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DMP advice - Claim back charges too!
So I've just posted out all my letters advising I'm having trouble and I've asked for my accounts to be held for 28 days while I get advice etc. I've also asked for them all to send me up to date balances. Some of my credit cards have had charges incurred on them especially when I got into a big argument with HSBC and they…
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Old debt
I've recently moved in with my partner who has old debts from approximately 3 years ago. He says that there's a certain amount of time we have to wait and they can't make him pay them. He used to get a couple of letters a week about them at his old address and we thought if we moved they wouldn't be able to get hold of our…
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Large debts, getting larger :( help needed
Ok, as you can see from my sig my debts are mounting. By no means the biggest debts on here but enough to cause me daily stress. Luckily I work for myself and can influence to a certain extent my earnings - i.e. the longer hours I work, the more I earn. For that I am grateful and I know i'm a lot more fortunate than some…
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Help! DMP or IVA?????
Can someone please offer me some advice? OH and me were all set to go for a DMP with Payplan - assessment was all done and I was just waiting for the authority letter to come out for signing. However, this morning they've rung and have reassessed our situation and are recommending an IVA. I'm so confused!!!:eek: With the…
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Experian/Credit Expert Query
Blimey, i seem to be posting on here an awful lot at the mo - must be cos it's such a fab place for advice and help!! I've got a DMP with Payplan, which is ticking along quite nicely. 2 of my creditors (Smelly Egg and Barclaycard) have registered Defaults against me, as a result of that, but I kind of expected that anyway.…
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Bailiff Costs?
Hey all, Well, rossendales have finally got back to me - they claim as they're dealing on behalf of the council in getting council tax back (and have not taken ownership of the debt), I have to go direct to the council for the proof of the debt. Last time I did this, they refused to deal with me, and told me Rossendales…
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Mobile Phone - What Would You Do?
I am ready to upgrade my mobile contract. I get on well with the contract, and my current mobile is great. It may need a new battery soon but thats only a £4 odd on ebay. Its been chewed by one of my cats but it still works, and the screen is good. Anyway, my point is i can get an upgrade phone that I could potentially…
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Lovells Solicitors / Phantom Barclaycard
Hi My OH is being chased by Lovells Solicitors regarding an outstanding debt with Barclaycard for £500. He's adamant he's never had a Barclaycard - or any credit card for that matter but this has been going on for over a year. About 6 months ago they asked him to send in proof of his signature (photocopy of driving…
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I take that as a no then!
I sent a Full and Final Settlement offer letter to a DCA last week. I got a letter back in the post saying: Thank you for your letter, please find enclosed payment slips for you to make payment to us. And the amount on the letter was still the originial debt amount. :confused: Should i resend the F&F letter? x
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Advice requested - Credit Card Insurance
Hello, Nice to meet you, I'm very new and keen to get my finances sorted! I'm hoping that someone can help me, I'm looking for advice. I've had a bad deal with a credit card, I've now finally been able to shift some of it to a life of balance account. However, I don't know what to do about the insurance. Is Credit Card…
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So Sad
Morning. Feeling carp today. Really worried my depression has come back. I've had an arguement with a nosy receptionist, it's no buisness of her's why I want to see my Dr!!!! I've cried at a work colleague and I'm fighting back the tears now. It's all become to much for me.
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Daily Chat Friday 20/06/08
Couldn't find one so I've started it today. Hope you don't mind. It's my birthday:j I'm determined to have a good day even though I'm in school all day. Will deal with OH tonight. Hope you all have a great day, hugs to anyone who needs them. Got to go now have fun. Dawn xx
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Friday 20/06/08 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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Credit report and bad debt
Hi all, Yesterday i received a letter from Thames Credit informing me that i have an outstanding debt of over 10k and that they wish to talk with me about setting up a payment plan. The annoying thing is is that this debt was meant to have been paid by my ex wife, it was a personal arangement we made when we seperated…
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Fee paying survey site
Can I get a little advice here my cousin took my advice when i told her to sign up with some survey sites to earn a bit of extra cash or vouchers and I told her to check out htis site and ilovefreebies which she did. She then told me she had signed up for a survey site that was paying her £5 per survey and that it was…
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Recorded Calls to Debit Collection Agencys
Hi everyone Im in despute with Virgin and the debit has been passed to Garlands Debit Recovery. Whilst not acknowledging the debit, I have spoken to them twice, on both occasions they wouldnt listen, and talked me down. ..:mad: So today, when they left a hostile message on my answerphone I called them ,and said the…
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Life After Protected Trust Deed (Scottish IVA)
Hi folks I wonder if anyone can help me. A few years ago I split with my partner who was a bit unscrupulous with money. She had got herself into debt and I took out loans in my name to help her pay it (Stupid Git I hear you say). Long story short when we split she left me with all the debt and I just couldn't pay. I ended…
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Capital One for Bank Statements etc...
I've contacted all my creditors, sending them I & E forms and offering pro rata payments. So far, most have been okay, but got a letter from Capital One acknowledging my offer but saying that before they agree they want to see proof of my income, such as wage slips, proof of any benefits received, plus at least 3 months of…
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Decision time
Hello all First let me explain my predicament. I managed to get myself into some £15,000 worth of debt and began missing payments when I went on maternity leave back in November 2006. I have managed to cut this debt by £6,000 over the past year and am continuing to reduce. I set up several arrangements with Lloyds TSB to…
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SHOULD I DO AN IVA? - (Scotland)
Hi, Im new to this. I have credit card debit totalling £16200 over 5 cards, and a £1000 over draft which Im never out off. 1 card has £660, another has £9150, another on interest free at the mo has £1100, another has £2900 and the last 1 has around £2550 on it. The biggest amount has not long been opened. What I was…
