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Creditor not Responding
Hi, I joined a book club (yes, stupid I know) and I've got into owing them money, they've apointed a debt collection agency whom I have been emailed once saying I owe them some rediculous amount of money, I emailed them back asking them to explain this amount, after 8 days I emailed them again, now it is 21 days and I'm…
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Vanquis told me to bog off!! (more or less!!)
Hi After paying off my Vanquis and Capital One card, I wrote around 2 weeks ago to both of them, using the template letters to ask for copies of my statements showing any over limit charges / default charges etc which had been applied to my account over the past 6 years and enclosing cheques for £10 to each. Capital One…
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Food Shopping
Just noticed a post where someone stated that they spend £75 a month on food for 2 adults a child and a dog. Well for two adults & 2 cats i reduced my shopping from 250 to 150 thinking this was a reasonable amount am i wrong?I have cut out most luxurys but (you will laugh when you hear this, i keep the cats on premium…
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Really need some advice please
My mum recently suffered a massive stroke three weeks ago and is currently hospitalised. Her mail has been building since then and this week my dad took some of the post into the hospital for her to sort out. He has brought it back, some to be shredded, some for recycling bin and some to be filed. Most of which he has…
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My SOA
I am a full time carer and care for my son with Asperberger's syndrome. That is a form of Autism. He is at college part time and I could try to find a job. I will try to flood the town with CVs at each and every place where I would love to work and hope for the best. Income Income support, mine £290 monthly Income support,…
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HSBC Managed Loan - help please
Hello everybody Does anyone have any experience with this? I have just started a DMP with CCCS and my bank (HSBC) who my mortgage is with have sent me a letter saying they accept my offer of payment, provided I sign for their managed loan. With £650 interest, over 70 months. This seems to defeat the object. Anyone with any…
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Friday night, rama lama ding dong party?
Hey you in the mood for a party? After the week I've had I certainly am.:o Right vino for me and yes I know it's early but I need drinkies. :beer:
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What option would you take?
Hi, I'm recently a DFW but have a bit of a dilemna: I currently earn a decent amount by carrying out standby/callout for my company. It is something that I have been doing for about 7 years, so I am very used to the additional money, but recently is is becoming more and more of a hassle. Whereas it used to be the odd…
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Ford Focus
has any body had trouble with 53 ford focus dashboard as my son has got to pay out £315 to get a new one ,i have since spoken to 3 people which said they had to have new dash. i know they all came from same dealer ford.can any body help me.
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...that's right I'm totally brassic!
I've just completed the online cccs form and their recommendation is bankrupty. The dilema is that I cannot take this route because of the profession I work in AND the profession I hope to go into. I'm stuck, tired and fed up. A few months ago against my better judgement I told my family of my dire financial…
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what is duel fuel?
i just been on quidco as i wana change my gas electric but what does duel fuel mean..as its asking me if i already have duel fuel..all i know is i have elec and gas lol
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What should I do?
Could any one give me advice in how to get rid of all my debt? I have a debt of £2500 on a credit card which I have just transferred to a 0% intrest for over a year but I also have a bank loan worth £3900 that I pay £134 a mount to for the next 2 and a half years. What is the best way for me to get rid of this? Should I…
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Ebay have send a Debt Letter!
So my ebay fee's were paid late, I totally forgot about them not using the computer much. (actually when i say i i mean my son, Who has an account for himself for buying etc.. and he's 15, i know he shouldn't have one etc.. but he does) I owed them £15.00 of ebay fee's which when i realized i paid off with paypal…
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DMP (As an IFA)
Afternoon all ! I recently posted my SOA on here, some things have been trimmed back already, however I have got a couple of questions regarding the CCCS and DMP plans. By my calculations, i'm still overbudget by about £275 per month, whilst I haven't missed any payments, made any late payments or had any problems yet, i…
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The Worst Week
I am so sad and bloody fed up its unreal. Thursday (last week) - Natwest charge me £76.00 for 2 returned direct debits Friday (last week) - Natwest charge me £35.00 for a card payment Monday (this week) - Northern Rock send me a formal demand for the 26 grand unsecured part of my mortgage. Tuesday - Northern Rock say if I…
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Reality Check
Hello all. I guess I'm posting this really to get some independant views on my financial situation plus some tips about improving it. My disposable is way too low now and I need to increase it. I'm sure I can cut back in some areas, but I'm also considering remortgaging, or cosolidating the debt. This will increase…
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Ways of making £500 by christmas???
Hi people im hoping you all can help me. I want to take my girlfriend skiing in Januray ( thats when its cheapest ) and want to combine it as a christmas present and also want to propose whilst out in sweden we have been together nearly 3 years and i want to make it special. Anyway i have £250 saved up so far but im…
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Help Needed with SD Please!
Hi All Just received an SD from Connaught. They sent it 2nd class post to my old address and it has been redirected. Last week I did call them and offered £50 per month they said they would not accept less than £100. I did not give them my new address and now they have sent SD. Am very scared and don't know what to do…
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RBofS loan has disappeared!!
Hi all! Just checked my online banking and my loan with the RBofS has disappeared! We started on a DMP in October 2007 and have not heard one thing from the bank since our letters were sent - not even a default letter. The disappearance of the loan from our online banking is the first time anything has happened. Maybe we…
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Please help me advise my dad I'm so worried...
My dad has really had problems with debt for a long time. He has a house but is mortgaged up to the hilt with it and has a secured loan on it (20% from Freedom finance- gulp). His house has a repossession order on it too. For a few years he has been waiting for a piece of land he has inherited to gain planning permission…
