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Making overpayments - when?
In Jan next year i'm going to start making overpayments on my debt where I can, I've calculated how much extra I need to pay each month to reach my target debt free date. The money i'd be left with to live off each month looks OK ish but i'm not sure which of the follow 2 ways is the best for making the payments; a - Pay…
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How do i write a letter to companys i owe to?
I have just got the names of the companys i owe to and the amounts from the debt agency that i am with (i am canceling there direct debit today) I dont have further details as all my debts are 6/7 years old and due to a shop i owned going under and i joined the debt company to distance myself from it all as at the time i…
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BT phone/broadband advice please
Hi all Looking for some advice re BT, many years ago in a galaxy far away (- oops sorry wrong story!) I was with NTL for Phone and TV however after many customer service related problems (not unusual I understand) I switched to BT for phone and internet and SKY for TV. I was paying £30 (ish) monthly for NTL phone and tv…
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New Starter
Hi all, This is the first time i have posted here even though i have read through the posts a few times. I do need help sorting out our finances. I feel like i am one of those who spend beyond my means though. Here is my SOA Monthly income after Tax: £950 (Im in the army so my rent and income tax is taken before i get…
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Advice on Virgin Media and Credit Report Please.
Hi there. I found out this week that my Virgin broadband had been cut off because I hadn't paid my bill for 3 months. Now I set up the direct debit when I first moved into this house 4 months ago, after which they overcharged me. I called them up, and they said they had "sorted it" as I was down for 2 direct debits instead…
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Default letters...
Evening, I am in the process of starting a Debt Management Plan and have made my first payment to payplan today. I have just received letters advising of possible default notices being issued. Obviously I knew this would happen but do I actually have to do anything?? Or do I just want for them to issue these? Apologies if…
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Help getting started
This is my very first time in a chat room but I'm desperate to become debt free and I hope you guys can help me. My main debt is ona Virgin Credit card - £11,500!!! Also £7,500 on other cards. £8,600 on a loan. I am repaying a little over the minimum on all of them each month. My main problem is the Virgin card - I can't…
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Hfc
I currently have a complaint with the FOS regarding ppi that was missold with a loan i have from HFC. Anyhow, since this has been going on i have suffered a dip in my finances and for the moment am unable to pay my full monthly loan repayments so i wrote to them enclosing a cheque for what i could afford and asked them to…
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Marbles sold their CC portfolio to specialist credit provider Aviemore(SAV Credit gp)
Is this a good or bad thing? Is it likely people will see their rates go through the roof?
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jbw enforcement acting on the enfiorecers bb1 weds @8.30pm
Did anybody see these clowns acting on the enforcers on weds 14th novemeber at 20.30 on bbc 1. What did you think ? Were they right in doing what they were doing ? Also did you know that mr newton was uncertificated when this programme was recorded and also jason hillier the chap who caught white van man has never had a…
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Finding a debt
Hi, I have a friend who has returned to the UK and has an old debt with Lloyds and Barclays, one is a loan and one is a credit card. He would like to start to repay these debts, but I need to know who to contact to find out who now owns the debts. They were taken out about 1 year ago, but has been out of the country until…
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Ancient rights for British citizens to refuse the forced entry of Balliffs
I signed up to this NO 10 Downing Street Petition and I got an email today telling me the Prime Minister's response. Trouble is that the link doesn't work. Can anyone shed any light on this one please? http://www.pm.gov.uk/output/Page13772.asp Lenny
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DMP Mutal Support Thread
Hello folks, How on earth do I get on the mutual support thread. It appears not to be working anymore. Cheers
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0203 1035 177 (GE) - anyone heard of these
I keep getting a missed call on my landline from this number, when I call back it says "GE called you, we will try later". I know I have debts but haven't got any outstanding and have recently checked my credit files and there is nothing adverse on there so don't know what they want. I presume it is GE finance. Has anyone…
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Had a blip and feel so guilty
I feel awful, I haven't bought any new clothes for months, it was probably spring last time I got anything... my one and only pair of jeans were hanging off me in shreds and my boots have been resoled so many times but had reached the point where they looked so tatty. So today I went into town and blew £90 on a pair of…
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Can I Hand My Car Back?
Hi. I have a BMW X3 which will be three years old this December. It cost, £34,500 ( Phew !!) and I borrowed £29,500 via BMW Financial services. The current balance, if I was to settle now ( Can't) is £20,150. As I'm struggling to pay the £497 each month, I wanted to hand the car back. I asked BMW financial services if I…
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How do I cancel old store cards?
Obviously someone on here will know, I have an old opshop store card, that I cut up, but I dont know what my card number is :eek: And I have an argos store card, that I finished paying off, about 3 months ago. Now how do I go about in cancelling them full stop. MiasMommy.
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Finally did something about it. Need advice
After months or tearing my hair out i have finally started to tackle my debt. The last few days i have been at my lowest ebb. Was having REAL bad thoughts and considered doing something really stupid. But i snapped out of it and went to the CCCS website and got my debt plan together. Was scary seeing all my debt in black…
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Priority to reduce inerest paid
I'm £3500 overdrawn and have £450 on a 0% balance transfer Credit Card. I also owe a childcare provider £470 in back fees. How do I reduce the interest I'm paying over the next year while I start reducing my debts. I've managed to reduce my total debts from £5000 to £4420 in the last 2 months by budgeting. Do I clear the…
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16.11.07 - What DFW thing have you done today?
I couldn't find this thread so I'm starting it again today. Things for today: At Tesco; Used 20 points coupon on any bottled water (got 17p sparkling water which I normally buy) Used 50 points coupon on any magazine Used 20 points coupon on vegetables Used a couple of thank you for being a Tesco clubcard member extra point…
