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Debt Management or not?
I'm trying to get rid of £17500 of unsecured debt which I can service with a struggle. Most of my borrowings are at high rates because I have an old loan default on my credit file that will (finally) fall off my report in January 2008. Other than the default and a couple of late payments for cards over the last 2 months,…
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Do DCA's keep their word?
Hi all, My ex-hubby has just been in contact with me as we are still good friends. He had a £1200 argos card bill that whilst going through dificulties a few months ago got into arrears with. To cut a long story short Argos passed this debt onto a debt collecting firm called Fenton Cooper, who sent loads of letters, all…
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Sneak Preview: The Bank Charges Song Video
Special Forum Preview of the new "I fought the Lloyds" video and song going on pre-release later this evening. Watch the video and pls buy the track to help it get to number 1 http://forums.moneysavingexpert.com/showthread.html?p=6877831#post6877831 Martin
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Thames Credit - Statute barred response
Sorry about the long post, but i would appreciate any advice I sent Thames Credit a statute barred letter last week to which they have responded "Your reference to the statute of limitations is not relevant, We do of course fully understand Statute but it is very often misinterpreted by debtors and there advisors. We have…
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Geetee's thread
Geetee wrote this on another thread.
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Linking to CCCS etc in sigs: How to go about it
This is connected to the 'be careful when you google cccs' thread, please read that one first! VERY IMPORTANT: DO NOT PLACE LINKS IN YOUR SIGNATURE WITHOUT PERMISSION! THEY WILL BE REMOVED! READ THE INFO BELOW! 1) email the abuse team at [EMAIL="abuse@moneysavingexpert.com"]abuse@moneysavingexpert.com[/EMAIL] and request…
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Everytime we save money .....
.... something goes up: the cost of diesel; of fruit and veg; meat; milk; bread and so on. We've reduced our monthly shop to the barest essentials after nearly a year of honing what we use, looking for good, cheaper alternatives etc. We buy our fresh produce from local butchers, green grocers, dairy etc. We've reduced our…
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Financial arrangements with card companies
I have been on an arrangement with one of my card issuers. However, they recently notified me that this arrangement was coming to an end, and they've just started to re-apply interest and have upped the monthly payment. It's all beginning to look like I'm going back to square one with !!!!!!!s, after making an effort to…
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I knew something was gonna go wrong
Since being on this website, I've done really well, managed to get my outgoings down and start working on reducing my debt, well I knew it was all too good to be true, this week my laptop died, I had someone out last night and they said that due to the age of the laptop and the work that needed done they personally would…
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electoral roll register
I keep getting these letters through to sign up on the register in my local authority borough. The letters say that you can be prosecuted if you dont register. Is that true?
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experian report advice please
ok all, i have been puzzling for the last year over this, not realising that all you experts were here. here is (just one) :D of the entries from the wifes credit report : Company name: Abbey National Bank Account Account Type: Current Special Instruction Indicator: Debt Assigned Special Instruction Start Date: 08/2003…
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SOA as promised
Ok well here it is, my Soa as promised. INCOMING Wages: 275 a week or 1191 a month. Child Benefit: 72 month. Working tax: 22 month. Child tax: 185 month. Total: 1470 month OUTGOING Mortgage: 166 month Endowment: 54.50 month Rent: 150 month ( I live in a part rent part buy house ) Gas: 27 month Electric: 40 month Sky…
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template anyone??
Hi all, Could somebody be so kind as to let me have a copy of the do not contact by phone letter.. Thank you in advance x
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Need to stop spending
I have been registered on this site for a while and I love it but I haven't ever posted anything until now. I have just cut up one store card and one credit card just sitting at my desk at work. A good start I hope. I have lost count of how many times I have paid off my debts and then started them up all over again - a new…
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Banks accounts and IVA
Can anyone tell me a bank account that I can open on an IVA that has a solo card with it? Im with natwest at the moment but have just got a load of charges for no reason so I want to move my account. Any advise appreicated...
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Gregory Pennington
I have a plan with GP as I was advised by a friend who used them to give it a try. However now I'm a bit dubious as to how much they're really helping me out. I pay them £190 a month to distribute amongst my creditors and they take about £25 of this each month for their fees. Creditors: £7000 loan from Halifax 8.7% APR…
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mackenzie hall
mackenzie hall i have a problem with these people, i keep getting letters from them so i looked on this site and decided to send this to them: Dear Madam/sir, In response to your , I need you to clarify the particulars of your claim before I can discuss this matter further. I do not acknowledge any debt to your clients,…
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My Support Network
Hi Guys I hope no one minds me posting this. As some of you will know from my diary I have been diagnosed with Stress and Depression (I don't do things by halves you know) and I feel like you are all part of my support network (thank you SO much) But I am after some tips. The counsellor I saw on Tuesday said that I need to…
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additions taking me to court....help please
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extra money, little help please SOA ADDED
Well as it says in my sig i am not betting anymore and am amazed i have money in my account at this stage of the month and i have bought xmas presents, making me realise how much i used to waste on gambling well the thing is after xmas i should have around £100 extra a month at least to pay towards my debts. am currently…
