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Overdraft
I have had an email from Alliance and Leicester to say I have been accepted for one of their premier accounts (the ones where they match your overdraft with 0% interest for a year). Will wait for the written confirmation to come through so I can see if they are definitely prepared to match my O/D. If A&L do match the O/D…
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Will I be refused a DMP? :(
Hi guys, I have my interview with CCCS in a couple of days so thought I would prepare everything today for them. Problem is, i've just been "enlightened" to the fact that I owe even more than I thought! I had an all out panic attack when I realised I owe around £20k MORE! :( My £80k+ debt is due to my business and huge…
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My Challenge: To Pay £1000 off Credit Cards
Hi all, been depressed about debts for a while now (10k), but this site and forum have inspired me. My aim is to raise £1000 and pay it directly off one of my credit cards as quick as possible. Just posting this has made me feel better already:j . Any support is much appreciated and may need some advice when I run out of…
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Statute Barred and Credit Report?
Hi, I've been reading through some threads and noted the comments about debts being statute Barred... I have a quick question, if you have a debt that is now statute barred, will that still show on your credit report and if so, how long do they stay there? many thanks Tray
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seriously feeling cornered by Lloyd's tsb
Hi again, I have just telephoned Lloyd's to tell them I am not jumping at their offer and want to think about it. The manager has warned me not to go down the route of dmp and iva's, the latter of which doesn't apply to my circumstance. However, when I last met her and she pushed for me to have a re-mortgage to the sum of…
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Advice re: Council Tax debt not originally in my name but bailiffs chasing me!
Hi everyone, I hope someone out there can help me... I am a mature full time student with a small son who met a lovely new partner who moved in with us last March. Up until that time I had been a single mum who as a full time student was not liable to pay council tax and I also had a current housing benefit claim. I…
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Paid survey sites
I am a member of quite a few paid survey sites, both me and my OH regulary complete surveys and despite it not been massive money, every little helps. Now my exams are over I have more time to dedicate to earning myself a few more pennies so was wondering if people could let me know which sites they use and what the pay…
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Im a Young single Mum and really need debt advice please!
Hi Im 19 years old and I have a daughter who will be 3 soon. I live on my own in a private rented house. Im on income support and not getitn any support off my daughters father (making a claim through csa at the moment) Im am really sturggling to keep up with payments, Im in debt with catalog, which has been reffered to a…
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default on credit report - advice needed please!
hi guys, I have got a default on my credit report from 3 mobile. this was from about 2 years ago. i had msised a few payments over the course of the contract but when the 12 months was up i wanted to settle the account and end the contract. i paid up the final installment and was told that the contract was finished. i then…
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Me and my overdraft.
Hi everyone, new here so apologies if I'm in the wrong subforum or have neglected any protocol- if I should post this elsewhere then please let me know. Basically I have a £2500 overdraft with Natwest (Graduate Account), and they're stinging me with ludicrously high interest. Around 29% I think, it's averaging around £40 a…
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Can the bank do this?
Not sure if this is the right thread but sure there will be gurus on here - My brother has a business - he has had an unsecured £50,000 overdraft for maybe 10 years - about a year ago he was told that the overdraft was no longer going to be permitted and he could not issue any cheques against uncleared effects ( if he paid…
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Lloyds have instructed solicitors
Hi, last six or so months finances have been really tight with hubbys business not bringing much in and after paying mortgage and utilities etc have not had much to throw at cc. balance £10,831:23, (credit limit £10,000). Even after trying to ring in the early days saying we having trouble meeting the min payments and…
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i just got £150 back from abbey (meaf)
whoohoo! i was having a clear out the other week and located my old mortgage info from abbey so i thought id take a look at martins meaf article.the article included a number for abbey so i called them and they sent me a form to complete and return which i did and they have sent me a cheque for the difference! whoohooo…
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should i leave my job?
hi all jut need a bit of advice as my heads swimming around! i was made redundant a year ago and am till waiting to get any of the money i am owed ( all a very nasty and complicated senario). i took a job about 10 miles away from where i live to make ends meet but i hate it!! here are the issues: Its very boring and…
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Thursday 15/05/2008. What small dfw things will you do today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Abertay Uni Debt Collection
Hi all, i'm new here and been struggling to get out of debt for a wee while. I'm gettin there but this latest letter has f***ed me right off. Not sure which thread to put it so feel free to tell me to move it. Anyway... I came home yesterday to a letter from a debt collector, Sloane Portland Associates, on behalf of…
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Pap & Moozies What have/will you spend Thursday 15th May??
Good morning all :D Went a bit mad yesterday, ended up buying my daughter some "cheap" sandals & my son some "cheap" trainers, I also bought some wine, which I had 2 glasses of & due to the fact i hardly drink now, I feel dog rough this morning & was very tiddly last night. The small spending erruption, was due to my…
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Daily Chat Thread 15/05/08
Morning all :j :j Only one more day till weekend and the sun is back!!! Dont know why I'm so happy - I'm off to work now. Have a great day and see you all later x x x
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CCA on Car Finance
Hi, just discovered this site and decided enough is enough and i want to sort my debts out. My question is i got finance on a car with Euro Car credit who went bust and the HP was transferred to the Funding corporation and i was wondering if it is worth requesting the CCA from them? do you think that they would have been…
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bombshell!!!!!!
Bombshell 1 yesterday was a bad day. boss walkin round mumbling to himself about cut backs ect.......crisis situation!!!!! guess you know what that means... Panic Stations " right OH we are gonna look at what we've got comin in and goin out and step it up a gear, just in case" Bombshell 2 those credit cards of his. finally…
