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YouGov surveys
As I am a very poor student I have been doing online surveys to get extra cash or shopping vouchers... One survey site that is really good is the YouGov one... As you done get spam from filling them in plus they are fairly short... You get £1 for just joining then 50p to £1 for every completed one thereafter... Once you…
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Default Notices
Are companies you owe money to supposed to warn you before they issue a default notice and give you time to pay? I was paying for a sofa (3 years interest free credit) and the finance company cancelled the Direct Debit 2 months before it was due to end and then sent me a bill for the final payment of £75.12 on 16 August.…
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Would U Give £15k To Payplan?
After coming into some money I decided to tell Payplan the company I have a DMP with, I said I was writing to my creditors looking settlement figures etc, the advisor said "Oh no, do not do that, we have a team who deals in this and they will get you a good price, pay us the money and we will distribute" Now I know they…
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In debt, advice appreciated
I've recently got into quite a lot of debt with credit cards/loans and am unsure how to get out of it. I have an excellent credit rating due to always paying on time but my debt is getting so large now I'm afraid of losing that. Has any one any advice on what I should do? I also have three mortgages but can't take any…
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Marlin/CCJ help
Hello all :) I'm new here, but would really appreciate some advice on my situation with Marlin. They bought a debt last October which I had been previously repaying on a payment plan. Since then it has escalated to the current point where I now have court claim forms sitting in front of me. I was unaware places like this…
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Help needed..
Hi all, I apologize if this has been covered, but ... I got a comp. sip this morning asking me to contact "Thames Credit" in Bromley. Phoned, spoke to a member of staff who advised me they where chasing a debt from March 2003. I am aware of the debt they are talking about, but had long assumed it had been consigned to…
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Question regarding Balance Transfers
Hi,probably the wrong board to post on but hopefully someone can help me. OH applied for a Barclaycard & was accepted,as I have been turned down from the last 2 CC's that I have applied for. The APR is 6.5% for LOB. We have an overdraft of 13.35% & I have a Mint card at 12.9% which I owe nothing on. I can pay off the…
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Having a woohoo moment!!!
Sorry all just wanted to give me and OH a pat on the back, we've shaved 1k off our debts! woohoo!!! Hope everyone is having a good saturday! xxx
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Just had ccj form back objecting rate of payment, now what??
Hi all, just a brief outlay of whats been going on to make things clearer! have a debt with egg for £12,997.90 that was immediatly passed to their solicitors a soon as we started making token payment 2 months ago ( as you can see by my sig we do have other debts wit egg but they havn't done a thing with these?:confused: )…
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Pap/Moozie's what have/will you spend today Saturday 3rd May?
morning all:hello: should be a nsd here:rolleyes: but i will have to pop out for the weekend papers later on:rolleyes: hope you all have a sunny weekend, and take care of yourselves - and each other :)
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WEEKENDER *May Bank Holiday Chat Thread*
Its May Bank Holiday weekend in England:j According to a recent survey it is also known as May Bonkholiday as apparantly it's the time of year when couples are at their *FRISKIEST* (as discussed yesterday, they dont have this holiday in Scotland):rolleyes: Hope everyone has a good Bank/bonk holiday weekend:j I am at my…
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Credit card help for my dad.
Hi everyone My dad has got a few debts as detailed in a previous post but I think he is finally ready to accept help. I can't put a SOA on here because he is only visiting on holiday and all his documentation is at home, he is computer illiterate so he can't do it for himself. Can anyone advise me what is the best way to…
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Saturday 3/5/08 What small dfw things have you done 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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Court of protection and DMP?
Help! Not been around for while ~ here's why. dad in law recently diagnosed with rare form of dementia ~ needs to go in to care etc. Part of the condition is he doesn't undertstand this and therefore won't agree to granting OH power of attorney so he has been advised to apply for Court of Protection which will give him…
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CCCS - adding new debts
I wonder if anybody has experience with adding newly made debts to existing ones with the CCCS. I have been paying various debts with them since 2000 and due to a compulsive spending habit, have somehow managed to obtain another four credit cards. Finding it difficult now to keep up with the repayments and want to add them…
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reclaiming bank charges
well i've just totalled up my bank charges over the last 6 years and lo and behold ...there's only 6 of them!! oh well...£199 is better off in my pocket than their's. and on the plus side...i've been better behaved than i thought i was! :T
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Reply to CCA letter : Help
Hi, I sent the first CCA letter to Thames Credit LTD asking for my original CCA, I have received a response stating: "In order to assist us in investigating and resolving the issues you have raised we would ask that you contact our customer relations team on the above freephone number. The purpose of the conversation would…
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ccj interest
If you are unlucky enough to have a ccj and you pay at least the minimum amount the court has ordered you to, can the debt company still charge interest on what you still owe? I phoned up the company and they said its because I still owe over £5000.00
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Credit Report - Is this right?
Hi there I have just looked at my credit report and wondered if someone could give me some advice. I defaulted on a Citifinancial loan a while ago and it was passed over to Direct Legal Collections/Hillesden. I have been paying regular payments of £112 a month for well over a year now and not missed one payment. However,…
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Please
Hi i've been lurking for a few days and i need help. I have a partner and a one year old daughter and have just gone back to work full time as we were struggling. Please can i have some advice as i've just done a SOA and it looks even worse than i thought. We own our own home and haven't been late on payments but we are…
