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Soa
What is an SOA and how do I post it?
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Daylight Robbery
I got home from work today and there was the usual junk mail offering me a loan. I opened it and it was from provident loans offering me a loan for between £50 and £500 for christmas, their 'friendly' staff will even come around to collect your repayment each week...so wots the catch? the typical apr...wait for it....…
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What is a fair charge for writing a letter
A debt I owed has been handed to a Debt Collection company. They have added £40 to the debt and the only thing they have done so far is write a letter informing me they will start proceedings if the amount is not paid in 14 days. Can they do this ? Surely by law they can only add on their costs, and I dont see how writing…
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F.V-1.inc, Stanpford Lincs
Has anyone heard of the above company, I really need to find out more about them. They seem so dodgy!!!:j Thanks My spelling may be wrong.....
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Utilities from old house
I left my rented accommodation on the 15th July 2007, all utilities were given notice letters and on the same day all the utilities were transfered to my new home. I have not missed any of the utilities payments - all direct debit. Right I had not heard anything from the new tenants of the house or the utility companies so…
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Dealing with debt
Hi Looking for any pearls of wisdom, advice or coping mechanisms. Really in a sticky situation. For about a year now we've struggled as OH self-employed and business took a down turn. We had re-mortgaged in March 2006 but at this moment back to square one with a high mortgage and not really much money coming in. I visited…
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Newbie (well its been a while since i posted) and starting my CCCS DMP
hi guys and gals. sat down last month and thought i just cant manage anymore! its funny, for years ive been moving money around and trying to pay off the highest interest first but i just got a bit overwhelmed. i didnt pay any of novembers bills apart from the important ones and rang the cccs. total debt is 33,313 my full…
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New and overwhelmed
Hi, Well I have been burying my head in the sand now for about 5 years, knowing full well that I have debt but hoping it would just go away which meant it has just been creeping up and up. I have no idea how much exactly I owe, I think maybe about £15,000 (not including mortgage) but I haven't done the sums yet. I actually…
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Another DFW comes out from under the stone she was hiding under
Howdy all, I've been lurking on here for a while, and thought it time I introduced myself, and set out my SOE, to see if it looks as bad on paper as it does in my head. So, deep breath, here goes............. Monthly salary: £1,867 (nb: after pension) Monthly SO into joint account: £750. This covers all the household bills…
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Help!!!!!!!!!!!
I'm in debt, I've just worked out with what I am paying my creditors each month, I am going to be in debt until I am about 95!!! How do I go around paying more? do the biggest come first, the oldest or the smallest?
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Help!!!!!!!!!!!
I have just worked out all of my creditors and with the amount I am paying them each month, I am going to be in debt until I am 95!!!! (if I live that long) How can I bring them down quicker? they are not accumilating interest, do I start paying the smallest more first or the oldest or the largest???
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Challenges??
Does anyone know off any challages i can sign up to? I not good on pc's and cannot find any posts for this so any web links would be great as ive gone through forum and cant find any. I have signed up for under 50p and whisky bottle.
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Consolidation loan-which one and should i?
Hello all, I really need some help, am stuck financially with loads of outgoings soon and not enough income! :confused: I have 2 loans: 1= borrowed £10,000. £190 p/m, ive got about £8k left to pay and its a 5yr loan which i took out Mar 2005 2=£16,000, APR 7% approx. £230 odd p/m. Took out in May Now i need another £5000…
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Direct Debit Guarantee Scheme
Hi all, recently had to much money lifted out of my account by sky (tv). contacted my bank to inform them that this had occured, but as usual it was,nt their problem :rolleyes: according to them i had to go to sky. I informed them that according to the Direct Debit Guarantee " If an error is made by the organisation or…
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Is this a good idea?
Had a meeting with bank manager today:eek: for review. According to them my DH is fine for credit :rolleyes: (dont know how) and she suggested him taking out a loan to cover our debts. That means making £257 per month for 3 1/2 years as opposed to £500 per month for 7 years (her figures). She said that would improve our…
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Trip to the Trafford Centre - on the cheap
I'm off to the Trafford Centre to do some Christmas shopping this weekend (though thankfully I've done most of it already:j :j ) but I'm desperate not to spend too much. Does anyone have any tips of cheapish places to eat or any top bargains I should maybe try to get? :think:
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Very first post
Okay - so here goes.... I've been in debt for years. At my worst, my debt was around 27k and my annual income was around 10k... Things are looking up now - I'm sorting things out and have a much healthier debt to income ratio (22k to 29.5k earned) Thankfully, my nearest and dearest know all about my situation and have been…
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£100k debts and redundant
Advice please. I have been made redundant from £100k+ job and had no success in finding new employment at any level. I have used savings and redundancy insurance to keep afloat for the last few months but now out of funds. Have 5 more months insurance payments left which will cover the mortgage and utilities. CCCS and…
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barred letter sent, but need help please, MAGIC entries on credit file.
Hi all, After many sleepless nights Ive sent the statute barred letter, with digital signature as advised, via royal mail special delivery to Lowell Financial. Now I'm scared, I really am. What will happen now? Is there a time limit to respond to a statute barred claim? If the loan is indeed statute barred how do I get the…
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Did your credit card firm increase your rate then offer to give you a loan?
Hi folks The Guardian is doing a story about how some credit card providers are trying to push some people off unsecured lending and onto secured. The journalist would really like to speak to someone who had their credit card interest rate increased and a phone call soon after from the same provider suggesting they take…
