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Well its started
Hi everyone A few weeks ago I posted saying that we were struggling badly and you kind people put us in touch with Payplan (via the Citizens Advice) This is the first month that we have had bills that we just cannot pay (we've been robbing Peter to pay Paul for quite a while now) Anyway we have decided to go with Payplan…
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We need a Friday night thread!
I've looked and can't see one ... seems we're missing out this weekend! Anyway, I'm stuck doing extremely boring homework, and could use a friendly face and a virtual drink or two. So come one, come all, avoid the trolls and sit yourselves down. xxx
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Can my creditor insist on coming to house?
Hi, grateful for any advice please. Have a loan with Citifinancial and payments £278 montn. OH sick for last 6 months so our income down to half now. Contacted by phone and letter to ask them if we could pay say £130 per month until things improve. They keep telling me that I either have to go to their office to discuss…
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Debt on credit report? HELP!
Hi everyone, i'm currently disputing a debt, which Godebt bought from Fiat Finance. On my credit report is says the account is "settled". Does this actually mean it's settled (because godebt are currently chasing me for this debt) or is it just settled with Fiat Finance because the debt was bought? Sorry it's a bit…
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Credit card and loan debt from 1997
A friend of mine has been contacted out of the blue today by a Debt Collection firm to say they have discovered £5000 credit card debt plus a loan debt dating from 1997. They have advised my friend that they need this paying urgently. There has been no mention of this debt before, and my friend thought all her debt had…
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Halifax PPI reclaim success?????
Hi All, Hope you can help. I have successfully reclaimed PPI from Halifax for a loan. The reclaim breaks down as follows :- Total amount for credit for insurance loan £321.75 Total amount of credit for insurance loan interest £56.49 Total amount of credit plus loan interest £378.24 Total amount plus 8% statutory interest…
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can you come out of an iva
can you come out of an iva and go into a dmp? and will you get back the money you have paid into it?
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Mackenzie Hall and credit searches
Wow Ive read loads on here about MH, what a bad bunch! My problem is - Until today whern I checked my equifax credit file I had never heard of them (no letters or phone calls), yet i find they are carrying out bi-monthly credit searches on my current address and my former address ( for 2 years!!). I called them up and…
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whats the name of that inpartial debt advice company?
i want to say its cscs but i dont think it is! you know the one martin recoomends you use as they dont try and force you into an iva? thanks
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One payment on my CC to go
and thats me debt free. I racked up about £7.5k on various CC's about 4 years ago. I stopped using the cards switched to 0% and paid regularly every month, switching to about 6 zero interest cards over the piece. I paid the penultimate payment yesterday and now have a £99 balance to be cleared next month. only the mortgage…
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Virgin Media warning
Hi all, A couple of months ago I got a letter from virgin saying that from May my broadband bill was being moved onto my phone bill. So I thought that meant that I wouldn't get the May broadband bill, that it'd be all lumped together in the later phone bill. Wrong! Apparantly it's been put back till June but they didn't…
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My own debt diary.
I thought it would help bring things home to me if I kept my own debt diary and progress since so many of you have inspired me to finally sort things out. Basically, apart from my existing debts / bills I need to scramble together 30k as fast as possible. I posted in the mortgage free section about buying my ex out of our…
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Debt-free in 12 months?
Hi all, I've been lurking and posting a bit for the last few months, but thought I should introduce myself properly. My boyfriend and I have just under £12,000 of debt, not including mortgage or student loans which charge inflation-linked interest. We bought a house last year which needed a lot of work. However, it is our…
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Managing budget
Hi, I was wondering how you all actually manage your budget as I don't seem to do very well at all. I don't mean for bills etc but for food/petrol/everyday spends etc. Do you take all the cash out at the beginning of the month and put into separate jars, or have lots of current accounts, log everything on a spreadsheet, or…
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Are the Banks about to get tough(er) on overdrafts?
As the 'Credit Squeeze' bites even harder, and particularily in line with the High Court ruling on 'Bank Charges', there are many rumours flying around as to how Banks are going to 'crack down' on credit. I have heard, from a usually very reliable source, just how one Bank - Halifax HBOS intends to 'tackle' the problem of…
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Is There A National Debt Week?
Hi, Am new to these boards so making my first post. Really enjoying reading everyone's tips and stories though. Hopefully they'll inspire me to start saving... I had a question and thought this might be the best board to ask it on. Is there such a thing as a Nation Debt Week, in terms of promoting people being responsible…
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Readers digest getting nasty - honest
I almost know the answer to this but have still got to ask. Can readers Digest send me letters threatening to take legal action for a bill of £13 for a magazine subscription?. It's not even as if I have received all the mags yet. I was a member for a year and did enjoy having the books but a combinattion of laziness a…
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Shouldnt banks be competing with each other to get their money back off us?
As i was making my minimum monthly payments to all of my 8 credit cards. Something got me thinking? How did i get into this position, wasnt it the credit card providers that were fighting hand over fist to get me into debt? now that i only have a limited amount to pay back to each , shouldnt they be competing for that…
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Advice on dealing with creditors please
I am currently just over £15000 in debt. Except for a mail order bill which I am struggling to pay. I have been making regular payments to all other creditirs and have never missed any payments. My credit rating is not the best but as I don't want any more debt I am not overly concerned. My husband is giving me £15000 to…
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Wednesday was my BR Day
Hi everyone, Well, Wednesday just gone was "B" Day for me and I can honestly say that I was petrified. However,everybody at the court was really lovely, incuding and especially the judge, he told me that he thought I had enough to contend with without all this hanging over my head and he signed my papers and told me to go…
