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won a free night hotel night
Whoo Hoo, couple of months ago my wife won a voucher through work...one of these deals where you can exchange it for spa days, parachute jumps, hotel stay etc etc etc. Been really lavish and booked tomorrow off work, asked my mum to look after daugher, neighbour to look after dog, wifes mum to look after cats and spending…
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sold debt
help I'm new i was put into default on a credit agreement that i have never had with a company called aktiv kapital, this is showing on all the major credit reference agency info ,they took the alleged debt off first national tricity finance who i did previously have an agreement with and was in dispute over alleged…
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ARC Credit Management/Egg/ Lack of CCC..
HELP PLEASE!! I read these forums a few months ago regarding debt, as I am in lots of it. I was advised to ask for a copy of the CCC from ARC who have taken over my Egg Debt. After weeks of silence, I received a letter today. It says.. "Please find enclosed a copy of your statement of account. Our client is unable to…
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New member in a Catch 22 situation.
I signed up for this forum as i want to know if anyone has had or does have the same problem i do. I have two outstanding debts on a Mint and RBS credit cards (amongst others). A few years ago i defaulted on the Mint card and RBS cancelled both credit agreements and left me with the debts on repayment plans. It turns out…
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Hey!!!
I promised I would pop back on after a couple of lovely DFWs mailed me on facebook .... so here I am!! Missed you guys!!! Things are, well, all over the place, but I am ok. I really need to get back on the DFW wagon though, things are slipping!!! xxxxxxxx
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Quick question....
Hi, Hoping you can help this newbie. I've got debts amounting to around £15,000. My out goings are more than my incomings. I go over my overdraft every month. Stuggling to keep head about water. I've got savings in the tune of £2,000 and that is where my kids child benefit gets paid. Do you think that I should take this…
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Current/basic account help
Hi all, sorry if this is really covered anywhere else, but tried a quick search and nothing specific enough came back. Now that Natwest have closed my step account (with no warning, so financial ombudsman here I come) I want to know which is the best direction to go bank account wise. I have been discharged two years now…
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Alliance and Leicester
I have a £600 overdraft with Alliance and Leicester which I use every month. Firstly does this affect my credit score using this overdraft? Would it improve my credit score if I was to clear the overdraft and then cancel the overdraft and set my account back to not having one? Thanks
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Sinking into financial quicksand !
Dear All, I'm on the board now in a few nooks and crannies - and I really need some advice. I've been off work for approx. 8 weeks 'sick' by GP and haven't really worked much since end of Dec 2007, due to problems at work. Now, I have no money! (as I've been bailing myself out each month with my limited savings). Q: Should…
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Creit Report Please advise !!
i have obtained a copy of my credit report because lately i have been unable to obtain any new credit. i have a littlewoods account and my credit report says the number of status 1-2 is 8, and when i looked in the booklet 8 means the account is in default and the credit agreement has been ended, this is not the case. My…
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Have I done the right thing
I got a letter yesterday from the Halifax to say that on 11th June my arranged overdraft ends. I haven't gone over my overdraft limits since I was in my 2nd year at uni about 8 years ago and they have given me no real warning of this. The letter did say that I could apply for another but they wouldn't give it to me I…
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Another unsatisfied HSBC customer
:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: I did really well this month...instead of £600 pounds into my £500 overdraft I managed to keep it to £450, effectively paying them back £150. That was until they added…
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What would you advise? RE: Littlewoods
Hi there, just wondering if anyone could advise on what i'd be best to do... Ive run up some late fees and admin charges with littlewoods paid £160 in feb only had about £40 left to pay (ive not even bought £160 worth of goods) and stupidly forgot about them and the balance has gone up to £125. Ive sent off a SAR so i can…
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OK, here goes.....long post coming up
My name is Miia and this is the first time I have spoken to anyone about my debts. Here is the background. You can skip this bit but the reason for writing this is to offload and hopefully someone who has the same situation as me and is lurking it will help them too and "come out" on this board and start on the road to…
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CAB meeting tomorrow - please help
hi have got appointment tomorrow which i have to take my total income/outcome sheets with me, to work out an affordable monthly offer to 3 creditors: 1st Credit ( NASTY & PHONING CONSTANTLY !!!! ) - £11,200.08 Link Financial (NICE & ONLY A FEW CALLS) - £3493.07 Lewis Debt Recovery (NICE - PHONED ONCE) - £1,188.28 (ALL OF…
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Incorrect name of debt
I recently recieved a debt recovery letter for £600 for someone whose name is like mine but spelt different by one letter. I'm tempted to just throw it in the bin but I have a dodgy ex who knows enough about me and my family to take things out in my name. I've been chased for bills run up by him for smaller amounts in the…
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Have Barclays shot themselves in the foot
They have, are have said, they will reduce their fees to £8 from the current £30 or £35 charge. They have stated they planned to this for a while - so why waste money on the court case?? Doesnt this give the OFT the ammunition to say if barclays can do it, so can others?? Sorry if this is elsewhere, but havnt seen it.
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Confused Semi-Newbie
Hi Guys Had a couple of posts on here in April but due to changing jobs and not having internet at home (home to be on by next week) I havent had time to post. Just a little confused as when I post on a thread I loose it.:( It then takes me ages to find it doing a search on my name. Not really been on a forum before so I…
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Credit rating still good - Going DMP?
Hi all, I've been having trouble keeping up repayments for about 3 months now with one of my credit cards. I owe total £40,000 in loans and cc's Here is a small breakdown Credit cards (TSB £4,000, CP-ONE £2,000 MBNA £10,000, HSBC £10,000) Loan HSBC £14,000. I defaulted on just one credit card twice(MBNA). MBNA said that if…
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Advice anyone please...(MH)
I originally posted this in an old MH thread but having received no replies I have posted it on its own! I hope this is the correct place to post this as this relates to MH and friends, and I would appreciate some advice please. Recieved a letter from MH the first week in January this year (2008), although the date on…
