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Help, please! Not massive debt, but in a bit of a panic!
Hi, I hope someone can help. I'm starting to panic about my debt. 6 months of unemployment post- graduation has left me with about £4000 of debt. I know its not as much as a lot of people but it is a lot for me. I now have a job, thank goodness, but I'm not sure how I'm going to get out of it. I know all the theory, am…
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Lightbulb moment today
I had my light bulb moment today ! I’m a bit of an ostrich to say the least, I’ve always been a buy now, pay later girl and have had no problems with it so far. I’m married with a young daughter and turned 40 last year. We’ve had some lovely holidays, have got a nice house, etc but I have little spare these days. If I…
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Dealing with the stress of debt
OK, there may be different reasons for people to get into debt, either through reckless overspending or changes in circumstances or both. And owing money isn't as bad as having health problems for example. (though eventually the one may lead to the other) But I think psychologically it can be very hard to deal with and can…
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I broke my nose, wa
In my attept to save money I bought a bike. Yesterday. cycled to work today. attempted to cycle home from work. Broke my nose. I am sitting here with bleeding nose (it's getting better now), a shrek-like bruise which no doubt will turn blue by tomorrow, and I had to leave my bike in the city and get a cab home as was…
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No CCA and admin charges
Hello, one of my mail order catalogues have today confirmed they are 'unable to locate a copy of my executed agreement' but they enclose a copy of the 'current agreement which applies to this type of account. This current version includes contractual variations which have taken place'. The photocopy mentions 'default…
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Can you believe it?
Hello there Just checked my bank account with NatWest. They have charged me £68.60 interest for my £5,000 overdraft (dont ask!) and another £40.00 on top of that for the overdraft itself:confused: I had two direct debits which came out of account (or at least tried to) when there was no money in there so NatWest has…
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A little help info please
Can anyone help a chap at work had a few poblems with his mortgage and went into arrears however sorted somethin payment wise with company and paid back arrears plus regular payments. This happened last June. But cleared arrears in October so I would think his history would show he has not missed a payment since last June…
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Paypal scam email? Maybe not - I've been stung!!!
I've just received an email from paypal confirming my payment to webmaster/RapidShareAG for 5.99 euros. This was followed by another paypal email stating that my access has been limited due to suspicious activity. Here we go I thought, another scamming email and there's no way I was going to click onto the link to their…
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isa's
hi lloyds are offering 6.5% on isa's on £9000 or more. Has anyone had any problems with lloyds isa's before
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Tell or no tell ?
Does anyone know 1st hand, what actually happens if you start telling the card companies that you cant pay them this month? I went to CAB , but was basically told I wouldn't get any help until I defaulted. In the past I have borrowed more , to pay the cards :( so - are they helpfull about it, or do they screw you over ? ta
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quidco
what is this? How do u do it? How much can u make? Sorry im new and new as much info as i can on this and any other things that will halp cheers in advance
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ADVICE PLEASE, Hubby Hid Debts...Update
First Off, thanks so much to the folks that responded to my plea for help yesterday. It really helps to hear other people's responses, particularly from people who have dealt with debt problems. I looked into getting credit counseling here in the US, but apparently, if you do that the credit companies consider it the same…
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cca help needed
sent of my cca last week have got another letter from dc demanding I pay by 18th Feb.Do I just assume this letter was sent before they recived my cca or should I ring them.Maybe ras could help me.
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Experian sent my report to wrong address, what can I do?
I wonder if anyone can help me, I recently registered with the credit expert, experians web based offering, so I could monitor my report, and hopefully become debt free like you all with its help. I have a long credit history, and on requesting to view it online, it immediately said that it was too large, and will be sent…
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CCA Request Query - Another one!
Capital One have instructed Fredrickson International to obtain the full amount I owe Capital One. I haven't recieved notification of assignment from Capital One, nor any post from FI despite assurances that 2 letters have been sent. I have sent a CCA letter to FI, should one to C1 too? Cheers
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They've given DH a new credit card.
:rolleyes::rolleyes::rolleyes:Bloody barclays. He is £11,000 in debt on a DMP with his other three cards but because he paid (make that I paid) his barclaycard off a couple of years ago, they've given him a new one.
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help with selling my car and clearing my debts!
Ok, just to be very clear, I am NOT advertising my car for sale on this forum. I am trying to get my family out of debt. We were doing quite nicely thank you until my son got meningitis and I had to give up work to look after him. 3 years later and things are levellling out both emotionally and financially. I found this…
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What Do I Do Now?
Hi, Please can anyone here help me. Last year we got a secondhand car on hp from a local garage,everything was sorted. Within 2 weeks we started to have major problems ,so I refused to have the car back. When I phoned the garage to complain ,I was told it was the finance companies problem , when I phoned the finance they…
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I have finally done a SOA what do you think?
I have finally got round to doing a SOA as we are moving house and will have a mortgage to pay so need to be super organised. Income OH full time work 1850.00 Me part time work (16hrs p/w) 650.00 (sometimes a little higher) Child Tax Credit 83.53 (worked out monthly) Child Benefit 183.30 (worked out monthly) C Maintenance…
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URGENT HELP - Debt Recovery
The debt recovery people for EDF have come back to me. He said his supervisor has refused the £10 as they can only offer repayment over 12 months and no longer which would mean £31 a month. Then my phone died! I need to phone them back and sort this out, but he wont budge on the £31 and I really cant afford it. What can i…
