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Thames Credit / Activ Kapital
A while ago I posted an enquiry about Activ Kapital buying my debt to Sainsbury's Bank - what should I do etc. Followed the advice and sent the letter citing the Consumer Credit Act 1974. They have written back to say they did not purchase the actual agreement but the outstanding balance and that they have no obligation to…
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Help!! I want to pay off my loan early!
I have a loan of £7,500 with A&L and i pay £160 off every month but soon my boyfriend will be moving in with me freeing up some money and i want to use it to pay of this loan... what is the best way of doing it, a) to save up the money earn interest on it and then try and pay it off b) ring them up and tell them i want to…
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Thames Credit / Activ Kapital
A while ago I posted an enquiry about Activ Kapital buying my debt to Sainsbury's Bank - what should I do etc. Followed the advice and sent the letter citing the Consumer Credit Act 1974. They have written back to say they did not purchase the actual agreement but the outstanding balance and that they have no obligation to…
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BigEars' debt diary - please help v silly person become more sensible
Right, just cos there aren’t enough diaries on here…. I hope some of you lovely people can help me – you’re already motivating me to make money and quit smoking so now if you could sort out my finances too I’d be much obliged! ;) Before I start I better say – all this is my own fault so I don’t expect any sympathy. Also it…
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What is an IVA?
Hi all, My husband and myself have found ourselves in a bit of a financial mess and want to look into all of the ways to get out of it. I have tried to calculate all of the balances and its a whopping £24,000!!!:eek: We are getting to the point where we are falling behind on our repayments and i am worried about money all…
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Debt recovery after 6 years??
Hi all, just looking for advice please... i know you are all good at that! :T My mum has recieved a letter from a company called Lowell portfolio I Ltd saying that they have bought a debt from T Mobile dating back to 2001 and that she owes £116.47 there was also a letter in there from T mobile stating that the debt had…
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Where Next... bankruptcy?
Hi All, I'm not really sure where to start as our story goes back a year or so but here goes..... My husband and I realised things were out of control in terms of our debt last October when I had to get cash from bank machine on credit card to pay childcare bill! Anyway we contacted National Debtline, were referred to CCCS…
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How best to overpay on Mortgage
We (hubby and I) moved house in January and started a 20 year mortgage of £82000. The mortgage is a repayment fixed for the term at 5.97%. Interest calculated daily. We are able to overpay be £5000 per year and have windows at years 6 9 11 and 15 to repay in full without penalty. We received some money in October that has…
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Mackenzie Hall Limited
Having received a letter today from above company and feeling quite annoyed by it, I keyed in their company name on the internet and found that their letter should be ignored and also reported to Watchdog which I've just done. Thanks to all who put up postings about MH and now I can sleep easy again.:T Audrey, North London
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cheap home telephone
i have been with a firm called Pipex for just 12 months and find the costs are very reasonable. if anyone would like details.regards jbt:j
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new to the board
Hi there everyone, Forgive me a if a very similar post from me also appears - I thought I had posted earlier, but it doesn't seem to have come up on the forum, so i'm posting again. Anyway, I've been a fan of MSE for a while, though not posted much. I haven't really been on this forum much before, but I have realised that…
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Clear My Debt Early Challenge!!
So I'm writing this to give myself a kick up the backside! Even though I'm paying my DMP, every time I get a bit of spare cash I 'treat' my OH and I - but I've worked out that if I put it into my debts I could be paying off another 20-100pounds a month which means paying off 1 year early if not more which would be fab!!!…
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Anyone want some Sainsburys vouchers?
I have some sainsburys vouchers for money off - now I do shop in Sainsburys, but I dont eat these things! the vouchers are: - 50p off Kellogg's Frosties 500g - £1 off any Sony batteries - £1 off when you spend £2.99 or more at the hot food counter - 50p off when you buy 2 Jaffa Cakes Tubes 15-pack - 40p off when you buy 2…
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Debt, Debt, Debt
Hi, very new to this and just hoping that someone can point me in the right direction really. I have somehow managed to rack up £8,000 worth of debt in the last 12 months - which I know is really bad! And what's even worse is that I have nothing to show for it - couldn't tell you what I spent it on. The charges on my…
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How do you make extra money?
I'm fairly new to DFW (joined last week) and I've noticed that a few more have joined since. A common question seems to be 'how do I make extra money?' so I thought maybe you lovely regulars could help us out?! ;) I'm deperate to throw extra money at my debts, I already work full time and do an evening job so thought there…
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Industrial Tribunal Award - finance advice
Hi All Firstly, what a wonderful site this is! think you will be seeing a lot of me over the coming months ;) am looking for a bit of financial advice regarding an industrial tribunal award. The wife left a job without giving notice, her employer deducted 400 quid as a penalty, we went to tribunal, they never turned up, a…
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Clear a debt by April challenge
So some of you will have seen my previous posts but in short I want to clear my MBNA card currently at £1300. I have felt a bit stuck with this one for a while and it doesn't seem to be reducing so thought I would set myself a challenge and see if anyone wanted to join me. So my challenge is to clear this card by 1st April…
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19.11.07 - What DFW thing have you done today?
Hi all, Things for today: Sold 2 more items on Ebay to 1 buyer who didn't ask me to combine p&p so made a bit more money than expected. However I have told them to contact me to reduce p&p costs if they ever buy from me again. Listed 1 more item on Ebay. Done my piggy clicks. Received a Twinings coffee sample & 30p off…
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loan help
I'm having problems applying for a loan, I keep getting turned down. I've never missed any payments and other loans have always been payed off. After speaking to one loan company and giving them all the details they wanted they then asked me about the £14000 I owe which was taken out in July 2003. Well this came as a…
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dmp
Hi all i posted my soa on here last week and got some good advice (Any more would be welcome ) but what i wondered was that could i do my own dmp and contact my creditors or will i be better off getting someone to do it for me?
