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basic bank account?
Hi there everyone, I need a decent bank account,but it will more than likely be a basic one,as my current account with Lloyds TSB was closed a while ago.I have one CCJ and most of my cards etc are on payment plans.Can anyone recommend one that I may be able to get - maybe one that allows direct debits if possible......and…
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Help! Going under!
Two years ago my partner (we are now splitting up) was made redundant, with only a couple of months redundancy payment. We put our property up for sale (£175,000), and borrowed money to send him on a plumbing training course and buy van/tools etc. The course took 10 weeks, during which time he was obviously not earning and…
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Help needed
I have a friend who is in serious need of some help and advice. I dont know the exact amount of her debts but i do know that its a fair few thousand. She has recently broken up with her husband, lost her job through being made redundant and is in fear of losing her house. She has two kids and doesnt recieve alot from the…
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Prepaid Cards Cashplus or Virgin
Hi I have had both these cards a while & usually work ok. However, if one does go wrong it is always the Cashplus one. On several occasions when their have been sufficient funds loaded the Cashplus has rejected at restaraunts, when renewing insurance on the phone, & buying concert tickets on-line. On each occasioni have…
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Want to be a stay at home mum
Hi All, I just wanted to post my SOA and see if you can give me any advice about budgetting so I can stay at home with my little boy (and work in the evening/weekend) instead if going back to my full-time job once my maternity leave ends (in October). Our incomings are £1600 OHs wage £1100 My wage (Currently £1630, but…
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Hiding from my ex from hell but he found me
I've been hiding from my ex for various reasons, including fear of violence, for the last 3 years. I have moved 3 times, I'm not, as far as I'm aware, on the register of electors and have done all I can to be invisible, but he finally tracked me down last weekend. I was forced to dial 999 because I was scared of what he…
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Debt because of "friend" - Help
Hi eveyone, Are you able to help and give some advice on the below please??? About 3 years ago, I was living with my best friend. He got into debt and I took out some loans to help him, however he then started taking out some credit cards in my name and using them. When I found out, I was annoyed but have been paying them…
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SuzySu's debt free diary
I am really so inspired reading other people's diaries, their struggles, their suggestions and having a virtual shoulder to cry on when things look a bit pants that I would like to start one too. Everyone on here is so supportive of each other's achievements, no matter how small and I would love to be a part of that. So,…
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Help! Cannot get my money back from Additions Direct...
Hi everyone, I ordered some mobile phones from Additions website in January. It was quite a big order and I paid by my debit card. But I never got anything from them. The problem is that I have called them about 20 times(the 0845 number cost me a lot) and all the time I got the same answer from all their CS advisors. All…
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Bailiffs Rights
Could sombody clafiy bailiffs rights as they are making a second visit on Friday to remove goods.This is a debt for council tax 1k,they haven't got a walking possesion order,it has been to court.What I need to know is can they force their way in?,I will ring the bailiff tomorrow.I realise this will have been covered,but i…
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Cancelling Direct debits :(
Hi, just needed some "more" advise from you folks. I have just had a conversation with a debt charity re: IVA as our most realistic option. He advised that I should cancel all my direct debits with my "creditors" (see below) and only send them token payments for now. Is this leagal?? dont get me wrong I am not disputing…
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How to get a cheap loan to pay off debts...
Hi There, I'm Kris. I want to get a loan for about 10,000 to pay off my credit card debts & Overdrafts. I have credit card debt and 3 overdrafts, one for 800, one for 1500 and one for 220..... and all told it comes to over 9000 pounds (sorry my pound sign doesn't work!) So I applied to Barclaycard for the 6.8% apr loan but…
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Ex - Refusing Closure of Joint Bank Account
Ex boyfriend refusing signature to close Joint bank account, and using cheque book, overdraft and cash advances to finance new relationship. Advice Please... (His wages are now going into separate bank account with a different bank, so are mine. but bank say i am liable for £950 of Cash advanced cheques and temp overdraft…
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Do not want phone calls regarding my debts
never mind about someone elses!!!!!:mad: Thought it was a scam phone number at first when I got a call from this number 07624819086 asking me to phone 01413538577, and to quote a reference number. Was not going to do it until curiosity got the better of me:rotfl: . Apparantely they are a debt collection firm in Glasgow.…
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Have had my BR date
Hello everyone, Well I have had a date of 7th May for my BR hearing and I am terrified but I just thought it would be nice to tell someone as I live alone with my elderly mum of 87 who knows nothing of my problems and until I found this site I really felt alone but everyone here has been so kind. I will keep you all up to…
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How can I get my money back?
I recently purchased a course from ICS and paid in full with a promotional code so I managed to get the cost down to 300 something pounds, i had a conformation email saying that that amount had been charged to the card. Anyway on the weekend I checked my bank account to see if it had gone through, and yes the same amount…
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credit card debt
Hi not sure if I am posting this on the right bit. But I need some advice, my dad ran up high credit card debts a few years ago. These credit cards are in joint names so declaring himself bankrupt is not an option. We have been paying an agreed amount for the last two years. However I have heard that some credit cards will…
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Random Number!
Hi all Just wondering whether anyone else has ever received calls from this number: 01280 700 142 It has been calling me endlessly whilst at work and I can't answer it, and they called on Saturday at 8:30 in the morning! Everytime I try and call it back it's engaged, no matter what time of day I try and call, and I can't…
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Order on Property
Please help as Im confused. I got taken to court by GE Money for CCJ and they decided to put a charge on my property. Now the order was for 5,000 however the woman i spoke to last night when i called to make my agreed monthly payment told me that this amount will contiune to go up as interest is being added on to it. The…
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Credit reports
I have just got my credit score and report from experian and i'm in a state of credit confusion! They say my score of 699 is "poor" and that i'm a high risk but everywhere else i look says its "good" my report showed only two companies owed, both of which displayed my payments as being consistently up to date (one of them…
