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They ignored letter...what now please??
Hi All I posted back in January that i was being chased by two debt collection services for debts i do not owe, i was advised to write and send recored with a £1 postal order a letter stating "I do not acknowledge any debt to your company" etc etc which i did on the 28th Jan and retained copies. I have today received from…
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A long awaited night out!!
Hi, Can anyone give me some suggestions on an inexpensive night out for Valentines with my hubby please. We haven't been out on our own since last September and we have a babysitter for the whole night!!!:j I am quite happy with a good flick and a nice meal/few drinks .... I would like to go to London and stay the night…
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How do I find out Who I owe?... Please Help
Hello I have a lot of Debts totalling more than £9000 from my time as a student (this is excluding my student loans which are occasionally taken from my monthly earnings) and have been running for years to avoid them, for many reasons. Basically, I have come out of the wilderness now and want to begin to pay them back as I…
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Some advice please on debt collectors...
Hi There, My husband has alot of debt due to a difficult time he went through a few years ago. Most of the debts on his credit record are almost more than 6 years old. We always get calls from people asking for money, and he pays some of them to make them leave us alone for a while. But recently he has started asking them…
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can they do this
last week i wrote on how a got out the blue from someone i owe money to so the first thing i did was phone them up. After one of the worst phone calls in my life ie they not really wanting to help me out in any way. they said i could pay back £30 pcm but they needed it before 15/2 not good as don't get paid til a week and…
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Debt Management Company or DIY
Does anyone know if it's better to go to a company for DMP or is it better to diy. I've been with a DMP company since end of 2004 and felt really good that I could send all the threatening calls to them instead of dealing with the calls myself. My total debt is £39,011.75. I pay DMP £300 per month out of which they take…
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Hello from North East Derbyshire CAB
North East Derbyshire Citizens Advice Bureau would like to say we are very impressed by this site and hope we can positively contribute in assisting those with debt issues. We have a number of dedicated debt case workers who hope to contribute in their own time on this site and other forums we are currently members of. We…
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welcome finance
[FONT=Arial, Helvetica, sans-serif]Lender boss in coke loan shame [/FONT] By Joe McGrath A former employee of adverse lender Welcome Financial Services has been jailed for 12 months after he embezzled more than £25,000 to fund his cocaine addiction. Last week, Manchester Minshull Street Crown Court heard how Steven…
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Debt-free Wannabe Virgin
Hi Everyone I did the worst thing I could possibly do to my husband, conceal my debt. He found out on Friday night when I told him, and we when through the rollercoaster ride on emotions but have come out the other side still alive and married. He has agreed to support me in getting the debt resolved. I have taken today…
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Had my lightbulb moment
Hello there, new here! Been putting my LBM off for ages, but had a big change of life in the last 2-3 months. One of those changes is my lifestyle and sorting out my finances. I have a very supportive OH who is going to help me in any way she can to get stuff sorted. My finances have got me down for too long now, so I'm…
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Quick, Martin on Radio 4 now - Debt
As stated above. Moneybox Live.
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clueless by name clueless by nature
Hi there , I am i need of some help, i have no idea where to start wiht our debt. I am so upset and scared about what we have done to ourselves. i need to deal wth it all. since the year 2000 my hubby and i have slowly got in to debt, i have sort of known whats been going on but my hubby works for a high street bank and…
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clueless by name clueless by nature
Hi there , I am i need of some help, i have no idea where to start wiht our debt. I am so upset and scared about what we have done to ourselves. i need to deal wth it all. since the year 2000 my hubby and i have slowly got in to debt, i have sort of known whats been going on but my hubby works for a high street bank and…
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Credit References
I just wanted to post this email which I recieved from Experian today. I had emailed them to ask why the information provided on my Experian credit report is different from that of Equifax. "Dear Miss XXXXXXXXXXXX Thank you for your email, which we received on 30 January 2008. I note your comments and would advise that…
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Help for my brother please (Starting out on his own)
So the time has come, my brother is set on moving out. I'm trying to get it into his head that he cannot afford to without financial support from his girlfriend (they'll be living together). So thought you guys could maybe help me put together a rough SOA for them? His income is about £100-£150 per week now, he's self…
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Quit Smoking and Boozing for Lent, save ££££
I have today decided that I am going to quit smoking and drinking for lent, I plan on keeping the smoking quit and see about the alcohol. I figure that I can save a fortune and do wonders for my health and wellbeing. I want to feel like a member of the human race again! I'm a heavy smoker and drinker so anticipate that…
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Problems with my CITI credit card….well actually two of them.
For some strange reason CITI issued me with 2 credit cards despite only ever applying for one. Not sure how that can happen but at the time I thought great more credit for me to spend(this was last year when I was being a complete tool!!). Is there any point in asking for CCA’s for both cards?? I know I have used both…
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How many creditors have accepted you r DMP??
Hey all, Just wondering how many of your creditors have accepted a reduced payment plan and held all interest and further charges. I started my DMP in Dec and have a huge list of creditors; Mint CC Egg CC Lloyds CC Lloyds OD Virgin CC Halfords CC Citi CC x 2!! Barclaycard CC HFC CC Aqua CC All but 4 of these have accepted…
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Email address for Equita
Hi does any one have an email address for Equita at all. Would be greatful.
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Court Summons / CCJ
Because I did not pay my council tax on the 1st of every month - I was paying every two/three months - always paying whatever balance was due. Because I missed three, 1st of the month payments (from Apr 2007 - Aug 2007), the council issued a court summons with a date and time for the amount due. On receipt of this summons,…
