem to get my head straight.How do we get out of our OD zone,pay off the stupid amounts on credit cards. I'm just so…
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paying loans after becoming disabled
hi people, wondered if u have any help for me as im in a bit of a problem, i injured my back about 2 years ago lifting and havent been able to work since and cant see me doing in the near future. i was 22 when i did this and have had no trouble with my back before this injury, about 6 months before this injury i got a loan…
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New Bank Account - overdraft given!!!
OK, i have defaults on my credit report, but applied for a parachute account with Cahoot, in order to just be backup if HSBC close my account after i try to claim my charges back well they have given me a £500 overdraft and didnt question my application, even though loads of other banks wouldnt accept me i just got given…
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where to begin - catalogues
i have about 13 catalogues and used to let them stay at just £10 month payments but went mad and now i cant handle the repayments - i have took the first step by writing and explaining and asking to go on reduced payments but only 3 have agreed - the others say they wont.... what do i do next please as they have begun…
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My Situation Updated
My latest update: I cancelled my DMP with CCCS and am now managing it myself. Creditors have responded as follows: Lloyds TSB - Owed them £19k - they put this into a consolidation Loan at only 7.7%APR with the exact pymt of £249 pm I was due to pay them under the DMP. I took this to protect my credit rating with them as my…
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Mobile Phone on your SOA
Having read a few SOA's over the past few weeks on here, I notice they nearly always include Mobile Phone costs. People often say "this can be cut down". I was just thinking, do we really NEED them at all? A mate of mine has never had one, doesnt want one and never will. He copes ok. What do you all think? How daft are we…
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Letters Sent To Me
Hello everyone, I need some help on locating a letter to say I dont acknolodge (sp?) a debt. On the 06th Sept 2005 i had a letter from a comany called 1St Credit to say i owed them £341.06 for a Tescos Visa card. Ive never had one, so called them to say it wasnt mine. I had a letter back from them to say I have raised a…
