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Threatening Solicitors letters
First of all I want to say I do not live in the U.K and I have not done so for 4 years. I have loan with Yorkshire bank which I stopped making payments around 6 months ago as I was not able to pay anything as I only had enough to survive on. I tried contacting them numerous times by phone but was passed from one department…
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Yay!
Just wanted to have a little thread of happiness if I may. As some of you know, my moped was recently stolen and subsequently it reappeared in a rather worse for wear state and was eventually written off. The settlement cheque should be here tomorrow *fingers crossed*. Anyway, I just got paid as well, so im calling the…
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In at the deep end, please help!!!
It all started when I hit 18 and only me to worry about. I took out a £5000 loan to buy a new car which was followed by overdrafts, credit cards and store cards. After charges etc the debt now amounts to somewhere in the region of £15000 to £20000. I also believe I have had a CCJ registered against me, I sent the first…
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DMP - how long
Hi,just wondering how long it is before anything gets going with a DMP. I sent the signed papers back to CCCS a month ago and have not heard anything since :eek: Also, what happens now the papers have been sent back? What is the general order?
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joint account - chasing me!!!!!!!!!
a friend of mine was married and divorced to a pardon me...creep! they had joint bank acc, which she thought was clear, he cleared off to dubai with a younger girlfriend half his age! and now yrs later theyre chasing her for £8000, she said it was actually his debt it wasnt her debt. because hes in another country theyre…
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how do i find out who I owe money to?
Hi everyone, I expect the info i want is on this site somewhere so sorry in advance for asking for it to be repeated :o I read on a thread this morning cant remember which one now, sorry) that you can look up who you owe money to if you no longer have any paperwork for them? how do i do this please? sammy xx
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Full and Final Settlement Question
Have had great success helping a friend with her debt management. Got some DCAs to accept about 60% of amount she owes on final settlement. :j However one, DLC (Brackley) has written "Our client reserves the right to pursue any other borrowers for the remaining balance". :confused: Does anyone know what this means exactly?…
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Be careful when you google cccs
I just googled cccs, and at the top of the list (sponsored Link) was a website for [SIZE=-1]www.c-c-c-s.com where the cccs stands for [/SIZE][SIZE=-1]Credit Card Consolidation Services. How devious of them. Make sure you refer to the correct www.cccs.co.uk [/SIZE]
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Council tax non payment court case - how likely is prison?!
I havent posted on dfw for a while so apologises but didnt know where to turn to for some info. Basically my partner has been a total *insert appropriate expletive* and has dropped it on me that he hasnt been paying his council tax... AGAIN. This time last year i negotiated a repayment plan for him for his outstanding…
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where can i get a printed copy of my credit report
hi im looking for somewhere to buy a one off copy of my credit report ive done the 30 free trial with experian but that was a while ago but i just want one detailed copy
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SKY TV - better deal or get rid?!?!?!
Over the year I have had a complete sort out of bills and am saving money on virtually everything possible now. However, I havent yet addressed my Sky TV and I am convinced its a rip off. I have all 6 basic mixes but no movies nor sports and its costing me £23 per month. I wanted to get rid and just have freeview but H…
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A little irony.....
for anyone who didn't see the sneaky thread posted last week, check out Martin's blog..... and get voting! http://blog.moneysavingexpert.com/2007/11/19/delicious-irony-getting-a-%e2%80%98great-briton-award%e2%80%99-from-a-bank/ Sarah x
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Debt Collection Agency Advice
Wee bit of a story! Would like some help and advice. Got a bill in from Scottish Gas couple of months ago - £66 gas charges. It was addressed correctly to my flat but with occupier on it. af I get elec and gas from Scottish POwer and my landlord had an agreement with Scottish Gas for homecare services. Called them up and…
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Am I going to be arrested?
Please can someone give me some advice... I have spent some time over on the buying, selling, renting foum. I have asked for some advice on buying a house. I am now sat here in floods of tears worried that my door is going to be kicked down and I'm going to be arrested. One post called me a fraud, advising other users to…
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Credit Score and being debt free!!
Evening All, First time I've started a thread on here, just tend to lurke really :o . Anyway, hubby and I have had our LBM and it's frightening!!! I have followed through all the advice given on martin's article and switched/saved where possible. I'm trying to now get the credit card 'arrangements' sorted. I have reviewed…
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Newbie DFW - Hello!!
Hi All :hello: I've been lurking on here for a couple of weeks and thought it was about time to face up to my debt. I have debts totalling about £13,000 and I want to clear them asap. I've set a target of clearing at least £5k by December 2008. Debts are HSBC Loan (APR 7.4%) at £7,900 (Including the interest) at £149 per…
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Breach of security - HM Revenue
Just a warning to people to keep an eye on bank accounts.. it is on the news this evening that HM Revenue and Customs have lost the personal details of 25 million customers who are in receipt of child benefit. It seems a disc was sent in the post which has gone astray. The information, if falls into wrong hands could put…
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Promotion on MSE forum!
I can't find in the FAQ's details of how you move "through the ranks" i.e I have just noticed I am jumped from a convert to a stalwart! MoneySaving Stalwart Join Date: Aug 2007 Post Count: 222 Thanked 110 Times in 79 Posts Does it depend on timescale, number of posts or thank yous? It is more exciting than getting my…
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New DFW signing in.
Hi all, I had my lightbulb moment last month. I'm now on a crusade to get debt free (in about 2014 eek! :eek:) Thank god for this site, Martin and all you forumites. I WILL succeed. Just thought I'd say hi to you all and introduce myself! :beer:
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A bit of a moan really....
Following on from my maths help thread from a little while ago I'd just like to convey how fed up I am dealing with my debts! I also feel quite stupid. I've been doing my second job for OVER a year now and instead of doing the sensible thing and putting the extra money away to try pay things off early like this damn loan…
