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I was so chuffed earlier this evening but
now I'm as down as I ever was. You see the local pub want waiting staff for the evenings .....so I give them a ring and they say come along for a chat. So off I go and I strongly suspect that I will get a job as they want someone 'mature and reliable'. It's only minimum wage but I guess I'd get around £80 a week which…
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Returned Cheque ??
Hello guys, dont know if this is being posted in the right place or not.... I had a new boiler fitted, the workman wanted a cheque not cash... (which i had already taken out the bank) any way, work done Monday ... cheque paid into there account yesterday and cleared from mine this morning ?? I thought it took 3 days for a…
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Help re repayment arrangement?
I am a newbie & am unsure where to post my question but here goes. After a accident 4 yrs ago I am now disabled & hubby is my carer so both now unable to work. Thrown into chaos an unable to honour existng debts CAB helped us claim all benefit entitlements etc & to established agreed minimum repayments & freeze interest to…
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Help re debt repayment arrangement?
I am a newbie & am unsure where to post my question but here goes. After a accident 4 yrs ago I am now disabled & hubby is my carer so both now unable to work. Thrown into chaos an unable to honour existng debts CAB helped us claim all benefit entitlements etc & to established agreed minimum repayments & freeze interest to…
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can you help
Hello I have received a letter from a debt colection agency telling me that I have a debt from "2001" and that if I do not pay it then they will take court proceedings; there is nothing on my credit information. all my debts have been satisfied and they are refusing to give me any paper work regarding this debt, can anyone…
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Address advice please
Hi there Everytime I get asked on a credit application about how long I have lived at my current address, I struggle on what to put. I lived at home with my parents for 22 years, then moved out for all of 8 months but am now back with my parents and have been now for just over a year. Obviously, living at the same address…
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Go it alone?
Hi there I am new here and this is my first post. I have been with Spectrum financial services since Feb 07, and so far haven't really paid them much due to being completely stupid and letting my debt sit there. I am thinking of forgetting about them, closing my account with them and going it alone. I have contacted…
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global recovery
hi every one, this is my first post and would like to know if anybody has not had to pay global recovery for 11 year old debt with a CCJ? i have received a letter from tower on behalf of global :mad: . the debt is 11years old but i didn't know about CCJ's or anything until now and i have lived here for 7 years on the…
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cccscollect - direct debit?
hiya I owe £28.82 to CCSCOLLECT ....I did arrange to pay half this week...in fact I arranged to pay this before two weeks ago but money is tighter than expected. After arranging £14.41 on the phone on monday, they agreed to hold the account until payment was phoned in with visa electron card, was also told I would be…
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Charging Order And Nr *update*
If anyone has to go to court over a Charging Order, please do not be scared. We where worried for months and it was absolutely fine,glad we went. Please Please attend the hearing it could work in your favour, as you are showing the judge you are taking it serious. The judge ruled in our favour, he ruled against NR and we…
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One Year On From My DFD
Hi Everyone It's a year today since my DFD so I thought I'd post about how things have gone since becoming debt free in the hope someone can use something from it. For those that don't remember me, my debt at its worst was around £20,000 towards the end of 2001, although thats just a best guess since I didn't have a LBM…
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Debts on Credit File
Hi Just a quick question. I have a debt that has been red flagged on my credit file as i missed several payments. I have agreed with a DCA to pay something each month, and have made 1 payment, and will make further payments for around 12 months. I have this in writing. What i was wondering is will it still show as "red…
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Debt management
Hi can anyone help me please. Im currently in a DMP and have been in for the last 2 years but they didnt tell me just how badly it would affect my credit rating. I live in a rented house so dont own my home. Is there any chance I would get a loan to get me out of the DMP (this is my first time on here so sorry if itd in…
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Are DCAs allowed to alter the details of a default with the CRAs?
Hello, I defaulted on a CC debt a couple of years ago which was passed to a DCA and subsequently satisfied. The default was registered with the CRAs by the CC company but when the DCA took it over they changed the details, i.e. firm was changed from CC company to them, address was changed to my current one, amount changed…
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Lloyds TSB - think they have broken OFT Guidelines
We have been on a DMP for about two years now, in that we included our old overdraft which after a lot of correspondence finally got interest stopped and accepted payments. About a month ago we increased payments from about £1 to £4 and again they accepted for about 6 months. Today I receive a letter offering full and…
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pregnant and frightened please help
Hi all to cut a long story short I had my lbm Dec 07 spoke to cccs and was about to start a dmp when i actually got a bit of work. I decided to keep going for as long as I could making payments and managed to reduce my debts from £19100 to £15300. i NOW OWE £13600 LOAN TO aLLIANCE AND LEICESTER (£297 p month) and £1700 to…
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!!!!!! Arggghhhhhhhhhhhh!!!!
I keep getting bank charges, just checked online and im 21p overdrawn so ill be charged £20 :cry: I bought suncream online and it took the money from my available balance but i obviously didnt calculate it right. Just feel like its constantly one step forward 2 steps back :cry: Already got £50 charges coming out at the end…
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Help and advice needed - parents in debt
I don't know if anyone can help, but even a push in the right direction or a kick to get things moving will help! My father was made redundant 2 1/2 years ago. He got a very small redundancy package as he'd only been there a year. He was also left without a car as he has been in the motor industry for all his life and…
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rockwell
i was happily paying off an old debt to HSBC bank until last november they passed the debt to rockwell. today i got a very snotty phone call from someone at rockwell informing me there is £590 left to pay and can i pay this in full today. i said no then she offered it to me to pay off £300 in full and final settlement. i…
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IVA Help
Hi I am new to this site...i just wondered if anyone can suggest anything, my boyfriend and I have just (Feb 08) entered into locked IVA's. Our fixed mortgage rate is up in September, I have been given a new quote from our mortgage company expecting an extra £165 per month from us for the mortgage payments, we went back to…
