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Token payments - how do you pay yours?
I need to send token payments to my creditors each month and assumed that I would use postal orders (I don't have a cheque book anymore). But when I went to the P.O. today to get them, I discovered that each £1 postal order would cost me over 40p! I know it's not a huge amount, but it works out at nearly 50% extra! Is it…
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Advice needed
I currently have * £7500 loan which I am paying off at £250 a month @ a rate of 23.9% * £500 loan from the cheque centre, paying over 12 months @ £70 a month * £500 on a Capital One Credit Card (Payment is roughly £20 a month and that is the minimum payment) * Topshop card sitting at £200 which I pay around £10 a month to…
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IVA with Baines & Ernst
Hi everyone, Just after some advice really, we owe 18,500 in unsecured cards, catalogue and overdraft with about 5 companies. We both work and our joint income is about 24k, we have two kids age 5 and 19 months and own a shed of a car. We owe 105k on our mortgage and the house is worth approx 125k. We have discussed an IVA…
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Car Finance Help
Hi I was advised to re-post my thread on this forum.... this is my first post. I entered into a 5 year Finance agreement with Fortis Lease for a vehicle in 2005. I recently requested a setlement figure and a copy of the loan agreement (moved house couldn't find it). Upon inspection of the finance agreement I noticed the…
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Completely Skint!Pro Rata Payments or Bankruptcy?
Hi Everyone, I'm new to the forum but have been reading with interest for a while, and eveyone on here seems full of such good advice, and willing to assist. As such, I need help and kindly ask for any advice on the following. 1.I have credit debts totalling £50,484.06.This is a settlement figure if paid in full now.…
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Urgent Help please Robinson Way Notice of legal action
Hi guys, just wondered if anyone could help me please? I've had letters and phone from various different companies about a debt with Natwest Credit Card I had 11 years ago. Basically I have always disputed the debt and was sure it was dealt with many years ago when I was using a debt management company, but they are syaing…
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ccj from drydens lawyers on behalf of egg- help!!
hi just had a ccj form in the post from dryden lawyers on behalf of egg. bit shocked as just setting up dmp with cccs with this debt included. is this normal? i thought ccj was far further down the line? brief outline of situation is: we missed 1 possibly partly 2 months payments with egg and while setting up the dmp i…
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Help!!!
Aktiv Kapital Hi All , I have been reading all the threads with regards Aktiv Kapital and the things you can do to get rid of the debts , e.g 6 year expiry and also sending them a letter requesting proof of contract . My question is this , my original debt was over 6 years and im gutted i hadnt seen this forum first…
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CCJ not satisfied?
Hello, I have just joined this forum as I would llike an answer to my question, I have done a quick search but nothing came up in the the first page that seemed to answer it, if you know of a post please point me to it. Here is my question: I was issued a CCJ in Nov 2001, my finances were in such a state I never got around…
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how to get my credit rating back
hi a couple of years ago i defaulted on a naywest credit card. i have just looked at my credit report and it is this that is holding me back fro getting most decent credit cards. i have another natwest credit card is there anything i can to to remove the old one form my credit score ? thanks
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Open Letter To Martin Lewis
hello MARTIN , thankyou for a great site . Can you help with a big problem that many on here are coming up against ? That is, dispite written requests to DCA , they persist in making threatening phone calls . You only need to look at some of the threads to see the size of the problem . Some will say, report them to the OFT…
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Aktiv Kapital
Hi All , I have been reading all the threads with regards Aktiv Kapital and the things you can do to get rid of the debts , e.g 6 year expiry and also sending them a letter requesting proof of contract . My question is this , my original debt was over 6 years and im gutted i hadnt seen this forum first otherwise i would…
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Never just rains... but it pours...
Just when i thought i was getting myself sorted out after having fallen off the DFW wagon i got 2 letters through the post. Both from the council. First one is a council tax bill. I have paid 1/2 of it, but in my stupid month i forgot to pay the other 1/2 (£300) and now they are threatening me with baliffs etc. The second…
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Advice for clearing £800 debt
A colleague of mine is looking for advice to get out of a relatively small amount of debt. He is a young lad, only 19 and living at home. He says he can't ask his parents for financial help but has managed to get into about £800 worth of debt. He doesn't have many outgoings, only his car insurance and mobile phone bill,…
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Our Marlin Experience
We have been with Payplan for almost 2 years since our financial difficulties started to affect our ability to make our Mortgage payments (very worrying). Most of the creditors entered into the arrangement with Payplan and accepted a pro-rata share of the £250 per month we pay to payplan. We have had a better quality of…
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help me stay focused.
:mad: Can someone please help me focus my attention back on clearing our debt. Situation is i'm pregnant and will be taking a hefty cut in wages (around £800 a month) for 13 weeks due to SMP in january. I've switched all that can be switched, have £160 in quidco and have gotten our cc debt down to around the £900 mark over…
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My attempt at reducing debt.....
Hi all I have spent many time reading others SOA's with huge interest in how you are all helping others from the goodness of your lil hearts :j !!!! Incomings.... Salary 1300.00 WTC 356.00 Child benefit 72.40 Nursery fees 480 Total 2179.96 Outgoings... monthly Mortgage 489.44 (deal runs out in nov :eek: ) Leasehold…
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Where does this leave me?? (bit long..)
I recently had a couple of letters posted to my mum's address a couple of weeks ago and I asked her to open them and tell me what they were. They were both in identical printed envelopes and one was a letter supposedly from Capital One (but on really cheap looking paper which looked a bit iffy once i received them at…
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Payplan???
Hi guys I'm back on here again today. For those of you who kindly read my last post, this is just a quick update. Basically we contacted CCCS who advised us to offer our creditors £357 per month in reduced payments (for £86k unsecured debt caused by a very traumatic 18 months). Although they were lovely, they weren't…
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Another letter on behalf of Capquest need advice
ok about a month ago i recieved a letter from telogram asking me to ring them to confirm my address etc .. i ignored this thro advice from the boards anyway this morning ive recieved a letter from H L Legal (in association with sampson) it says ... they act on behalf of telogram who in turn act on behalf of capquest and…
